A five-minute checklist before you send money home

• Recipient name exactly as it appears on their bank account or ID — no nicknames or initials.
• Account number, IBAN or wallet number checked digit by digit against a message from the recipient, not from memory.
• The purpose of the payment, in case we or a partner institution needs to ask.
• The quote reviewed as a recipient amount, so you know what will arrive.
• The recipient told to expect the payment, and how they will be asked to collect it.

Never send money to someone you have only met online, and never act on payment details that arrive by unexpected email, call or message — confirm them with the recipient on a channel you already trust. No FTFT Pay employee will ever ask you for your password or a one-time code. Our Fraud Awareness policy has more detail.