FAQ

Common Questions you might Ask

To send money, Go to Send money and provide the required information

Yes. To send your money, we need to have your basic information. Also having an account allows you have added flexibility like sending money to someone from your address book and adding someone to your address book for future transactions

You can check your transfer status online. All you need is the sender's name and the transaction number printed on the sender's receipt.

You can pick up your money at any agent location. You'll need to complete a "To Receive Money" form and include the following information:

  • - Transaction Number
  • - Origin country
  • - Sender's name
  • - Amount
  • - Valid identification

Some restrictions may apply.

Identification requirements are determined by your residency status and the amount of the money transfer

For UK residents, a passport or driving license with photo is valid. EU residents can present a passport or European ID card. Other non EU residents must present a passport.

For amounts from 600 GBP to 1999.99 GBP (send transactions): one form of primary photo identification verifying the full name.

For amounts from 0 GBP to 1999.99 GBP (receive transactions): one form of primary photo identification verifying the full name.

Where no primary ID is presented: two forms of non-primary identification verifying the current/permanent address (utility bill or statement issued by a regulated company, confirmation letter from a hotel.)

For amounts from 2,000 GBP to 5,000 GBP (send and receive transactions): one form of photo identification verifying the full name and one form of identification verifying the current/permanent address. The same document must not be used to verify both name and address.

When you send money internationally, your receiver will generally be paid in local currency. The exact amount will be calculated based on the exchange rate applicable at the time of shipment. However, for transfers to certain countries, the exact amount will be calculated based on the exchange rate applicable at the time of receipt.

You can send from 1 GBP to 599 GBP without any identification but you require one photo ID to send from 600 GBP to 1,999 GBP and one photo ID as well as one utility bill to send 2,000 GBP and above. If you are going to send above 800 GBP within one year, then Toprate would have to confirm your both IDs to approve a higher sending limit for you.

If your receiver lives in a country where we offer this service, you can send money to their mobile phone. Make sure your receiver has activated a mobile wallet with one of our partner mobile phone operators in their country.

This service is available for certain countries. Usually, money is deposited into the receiver's bank account within 1 or 2 working days. Money may be deposited on the same day or in up to 3 working days, depending on when and where it's sent..

Go to Send Money by Phone to see details

For security reasons, many locations will not pay out a transfer if the name on the receiver’s identification does not match exactly. Please confirm your receiver's name as it appears on their ID. If your receiver is still having this problems receiving, please contact us

Can't find what you're looking for? Contact our Help Team.