is always special!
on your first XOPOTO transfer
of £100 or more.
When you send money through XOPOTO, your loved ones can receive the money instantly at a cash pickup point
With trusted banking and agent partners in over 160 countries, you can send money to your loved ones in any part of the world
With the best exchange rates and low transfer fees, you pay less and your loved ones receive more with every transfer
Once you send money through XOPOTO, you can sit back and relax. Your transaction will be safe at every stage. XOPOTO is an authorized product regulated in the UK by the Financial Conduct Authority
Incase you decide to cancel the transaction, the entire amount will be refunded
XOPOTO is the only money transfer app that offers so many convenient ways to receive money
Your loved ones can receive cash at over 180,000 locations around the world
You can transfer money to a bank account in over 160 countries
Send money instantly to a mobile wallet in Kenya, Ghana, Pakistan or Philippines
In certain countries, money can be delivered home
XOPOTO is the simplest way to send money.
STEP 1 - Once you've downloaded XOPOTO, complete a one-time registration by filling in your personal details. Once registered, you can log into XOPOTO using your 4-digit secure PIN
STEP 2 - Provide transaction details such as amount, payout mode (Cash, Account Credit, etc.) and beneficiary information.
STEP 3 - If you're sending money, just pay online using any debit card. If you're requesting for money, inform your sender/payer through your selected social channel.
XOPOTO gives you the power to send and receive money on your terms.
With XOPOTO, you can
Skip beneficiary - You can choose to skip filling in your beneficiary details and have them do it for you.
Quick send – When you send or request money, XOPOTO automatically creates a card for each beneficiary/payer with all of their details. The next time you use XOPOTO, just select the card and enter the amount you wish to send or request.
Request for money – Great for emergencies and reminders! You can request for money from anyone residing in countries where XOPOTO is available.
Share moments – Send more than just money. XOPOTO enables you to share moments or emotions with the unique personalization feature, which allows pictures, videos, audio files or text to be added to the transaction.
Please note that the sender has 24 hours to complete the payment before the request expires. The request status will be updated to 'Transaction Expired' and you will need to create a new request.
No. Your transaction details are private and secure.
SEND: Sending money through XOPOTO is currently limited to UK-based residents, but will be available in more countries soon.
REQUEST: You can request money from over 160 countries.
This payout mode enables recipients to collect their cash instantly at over 180,000 Xpress Money cash pickup points. To collect the cash, please provide a valid ID and the 16-digit XPIN.
Yes, you can choose the 'skip' option on the beneficiary account details screen and send a message to your beneficiary to fill in those details through XOPOTO. You will be notified once your beneficiary fills in his/ her account details to complete the transaction. You can then proceed to make the online payment to complete the transaction.
This is another pay out mode where the money is delivered in cash at the beneficiary's address. The beneficiary will need to provide an ID proof along with the XPIN to the person who comes to deliver the cash. This service currently available in Egypt, Palestine & Vietnam is ideal for people residing far away from an agent location and are not able to physically visit one.
Cash pick-ups are available within minutes at our cash payout points. For Account Credits, Mobile Wallets or Door Deliveries, it will take up to 48 hours. During bank and public holidays, it may take longer than 48 hours.
Your money is safe with us. The makers of XOPOTO – Xpress Money, have been a reliable name in the money transfer service since 1999. XOPOTO uses the same system and network infrastructure used for processing millions of remittance transactions every year. It relies on banks and agent partners who are licensed and authorized by the respective country regulators to ensure that the money reaches the beneficiary safely.
We are bound by privacy laws to ensure that the information provided by you is only used for the purpose of executing the transaction. All transactional data is used and maintained in accordance with the guidelines provided by the respective Central Banks of the countries.
Rest assured that XOPOTO does not share any personal or transactional data on social media networks. All personal and transactional data reside within Xpress Money's secure transactional system.
You can either write to firstname.lastname@example.org or call us on any of the contact numbers provided along with the 16-digit XPIN and transaction details. We will process a refund back to the card that was used for making the payment within 3 to 5 business days, provided the money has not been credited or paid out when the refund request is made.
Automatic refund Xpress Money reserves the right to automatically cancel and refund the money back to the card used for making the payment, if necessary KYC and due diligence information provided is not sufficient to process the transaction.
This agreement (terms and conditions) is entered between the Customer (hereinafter referred either as "you', "your" or "User") and Xpress Money Services Ltd. (hereinafter referred either as "we", "us", "our", or "XM" as the case may be) to provide you with XM's services available through the Mobile Application ("xopoto"). By registering with xopoto, you are deemed to have read, agreed and accepted the terms and conditions herein, as amended from time to time without prior notice.
"You", "Your", "User" refers to you, the person using the Facility. All terms refer to the offer, acceptance and consideration of payment necessary to facilitate the Transaction in the most appropriate manner. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same. By becoming a registered user of xopoto, you agree to be contacted by Xpress Money or its affiliates via communication modes including but not limited to email, SMS, and telephonic calls. The User understands that this Facility may be offered by Xpress Money though its associates/ partners.
At our site, we collect both personal information and aggregate information that the user voluntarily provides either while on the site or in response to emails in relation to features provided on the site. Personal information relates to an individual consumer - e.g., name, address, telephone number, e-mail address, demographic information etc. We don't require you to register or provide this information to us in order to view our site or have access to its content.
Aggregate information relates to such things as how many consumers visit the site, which pages they access, what information they download, the type of web browser and operating system you use, the name of your Internet Service Provider and so on. When you visit our site, we automatically collect this information, and combine it with similar information collected about all other visitors. By collecting this information, we learn how to best tailor our website to our visitors.
The user can visit our website without revealing the user's identity or any personal information. We track the internet address of the domains from which people visit us and analyze this data for trends and statistics, but the individual user remains anonymous.
For better management of the site, we may (i) log the user's browsing history; (ii) log non-personally-identifiable information, including IP address, profile information, aggregate user data, and browser type; and (iii) record User IP addresses for security and monitoring purposes.
We employ a strict policy against sending unsolicited email. Please note that opting not to receive email does not exempt the user from receiving administrative emails.
Our Customer Care department may contact the customer in response to the customer's inquiries, to provide services at the customer's request and to manage the customer requirement.
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect the user's personal information, we cannot guarantee its absolute security.
We reserve the right to disclose the user's personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our site.
Rates shown are for indicative purposes only. The conversion rate and charges shown is for information purpose only, and is subject to change.