Frequently asked questions

SendBuddie is a digital financial platform that makes it easier for individuals and businesses to manage, send, receive, and exchange money across different currencies.

With SendBuddie, you can hold multiple currencies in one account, send money to beneficiaries, receive payments, exchange currencies, fund your account, and track your transactions from a single platform.

For business users, SendBuddie also provides features such as multi-currency wallets, team access, Payment Links, transaction management, and account funding, helping businesses manage their international payments and day-to-day financial activities more conveniently.

SendBuddie is designed to provide a simple, secure, and convenient way to manage your money across borders and currencies.

With a SendBuddie account, you can manage your money across multiple currencies and make and receive payments from one convenient platform.

Depending on your account and the features available to you, you can:

• Hold multiple currencies in separate wallets.
• Hold and manage multiple currencies in one multicurrency wallet.
• Send and receive supported fiat currencies and stablecoins, including USDT, USDC, USDB, PYUSD, and EURC.
• Generate Payment Links that you can share with others to receive payments.
• Send money to individuals and businesses.
• Receive money into your available currency wallets.
• Exchange currencies between your wallets at the applicable exchange rate.
• Fund your account using the available bank funding options.
• Create and share Payment Links to request and receive payments.
• Add and manage beneficiaries for your transfers.
• Track your transactions and view their status and details.
• Download transaction receipts and reports for your records.
• Manage your business account, including adding team members where applicable.
• View your account limits and other account information from your Profile.

SendBuddie supports a range of fiat and stablecoin currencies for sending, receiving, holding, and exchanging funds.

The currently supported currencies include:

Yes. SendBuddie uses security measures designed to protect your account, personal information, and transactions.

Your account is protected through measures including encryption, secure authentication, and account monitoring. Passwords are stored in encrypted form, and SendBuddie states that it maintains security measures to protect personal information stored on its systems.

SendBuddie also follows applicable anti-money laundering and regulatory requirements, which may include identity verification and requests for additional information when necessary to process certain transactions.

SendBuddie is available to individuals and businesses who want to send, receive, and manage international payments. Personal and Business accounts are available, with eligibility depending on the customer’s country of residence and applicable verification requirements.

To use SendBuddie, you need to register an account and complete the required verification. Personal customers may be asked to provide a valid phone number and an accepted identity document, while business customers may need to provide business registration and ownership information.

Availability also depends on whether SendBuddie supports your country of residence. If your country is not available during registration, the service may not currently be available to you.

With a SendBuddie multi-currency wallet, you can easily hold, receive, send, and manage money in multiple currencies—all from one account.

You can have up to four currency wallets and switch between them whenever needed. If you need to convert money from one currency to another, you can do so directly within your account using our real-time exchange rates.

This makes it easier to manage international payments, receive funds, and send money without needing multiple accounts.

A multicurrency wallet is where you have several wallets opened in different currencies on your SendBuddie platform either on the web or Personal platform.

You can hold, receive and send money using a SendBuddie multi-currency wallet. You can hold a maximum of 4 currency wallets and convert between them at the real exchange rate where you need to.

You can send money from your account to a bank account that has been registered as a beneficiary on your account —

A fixed fee will be charged for this, and a conversion fee when you send to a different currency.

To exchange funds between your wallets:

1. Log in to your SendBuddie account and go to your Dashboard.
2. Click Exchange.
3. Under From, select the wallet you want to exchange funds from.
4. Under To, select the wallet you want to exchange funds to.
5. Enter the amount you want to convert.
6. Review the exchange details, including:
   • The applicable exchange rate
   • Any fees (if applicable)
   • The amount you’ll receive in your destination wallet
7. If everything looks correct, confirm the transaction to complete the exchange.

Once the exchange is successful, the converted funds will be credited to your selected wallet.

USDB is a digital dollar (stablecoin) designed to provide a simple and convenient way to hold and move dollar-denominated funds digitally. It is designed to maintain a stable value, making it useful for managing funds without being exposed to the same price fluctuations associated with many other digital assets.

