The offers we make to our customers are available only to online transactions on our website. Prices and fees charged may be different at agent locations. In order to start enjoying these great offers, please follow the steps described below:

Step 1: Register

To use our online service, register by creating a user name and password for yourself. Please fill in all the required fields shown on the initial registration page.

Step 2: Complete Registration

As part of step 1 above, you will need to provide your personal details comprising your full name, date of birth and address. These details must match with details on your official documents such as passport or driving license. Your name must also match with the account name at your bank. We cannot accept payment from an account not in your name, except with prior arrangement with us.

If you have a business, and you will also be paying for foreign goods and services, please answer yes to the question posed to business customers and fill in all the required details. Your business bank account name and details must match with the details provided to us. We cannot accept payments from bank accounts not in your business name, except with prior arrangement with us.

Help notes on filling Date of Birth fields: When filling date of birth fields on our system, please first choose the month of birth, and then the year of birth. The system will display only 10 years at a time. Choose the oldest year displayed, and repeat this process until you reach your year of birth. Then choose the date of the month you were born.

For example, if your date of birth is 10/04/1952, and you are registering as a customer in 2010,  then first choose the month April, then choose the oldest year displayed, which is year 2000. Click the drop down arrow again, and choose year 1990. Repeat the process until you reach the year 1952.

Once you have completed all the required fields and clicked "Register", our system will allocate a customer account number to you at this point. Please take note of this for reference purpose.

Step 3: Send Money

Initiate a money transfer by clicking the "Send Money" button. Please follow the instructions required for your desired destination. Upon completion, our system generates a money transfer transaction number on the screen with details of the total amount payable to us. Please take note of this number and our bank account details displayed. If your beneficiary would be collecting cash and you have supplied a test question and test answer, please take note of this.

Initiate a Bill payment from your online banking facility or use a telephone banking facility with your bank to make payment to our bank account. Alternatively, you could walk up to a branch and make cash payment into our account. However, as part of our anti-money laundering measures, we do not accept large cash transactions into our account. Paying cash also defeats the convenience we are trying to offer you, as you would need to physically walk up to a branch. If you do not have internet or telephone banking, contact your bank today, and they can set that up quite easily for you.

Please include the money transfer transaction number provided earlier in the payment reference field. Our bank account accepts faster payments, which means any payment initiated by you from any bank in the UK to our account can be received within 2 hours. Upon receiving payment for your transfer, our system will automatically notify you to acknowledge this through the email you provided during registration. This is an acknowledgment of payment for your information only. You could notify your beneficiary immediately you have transferred money into our account.

Only transactions for which cleared funds are received into our account by 12.00 p.m. on a business day could be processed the same day.

Step 5: Finish

That's it. It's done.

For your next transaction, you can send money in two clicks using our send again feature to the same beneficiary.

For first time transactions, part of the process above includes our system validating the information you provided to us about your self during registration. This is an automated process, and you don't have to do anything. If we are unable to do this, we may request you to forward us with a copy of your ID and proof of address before we process your transaction.