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  • What does Bless Payments do?
    Bless Payments is a one-of-a-kind independent, international money transfer app. We’re created by migrants for migrants.
  • Is Bless Payments regulated?
    Yes, Bless Payments is registered with the Australian Transaction Reports and Analysis Centre (AUSTRAC). We’re a member of the Australian Financial Complaints Authority and we hold ASIC Australian Financial Services Licenses for Remittance and Foreign Exchange.
  • Is my money safe with Bless Payments?
    Yes, Bless Payments is doing our utmost to keep your money, and personal information safe employing numerous electronic, physical and procedural safeguards. These include storing your data and personal information in Australia and following industry best practice to keep your details secure including 2-Step Authentication, information encryption and Identity Verification procedures.
  • How can I use Bless Payments?
    The Bless Payments app is available to download from the Apple App Store and the Google Play Store for Android devices. We’re working on a web version so stay tuned for updates.
  • Who can sign up for Bless Payments?
    Bless Payments is available only in Australia, for users over 18 years.
  • How do I sign up?
    Download the app, add your name, mobile number and email address and you’re done!
  • Is two-factor authentication (2FA) available for added security?
    Yes, 2FA is available on the Bless app to ensure that your money and information remain secure.
  • How long does the sign-up process take?
    Sign-up takes just a couple of minutes. After you’ve provided your sign-up information, you’ll receive an SMS and email with 2FA details. Enter this into the app and you’re in!
  • I have issues signing up, what do I do?
    If you’re having issues signing up, or just have some questions, send us an email at hello@blesspayments.com.au and we’ll investigate.
  • How do I pick a language?
    Go to Account screen/page by clicking on the Account icon Select Change Language in the Settings section Use the search or select from the languages on the page Tap Save to update. Can't find what you’re looking for? You can request another language by tapping Looking for another language? at the button of the change screen and following the prompts.
  • How can I update my details?
    Open your Account page by tapping on the Account icon Select My details in the Account section Make your changes and tap Save Our team will review your changes Once approved, your details will update automatically.
  • How do I close my account?
    Open your Account page by tapping on the Account icon Select Close account in the Account page Tell us why you want to close your account Tap Close my account button
  • Where can I send money?
    With Bless Payments, you can send money to 23 countries across Asia, Africa and the Middle East, including; Don’t see your country here? We’re working on adding more countries to our service. Let us know where you want to send money and we’ll do our best to make it happen.
  • What details do I need to add a recipient?
    To add a recipient we’ll need to add two different types of information, personal details and information and transfer details. You’ll need their: Full name as it appears on their legal ID (including middle names) Email (optional to receive emails with transfer status updates) Mobile phone number We’ll also ask you to specify their relationship to you. We need this for security reasons. Required transfer details may differ from country and delivery method, but you’ll need their: Country Currency Bank name or branch Bank account number and Bank Identification Code (BIC)/SWIFT You can also personalise your recipients' details by adding their photo or giving them a nickname, like Mum. No one else can see these personalisation details.
  • What is an IBAN number?
    An International Bank Account Number (IBAN) is required for international transactions to uniquely identify a bank account. It is an internationally accepted code of up to 34 letters and numbers that can be used in making or receiving payments to or from a specific country. Your recipient can find their IBAN number on their bank statement. When adding your recipient's IBAN number, our IBAN checker will tell you if an IBAN is valid and show the name, branch and address for the bank it belongs to. This will help to ensure that your money is sent to the right recipient.
  • How many recipients can I add?
    You can add as many recipients as you want. That’s a lot of blessings!
  • What is a routing number in Bangladesh?
    A routing number is a 9-digit number used to identify financial institutions in Bangladesh and is key to accurately sending money to Bangladesh. This code consists of: 3-digit bank code 2-digit district code 3-digit branch code 1-digit check digit.
  • How much money can I send to someone?
    Users can transfer up to AUD$2,500 over a 24-hour period. To request a higher limit, send us an email at hello@blesspayments.com.au
  • How can I fund my transfer?