On SendBuddie, USDB can be used within supported services to hold and move digital dollar value. You can manage your USDB alongside other supported currencies and stablecoins in your SendBuddie account, giving you greater flexibility in how you manage your money.

USDB is designed primarily for use within supported services and is not intended to function as an open loop stablecoin for use across every external platform.

Your SendBuddie virtual account can receive funds from approved sources, depending on your country of residence and the type of payment.

For customers outside the United States your virtual account can be credited through:

1. First-party payments — Payments from your own bank account, fintech account, or brokerage account.
2. Registered business payments — Payments sent by a registered business or company.
3. Family member payments — Payments from a family member who shares your surname.
4. Person-to-person payments — Personal payments from third parties, subject to applicable limits and restrictions. Person-to-person payments are generally limited to amounts below $4,000.

For customers in the United States your virtual account can be credited through:

1. First-party payments — Payments from your own bank account, fintech account, or brokerage account.
2. Payroll payments — Payments from an employer or business as part of your salary or payroll.
3. Third-party payments — Payments from other individuals or businesses, subject to applicable state restrictions and requirements.

All payments are subject to SendBuddie’s applicable compliance, verification, and transaction requirements.

Sending money with SendBuddie is easy:

1. Open the wallet you want to send money from.
2. Tap Send Money.
3. Select your funding source.
4. Enter the amount you want to send.
5. Review the exchange rate, transfer fees, recipient details, and selected beneficiary.
6. Confirm the transaction and enter your transaction PIN.

Once your transfer has been successfully initiated, you will receive a confirmation notification.

Please note that delivery times may vary depending on the destination country and payout method.

Most SendBuddie transfers are processed instantly, and your recipient may receive the funds within seconds once your payment has been processed and confirmed.

You can monitor the status of your transfer at any time by visiting the Transaction section of your SendBuddie account. We’ll also keep you informed with in-app and email notifications as your transfer progresses, so you’ll know whether it’s being processed or has been completed successfully.

While most transfers are completed within moments, some transactions may take longer due to factors such as:

1. The destination country
2. Banking partner processing times
3. Additional security or compliance checks

If your transfer is taking longer than expected, please contact our Support team for assistance.

You can easily track the status of your transfer directly from your SendBuddie account. Simply go to the Transaction section to view the latest status and details of your transaction.

We’ll also keep you updated through in-app notifications as your transfer progresses. Depending on the stage of the transaction, you may receive notifications when:

1. Your transfer has been initiated — your transfer request has been successfully submitted.
2. Your payment has been received and processed — SendBuddie has received your payment and processing has begun.
3. Funds have been sent to your beneficiary — the funds have been sent to the recipient or beneficiary.
4. Your transfer has been successfully delivered — the transaction has been completed, and the funds have reached the beneficiary.

You can check your transaction history at any time to view the status of your transfer.

If you have questions about a transaction or need help understanding its status, please contact our Customer Support team for assistance.

Your transfer limits are available in your SendBuddie account and may vary depending on your account and currency.

To view your limits:

1. Log in to your SendBuddie account.
2. Go to Profile.
3. Select Account Information.
4. Click Account Limits.
5. You’ll see the applicable limits for your account and available currencies.

Your available limit and remaining balance are displayed in the Account Limits section.

You can receive money into your Sendbuddie wallet by sharing the relevant account details of the wallet you want to receive funds into. The sender uses those details to send money to you. Available receiving details vary by currency and wallet:

1. Log in to your Sendbuddie account.
2. From your Dashboard, select the currency wallet you want to receive money into by clicking Open Wallet.
3. View the account details provided for that wallet.
4. Share the relevant receiving details with the person or business sending you money.
5. Once the funds have been received and processed, they will appear in the balance of your selected wallet.

Your available receiving details may vary depending on the currency and wallet you are receiving money into.

You can check your Transaction section at any time to confirm when the funds have been received.

