Quick guides for UK digital marketing

Most app-based transfers are not a single payment. Your provider collects your money, converts it at their exchange rate, and pays out through a partner bank or cash network in the destination country. Each step can add time.

Delivery estimates assume everything goes smoothly. Bank holidays in either country, extra security checks, or incorrect recipient details are the three most common causes of delay.

Always check the recipient's name and account details character by character before confirming. A small typo can hold a transfer for days while it is traced.

Providers make money two ways: an upfront fee and a margin on the exchange rate. A 'zero fee' transfer can still cost more if the rate is marked up.

Compare the amount the recipient will actually receive, not the headline fee. Most comparison results differ by 1–3% between providers on the same corridor.

Rates move during the day. If a provider guarantees a rate for a fixed window, confirm how long that window lasts before you enter your details.

No legitimate provider will ever call you asking for your password, full card PIN or a one-time code. If a caller asks for these, hang up and contact the provider through the number in their official app.

Be wary of 'support' numbers found through search adverts. Always use the contact details inside the official app or on the provider's official website.

If you think you have sent money to a scammer, contact your bank and the transfer provider immediately, then report it to Action Fraud. Acting within hours, not days, gives the best chance of recovery.

Transfers most often fail because of incorrect recipient details, a recipient bank rejection, or a compliance review. In most cases the money is returned automatically — it is not lost.

Refund times depend on how you paid. Card payments are usually fastest; bank transfers can take several working days to reappear in your account.

Keep the transfer reference number. It is the single most useful piece of information when chasing a refund with your provider.

Say plainly who you are. If you are an independent service and not the brand a customer searched for, that must be obvious in your ad copy and above the fold on the landing page.

Never imply an affiliation, endorsement or authorisation you do not have, and avoid trade marks in headlines. This is both an advertising policy requirement and a consumer protection one under CAP rules.

Be transparent about charges and identity. Confirming that you are an independent information service — and that you never charge for general guidance — removes the single biggest source of complaints and disapprovals.