Both sides of a transfer, start to finish, and exactly why the first $500 moves in minutes while the rest takes up to three days.
Enter the amount and destination. The exchange rate and our fee are shown before anything moves, and the quote shows how much is available instantly.
First transfer only: confirm your identity with photo ID. We are required to verify every customer as a money services business under PCMLTFA, and it protects you as much as us.
Card works at any hour, including nights, weekends and public holidays. Bank transfer suits larger, planned amounts during banking hours.
You see the transfer status live: payment received, instant portion released, remainder settling, complete.
The moment your payment clears to us, your recipient is notified that money is waiting, with up to $500 already available.
The first $500 is there this minute; the rest arrives within 3 business days. Gift cards worth extra, a prepaid Visa and weekly rewards all run from the wallet.
Gift cards and wallet credit are usable straight away. Bank deposits land in their local currency. Whatever stays in the wallet earns cashback rewards each week.
The remainder is released to the wallet automatically once sending-side clearing completes, within 3 business days. Anyone preferring a straight bank deposit can choose that instead: 7 to 10 days to major banks, 10 to 15 days to others, full amount.
No mystery. International payments settle through central bank clearing on the sending side, which takes time. We make up to $500 of your transfer available straight away and the balance reaches the wallet once clearing completes, within 3 business days.
Transfers of $500 or under are available in full, in minutes. The $500 cap applies per transfer. Wallet settlement is typically within 3 business days; a direct-to-bank deposit takes the full amount in 7 to 10 days to major banks, 10 to 15 days to others.
Every customer is verified before their first transfer, in line with our obligations as a money services business under PCMLTFA.
Card details and personal data are encrypted in transit and at rest. We never store full card numbers on our own systems.
Transfers are screened for fraud and scams before release. If something looks wrong we pause it and contact you before any money moves on.