You can find the bank account details for your SendBuddie wallet directly from your Dashboard. These details can be used when you need to fund your wallet or receive money into the relevant account.

To find your account details:

1. Log in to your SendBuddie account.
2. From the Dashboard, locate the currency account you want to fund or receive money into.
3. Click Open Wallet.
4. On the wallet page, click Fund account.
5. A Fund Account window will appear showing the bank details you can use to fund your SendBuddie account.
6. Depending on the currency and available funding options, you may be able to select from different banking partners.
7. The displayed details may include:
   1. Bank Name
   2. Account Name
   3. Account Number
8. You can click Copy All to copy the account details at once or use the copy icon beside an individual detail.

Important: Make sure you use the bank details provided for the correct wallet/currency when making a payment. Bank limits may apply.

A Payment Link is a shareable link that allows you to request and receive payments directly into your SendBuddie wallet. Instead of providing your bank or wallet details manually, you can simply create a Payment Link and share it with the person or business you want to receive money from.

The person making the payment can use the link to complete the payment, and once the payment has been successfully processed, the funds will be credited to the wallet associated with your Payment Link.

Payment Links can be useful when you need to request payments from customers, clients, friends, or other individuals and businesses without having to share your account details each time.

You can receive payments through a SendBuddie Payment Link from individuals or businesses, including third parties.

For example, if you run a business and need to collect a payment from a customer or client, you can create a Payment Link and share it with them. You can also use a Payment Link when requesting money from an individual.

The Payment Link provides a convenient way for someone else to make a payment to your selected SendBuddie wallet without requiring you to manually provide your wallet or bank account details.

You can create a Payment Link directly from your SendBuddie account. The Payment Link will be generated for the wallet you select.

To create a Payment Link:

1. Log in to your SendBuddie account.
2. Select Payment Link from the menu on the left-hand side.
3. Click Create payment link.
4. Under Wallet, select the wallet you want the Payment Link to be linked to. You can choose from the available wallets on your account.
5. Confirm that the correct wallet has been selected.
6. Click Generate payment link.

Your Payment Link will then be created for the selected wallet. You can find your created links in the Created payment links section of the Payment Link page.

Tip: Make sure you select the correct wallet before generating the link, as the Payment Link will be associated with the wallet you selected.

Yes. You can share your SendBuddie Payment Link with individuals or businesses you want to receive payments from.

You can share the link through your preferred communication channel, such as email, messaging apps, or other platforms. The recipient can use the link to make a payment, and the funds will be credited to the SendBuddie wallet associated with the link once the payment is successfully processed.

For your security, only share your Payment Link with people or businesses you intend to receive payments from, and make sure you select the correct wallet when creating the link.

If you haven’t received your transfer, it may still be processing. Delays can sometimes be caused by the sending bank or payment provider, the destination country, payment method, banking partner, or additional compliance checks.

To check your transfer:

1. Log in to your SendBuddie account.
2. Go to Transaction.
3. Find the relevant transaction and check its status.
4. If it shows Processing, the transfer is still being processed.
5. If it shows Successful but the funds have not arrived, please contact Customer Support with your transaction reference.

If the sender has already been debited but the transfer has not arrived, they may also need to contact their bank or payment provider to confirm the transfer was successfully sent.

For security and compliance reasons, you cannot edit your personal details directly after your SendBuddie account has been verified.

If you need to update certain information, such as your residential address or phone number, please contact our Customer Support Team at support@sendbuddie.com.

When contacting us, please provide the details you would like to update. For your security, we may ask you to complete additional verification or provide supporting documentation before making any changes to your account.

Once your request has been reviewed and approved, our team will assist with updating the relevant information on your account.

If you’ve forgotten your SendBuddie account password, you can reset it from the login page. Follow these steps:

1. Go to the SendBuddie website and select Login.
2. On the login page, click Forgotten password?
3. Enter the email address associated with your SendBuddie account and click Send.
4. Check your email inbox for a password reset email from SendBuddie. If you don’t see it in your inbox, check your spam or junk folder.
5. Open the email and click the password reset link.
6. Follow the instructions provided to create a new password.
7. Once your password has been successfully updated, return to the login page and sign in using your new password.