    You can fund your Bless Payments account using PayID and bank transfer. We’re working on adding more payment methods, including wallet and debit cards and will announce when these are ready to be used.
  • Is there a difference in funding methods?
    Yes. PayID is the fastest and is instant, while bank transfers may take up to 24 hours depending on your bank. Both methods have no additional fees. When you sign up, we create a unique PayID, Account number and BSB for you to transfer funds to. These are for your use only, so please don’t share them with anyone.
  • How can I use PayID?
    Select PayID as your payment method Copy your unique PayID (e.g. 123456@bless.money) Log in to your online bank or banking app. See How can I use PayID using an email address? below for more details. After your first transfer, your PayID details may be saved in your bank contacts, so you can use them for all your future Bless Payments transfers.
  • How can I use PayID using an email address?
    The steps to setup PayID vary from bank to bank, with steps for some of the major banks listed below: ANZ Open the ANZ App Select the account you want to pay from and select Pay Tap the + in the top-right corner Read the disclaimer and press Continue Choose Email from the list of options Enter your unique Bless Payments PayID email address and tap Continue For more guidance, please refer to https://www.anz.com.au/personal/ways-to-bank/more/pay-id/ CBA Open the CommBank app and select Pay Tap Pay someone Tap the + in the top-right corner Tap more…then Email address Enter your unique Bless Payments PayID email address and tap Next If entered correctly, the bank will confirm the registered PayID. Tap OK to complete setup. For more guidance, please refer to https://www.commbank.com.au/support.bank-accounts.send-money-using-someones-email-address.html ING Open the ING app and select Pay Tap Pay Anyone In the To account, tap the + icon Tap the + icon in the top-right corner Tap PayID and then select Email as the PayID type Enter your unique Bless Payments PayID email address and tap Verify For more guidance, please refer to https://www.ing.com.au/everyday-banking/pay-id.html Macquarie Open the Macquarie app and select Pay Tap Payees and billers Tap the + icon in the top-right corner and select PayID Enter your unique Bless Payments PayID email address Add a Nickname and toggle on Save this PayID Tap Lookup and then tap Use For more guidance, please refer to: https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payid/How-to-send-and-receive-PayID-payments.html Westpac Open the Westpac app and select Payments Tap Pay to PayID or Pay someone Tap Add in the top-right corner Tap Other PayID and select Email Enter your unique Bless Payments PayID email address and tap Next If entered correctly, the bank will confirm the registered PayID. Tap Next to complete setup. For more guidance, please refer to https://www.westpac.com.au/personal-banking/online-banking/making-the-most/payid/
  • How much does it cost to send money?
    For each transfer, you’ll be charged a small transaction fee. At Bless Payments we believe in keeping our fees low and transparent, so you can see a detailed breakdown before you finalise your transfer.
  • How long will it take to process my transfer?
    We deliver instantly or on the same day in most countries that we transfer to. This depends on: Destination country The payment method used, and Any additional security checks that may be required. Your first time sending usually takes the longest. We work hard to make your transfers as quick and seamless as possible.
  • How can I track my transfer?
    To check the progress of your transfer, you can check the history under your account in the Bless Payments app. Depending on what you’ve opted in for, we’ll also send you SMS or email updates with your transfer’s progress.
  • Am I getting the best exchange rate?
    We work hard to ensure that you get the best possible exchange rate at the time of transfer. We incur a small charge (measured in base percentage points) on the mid-market rate from a wholesaler. This changes on a day-to-day basis and differs by currency. Other money transfer businesses may mark this charge up further and call that their 'best exchange rate', as well as charge a transaction fee. Some don't charge a transaction fee, but hide it in the exchange rate. Bless Payments doesn’t mark up the exchange rate further. We will only charge a transaction fee, which ultimately keeps your costs down and ensures you can bless your loved ones more, with the same amount. We're working on a comparison feature to help make comparing exchange rates and fees even easier.
  • Can I choose how my recipient will receive the money I send?
    Yes, you can choose for your recipient to receive funds through their bank account or a mobile wallet.
