Frequently asked questions

Money in Minutes is a remittance service built to solve a simple problem: getting money to the people you care about, quickly, no matter where you both are.

It was started by an international student who needed a faster way to support family back home while studying abroad. Since 2024, it has grown to help thousands of people — from expats working overseas to students in their first year abroad — send money home reliably.

The focus has stayed the same since day one: speed, safety, and treating every transfer as a specific person's situation, not a ticket number. Agents are available Monday–Saturday, 8AM–6PM (UTC+2) for standard transfers, and every day, 8AM–9PM (UTC+2), for Business & Emergency transfers.

The process depends on where you're sending from and where you're sending to, since different countries use different payment methods — you can see what's available for each on our countries page.

The core flow is the same everywhere: choose your sending country and method, your recipient's country and method, and then confirm whether it's a Normal transfer or an Emergency transfer.

The exchange rate applied is the market rate for that currency pair on the day — we don't add a markup or take a cut from the rate itself.

The fee is separate and simple: $6 flat for any transfer under $100, and 6% for any transfer of $100 or more (see the fees page for worked examples).

For example: sending $2,000 to Tanzania at a rate of 2,640 TZS per dollar — the fee (6% of $2,000) is $120, added on top of what you send. You'd pay $2,120 in total, and your recipient receives the full $2,000 converted: 2,000 × 2,640 = 5,280,000 TZS.

It depends which setting you choose:

• Emergency transfer — for any transfer under $10,000, this is done in under 15 minutes, regardless of the corridor (France to Burundi, USA to Kenya, Australia to Uganda — the timing is the same).
• Normal transfer — timing depends on how many transfers are ahead of yours in the queue. Your agent will tell you where you stand, but it's always completed within the hour.

Normal transfers (6% fee): Monday to Saturday, 8AM–6PM (UTC+2).

Business & Emergency transfers (10% fee): every day, 8AM–9PM (UTC+2).

An Emergency transfer is for when you need money sent in the next 15 minutes — for situations where speed isn't just convenient, it's necessary.

Your case is moved ahead of transfers already in the queue, and a designated agent stays with you on the line until it's done — including outside normal hours or on a day off.

The process is the same as any transfer; the difference is the fee, which is 10% instead of 6% for Emergency transfers.

The same as any Emergency transfer, regardless of corridor — Canada to Congo, France to Rwanda, Turkey to South Africa — it's completed within 15 minutes, as long as it's received during Emergency hours: 8AM–9PM (UTC+2), every day.

Your money is safe. Keep proof of the transaction, and provide it to your agent the next working day — your transfer will be verified like any other and processed without further delay.

If you need to cancel — for example, your supplier changes the terms of an agreement — and Money in Minutes hasn't paid your amount out yet, you'll be fully refunded the amount sent to our accounts.

Use the free currency calculator on our fees page or the one embedded on the homepage — it works for any currency pair, no email or phone number required.

Yes — through the Money in Minutes Mafia (MIMM), our referral program. You earn a free transaction when:

• You refer a new client to Money in Minutes
• You complete 10 transactions in a month
• A client you referred refers another client
• Your transactions total $5,000 or more within 3 months

Use the WhatsApp button below — it connects you to one of our agents, who can answer any remaining questions or start your transfer directly. You can also start a transfer online first if you already know your details.