For your security: Never share your password or password-reset link with anyone.

If you notice any suspicious, unauthorised, or unusual activity on your SendBuddie account, please report it to our Customer Support Team as soon as possible.

You can report suspicious activity by contacting support@sendbuddie.com. When contacting us, provide as much information as possible about the activity, such as:

• The transaction or activity you believe is suspicious
• The date and time it occurred
• The amount involved, if applicable
• Any relevant transaction or reference details

For your security, do not share your password, PIN, OTP, or other sensitive security information with anyone.

Our Customer Support Team will review your report and advise you on the next steps.

For security reasons, your transaction PIN cannot be retrieved or viewed once set. If you've forgotten it, you can update it:

1. Log in to your SendBuddie account.
2. Go to Profile.
3. Select Login & Security.
4. Tap Update transaction PIN.
5. Enter your account password to verify it's you.
6. Enter your new PIN.
7. Confirm the new PIN.
8. Tap Save.

Note: You'll need your account password (not the old PIN) to set a new transaction PIN.

You can view your complete transaction history directly from your SendBuddie account.

1. Log in to your SendBuddie account.
2. From the dashboard, select Transaction from the left-hand menu.
3. You’ll be taken to the Transaction page, where you can view your transaction history.

You can also use the available filters to find a specific transaction. You can filter by date, status, or currency, or search for a transaction using the beneficiary’s name or transaction reference.

You can download a receipt for an individual transaction directly from the Transaction section of your SendBuddie account.

1. Log in to your SendBuddie account.
2. Select Transaction from the left-hand menu.
3. Find the transaction for which you want to download a receipt.
4. Click the three-dot menu (⋯) under the Actions column.
5. Select View.
6. A Transaction History window will appear with the details of the transaction.
7. Click Receipt in the top-right corner of the transaction details window.
8. Your receipt will be generated as a PDF file, which you can download and save to your device.

The receipt contains important transaction details, including the amount, sender name, sender account number, sender bank name, transaction date, reference number, and transaction status.

Yes. You can export your transaction records from the Transaction section of your SendBuddie account.

1. Log in to your SendBuddie account.
2. Select Transaction from the left-hand menu.
3. On the Transaction page, select the date range for the transactions you want included.
4. You can also apply filters such as Status or Currency, or search for a specific transaction.
5. Click Export.
6. Follow the prompts to download your transaction records.

You can use the exported records for bookkeeping, reconciliation, financial reporting, and record-keeping.

For mobile app

You can generate an account statement directly from your SendBuddie mobile app.

1. Open the NGN wallet (or the relevant currency wallet).
2. Tap Get Statement.
3. Enter the Start Date and End Date for the period you want.
4. Tap Submit to generate your account statement.

Your transaction status tells you where your transaction is in the processing journey. You can view the status of each transaction from the Transaction section of your SendBuddie account.

The main statuses you may see are:

• Processing — Your transaction has been initiated and is currently being processed. The transaction has not yet been completed.
• Successful — Your transaction has been processed successfully, and the funds have been delivered to the intended recipient or account.
• Failed — The transaction could not be completed. This may happen for several reasons, such as a payment issue, incorrect transaction details, or a problem during processing.
• Reversed — The transaction has been reversed, and the funds have been returned to the original account or wallet.

If your transaction remains Processing for longer than expected or shows as Failed, check the transaction details for more information or contact our Customer Support Team for assistance.

If a transaction is cancelled or is eligible for a refund, the funds will typically be returned to your account within 3–5 business days after the refund has been initiated.

The exact timing may vary depending on the payment method and the financial institution or banking partner involved.

You can monitor the status of your transaction from the Transaction section of your SendBuddie account.

If you have not received your refund after 5 business days, please contact our Customer Support Team at support@sendbuddie.com and provide your transaction reference so we can assist you.