You can send money internationally and locally directly from the TransferGo in just a few steps. Here is how the process works.
Step 1. Set the amount and currency
On the “Home” screen you will see the transfer calculator.
- Choose the currency you are sending from and the currency your recipient will receive.
- Enter the amount — you can type in either the sending or the receiving field and the app will calculate the other automatically using the live exchange rate.
The home screen also shows you the estimated arrival time, alive exchange rate and whether any fees apply before you proceed.
When you are happy to proceed, tap “Start a transfer”.
Step 2. Select the transfer type
The app shows you a recommended transfer type under.
To change it, tap “Change” button — this opens the “Transfer type” view where you can customize both parts of the transfer:
How you're paying — select your payment method available for the chosen sending country, for example:
- Card
- Instant bank transfer
- Bank transfer
- Blik
- Google Pay/Apple Pay
- Multi-currency account balance
How receiver gets the money — select the pay-out method available available for the chosen receiving country, for example:
- Card
- Bank account (IBAN)
- Bank account (Local bank account)
- Mobile Wallet
- SWIFT account number
The app marks the best option as “Recommended” based on the receiving amount, fees, and estimated delivery time.
Step 3. Add new receiver
Select account type (Personal or Business) and prove the following details:
- First name
- Last name
- Pay-out details (Card number, bank account number, mobile wallet etc.)
Depending on the destination country, the recipient’s address may be required.
Step 4. Choose how to pay
Click on “Continue” or “Change” if you would like to select another payment method.
Step 5. Review and pay
The Review screen shows a full summary before any money moves:
- Amount you will pay and the payment method
- Amount the receiver will get and their account details
- Estimated arrival time
- Exchange rate and transfer fee breakdown
As well, you can add reference message and select purpose of transfer.
Check all the details carefully. When everything looks correct, tap “Pay [amount]” to proceed.
Step 6. Authorize the payment
- If you are paying by Card, your bank may ask you to verify the payment. This is a standard security check. Depending on your bank, you will be asked to approve a push notification in your bank's app, or enter a one-time code sent by your bank
- If you are paying by Instant bank transfer, choose your bank from the list. A confirmation screen will appear — tap Continue to agree to the Open Banking Service terms. You will then be redirected to your bank's app to approve the payment. Once approved, you are returned to TransferGo and the transfer is submitted.
- If you are paying by Bank transfer, the app will display TransferGo’s bank details. Log in to your online banking and send the exact amount from a bank account in your name to the TransferGo account shown. Be sure to include the unique Reference number (your account’s TG number) when making the payment. This allows TransferGo to identify your payment and match it to your transfer.
After you send
You can track your transfer’s progress in real time from the Home screen under Transactions.
You’ll also receive an email notification once the money has been delivered.
To be informed even faster, enable push notifications and receive instant updates about your transfer status.
Google Pay / Apple Pay
- Apple Pay and Google Pay are available for transfers that meet the criteria. Whether you can use them depends on where your TransferGo account is registered and where you're sending the money.
- Apple Pay and Google Pay are not supported when sending from a Ukrainian card or when the transfer is to Ukraine.