How your money is protected when you send it with Express Remit

When you send money home, you are trusting a company with it for the time it takes to arrive. You are entitled to know what that company does to deserve the trust. This is what we do, and where your own care still matters most.

We are authorised and you can check it

Express Remit Ltd is an Authorised Payment Institution, regulated by the Financial Conduct Authority. Our firm reference number is 781786 and we have been authorised since March 2018. Do not take our word for it: search for that number on the FCA Register. Checking the Register is the single most useful habit before using any money transfer service, ours included.

We check who is sending

Before your first transfer we verify your identity, and sometimes we ask where the money has come from. It can feel like a nuisance. It is also what stops someone else opening an account in your name, and what keeps criminals from using a service like ours to move stolen money.

We look after your information

We are registered with the Information Commissioner's Office, number ZA462150. We collect what we need to carry out your transfer and meet our legal duties. Our privacy policy sets out what that is and how long we keep it.

The part only you can do

None of this can protect you from a transfer you were tricked into making. If you send money to a criminal, it was still you who sent it, and once it has been paid out it usually cannot be brought back. The UK rules that refund victims of bank-transfer scams apply to payments between UK accounts. They do not cover money sent abroad.

So three things are worth more than any system we run:

• Send only to people you know and trust.
• Never share your password or a one-time code. We will not ask for them.
• Stop when you are being rushed. A real request can wait while you check it.

And never send a transfer on someone else's behalf, or let anyone use your account. That is how honest people end up moving money for criminals without meaning to.

If something feels wrong

Call us on +44 20 8552 5105 straight away. If the money has not yet been paid out, we will try to stop it. Our fraud awareness page lists the scams we see most and exactly who to report them to.