Send money to 130+ countries
Fast, transparent transfers to family, friends and yourself — with live rates and clear fees.
Set up a transfer in a few minutes
Everything happens online. You see the rate, the fee and the arrival amount before you commit a single pound.
01Add your recipient
Open your FTFT Pay account, verify your identity once, then save the person or business you want to pay. Their details are stored securely for next time.
- One-time ID verification
- Save unlimited recipients
- Send to a bank, wallet or cash agent
02See the rate and confirm
Enter your amount and we show the live mid-market-based rate, our fee and the exact figure your recipient receives before you pay anything.
- Live rate on every quote
- One clear, upfront fee
- No deductions on arrival
03We pay them out
Fund the transfer by bank transfer or card and we route it through our global payout network, keeping you updated at every stage until it lands.
- Track status end to end
- Email confirmations
- Support if anything stalls
Most transfers arrive the same day
Timings depend on the destination currency, the payout method and local banking hours. We show an estimated arrival time on every quote before you confirm.
Within minutes
Mobile wallet and instant-scheme payouts across major corridors, once your payment and compliance checks clear.
Nigeria, Kenya, Ghana, Philippines, India
Same or next business day
Local bank payouts in most markets. Transfers set up before local cut-off usually settle the same working day.
UK, EEA, USA, Canada, UAE
1–3 business days
Some currencies route through correspondent banks or have limited settlement windows, which adds a little time.
Selected Asian, Latin American and African markets
Estimated delivery times assume your payment has cleared and that compliance checks are complete. Transfers may take longer where additional verification is required, or during weekends, local holidays and bank cut-off periods.
Choose how your money lands
Our global network of banking and payout partners means your recipient can be paid the way that suits them. Available methods vary by country and currency.
Bank account payout
Direct credit to a local bank account in the recipient's own currency, using local clearing wherever it is available.
Mobile wallet
Payouts to popular mobile money wallets, ideal where recipients do not hold a traditional bank account.
Cash pickup
Collection at partner agent locations with a reference number and valid photo ID in supported countries.
Ways to pay us
Fund your transfer by bank transfer, Faster Payments or SEPA, or pay by debit or credit card where supported.
Your money moves
with the FTFT Pay app.
Send money to anyone, from anywhere, with the FTFT Pay mobile app. Coming soon to iOS and Android.
Both apps are in final testing — the badges go live the moment they're published.
- Real-time notifications
- Biometric login
- Track every transfer
FTFT Pay
You send
£100.00
Recipient gets
37,131 PKR
Illustrative rate — live rates shown in the app.