  • What does my recipient need to do to receive the money I send?
    We want to make blessing your loved ones as easy for them as it is for you, so all your recipients need to do is provide you with their accurate details. See What details do I need to add a recipient? above for more details. They can also provide their email address to receive email updates on the status of their transfer.
  • Why does a South African recipient have to verify their identity, and how can they do so?
    In most countries, only the sender needs to verify their identity, but in some countries like South Africa, the government has different regulations and requires the recipient to also verify their identity. Bless Payments partners with Sikhona Money Transfer to ensure compliance with the regulations set by the Central Bank of South Africa by incorporating an ID verification process. If your recipient has previously received money using Sikhona Money Transfer, they will not need to complete this process and your transfer will be delivered automatically. If not, then the following steps will be undertaken once you have a made a transfer to your recipient: Your recipient will receive notifications from Sikhona Money Transfers via SMS and email with a link to verify their identity ID verification will require a valid South African mobile number, email address and an ID document, such as a South African ID Document, Asylum Document or Foreign Passport Your recipient will need to upload a clear picture of them holding their South African ID document Additional information will be required, including your recipient’s first, middle and last names, date of birth, gender, nationality and address
  • My recipient hasn’t received the money I sent, what can I do?
    If your recipient hasn’t received your transfer within 48 hours of sending you may want to try checking that: The progress of your transfer. You can check the history under your account in the Bless Payments app Your account has been fully verified. Check your notifications and/or email, and make sure you have no actions pending. The details you’ve added into their recipient information, including their contact details and banking information to check the information you’ve added is correct. Your recipient’s account is active and the details they’ve given you exactly match their banking information.
  • What is Identity Verification?
    Identity Verification is a process of identifying our customers and verifying customer details to comply with Australian and international laws, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
  • Where can I find the card number on my Australian driver license?
    The card number on an Australian driver's licence is a unique identifier associated with the physical card itself. It is distinct from the driver's licence number and is used for administrative purposes, including identification and tracking of the physical licence card. The card number's location may vary depending on the state that issued the card. While it is commonly found on the front, in some instances, card numbers may be located on the back - see table below: For more guidance, please refer to the images provided on this website. https://www.usi.gov.au/about/forms-id/drivers-licence
  • Why does my identity need to be verified?
    We need to verify your identity to ensure that we’re meeting our obligations set out by our regulators. Having accurate identity information helps to keep you, your loved ones and our platform safe.
  • What do I need to complete Identity Verification?
    You’ll need your Australian driver's licence or a passport. Part of the Identity Verification process involves taking a selfie to verify your photo ID, so make sure you allow Bless access to your camera when prompted.
  • How long does the Identity Verification process take?
    We have worked hard to make the Identity Verification process as simple and as quick as possible. Completing the Identity Verification process should take around 2-3 minutes.
  • How is my personal information gathered during the Identity Verification process used?
    The personal information gathered during the Identity Verification process is used to verify your identity to ensure that you are who you claim to be. This mandatory process helps keep your account and personal details safe and protects you, your loved ones, other users and Bless Payments from fraud.
  • My Identity Verification documents were rejected, what can I do?
    Identity Verification documents can be rejected for a number of reasons. If your Identity Verification has been rejected, send us an email at hello@blesspayments.com.au and we’ll investigate.
  • Why can’t I send money?
    There are a few reasons why you may be unable to send money: You may have not deposited the funds into your account to complete the transfer. Your account hasn’t been verified or we may need more information about your account activity. Check your notifications and make sure you have no actions pending. You’ve reached your transfer limit. If you’re experiencing any issues sending money, send us an email at hello@blesspayments.com.au
  • How does Bless Payments protect my personal information?
    We understand that the security of your personal information is important. We store your data on our secure company servers and take reasonable steps to ensure your personal information is protected from misuse, interference or loss, and unauthorised access, modification or disclosure. However, data protection measures are never completely secure and despite the measures we have implemented, we cannot guarantee the security of your personal information. Notify us as soon as possible if you become aware of any security breaches. For more information, see our Privacy Policy.
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