Use this guide to check the destination, recipient, costs and expected timing of a personal transfer.
Updated: 11 October 2026 · Customer guidance v1.0Confirm the receiving country, currency and available payment method with our team or customer platform. Availability depends on eligibility, required checks and partner coverage.
A country mentioned on this website is not a guarantee that every transfer to that destination is available.
Check the recipient’s legal name, receiving details and the information required for the destination. Verify bank-detail changes using an independent, trusted contact method.
Provide the amount and genuine payment purpose. Tell us if you are acting for someone else.
Before authorising, check the total you pay, amount converted, customer exchange rate, any exchange-rate margin, other charges and amount expected by the recipient.
Ask whether intermediary or recipient-bank charges can reduce the amount received. A customer exchange rate can differ from a market reference rate. The information website does not provide live rates or a binding quote.
Check the expected execution time, applicable cut-off times and any conditions affecting processing. Do not rely on a universal instant-payment promise.
Review the payment-service terms and ask for a copy you can keep. Ask about cancellation, refunds and unauthorised or incorrectly executed payments before committing if anything is unclear.
Keep the payment reference and confirmation. Contact our team promptly if details are wrong, the recipient has not received the money or you suspect fraud.
Use the payment-support page for next steps and the complaints procedure if you are dissatisfied.