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Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Moneyto Ltd’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

1. Introduction

Moneyto Ltd is registered in the UK under Companies House registration 5108236 domiciled at 91-95 Newington Butts, London, SE1 6SF. Moneyto Ltd is registered as a Money Services Business with HMRC under number Registration 12183038. Moneyto Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under the Payment Services Regulations 2009 for the provision of payment services, Firm reference number 537811.

2. General Terms

Liability: In no event shall Moneyto Ltd be liable for damages for non-payment, non-deliver, delay or underpayment of money transfer orders, whether due to the fault, error or commission of Moneyto Ltd or its representative for more than the principal amount of currency (IES) and/or the money transfer and the consumer fee paid by the sender, except as otherwise provided by law. No liability is accepted for variances of service delays due to local regulations or causes beyond the control of Moneyto Ltd or its representatives. In no event shall Moneyto Ltd be responsible for any indirect, incidental, special or consequential damages. Moneyto Ltd collects the necessary information to process your transaction; the use of your personal information is regulated by the Data Protection Act (UK) and other regulations applicable overseas. Your personal information, will only be shared with our business partners in order to execute payment of your transactions, it is not shared with any other third parties or used for any incompatible purpose, except as required by law. We’re not keeping payment information in our database. The information is retained only for the time stipulated by regulatory authorities. If you wish to have access to your information, or have any questions about our privacy policy, its implementations or the use of your information, please contact our Main Office; you understand and accept the use of your personal information. Moneyto Ltd is a registered Data Controller under the Data Protection Act, duly registered as such by the Information Commissioner’s Office. This T&C shall be governed by and construed in accordance with English law and subject to the exclusive jurisdiction of the English courts.

The content of the pages of this website is for your general information and use only. It is subject to change without notice.

This website uses cookies to monitor browsing preferences. Find it here.

From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

3. Eligibility

To be eligible for our Services, you must be at least 18 years old. You further represent and warrant to us that if you are an individual and you open an Account with us that you are not acting on behalf of an undisclosed principal or a third party.

Moneyto Ltd reserves the right to access various government and private databases so as to verify your information. If certain databases provide a match to the information you provide then we may not have to ask for photographic evidence of your identity.

Moneyto Ltd reserves the right to refuse to accept any new user or any transaction at its discretion.

4. Money Transfers

The customers must at all times comply provide the relevant documentation that Moneyto Ltd may request as it may be required to comply with local and foreign laws on money remittance transactions. When required by law, money transfers sent or received will be reported in accordance with applicable laws and regulations in the United Kingdom and/or overseas as applicable. A money transfer will normally be available to pick up by the identified recipient (the receiver) or transferred to the beneficiary’s bank account after the transfer is authorised by Moneyto Ltd. Money transfers will normally be paid out in cash or bank deposit, in the currency available and agreed at the point of sales. Transactions that have not been collected after 30 days may be available only as a refund to the sender. Services may be subject to exchange rate control regulations of the receiving country. Moneyto Ltd makes every effort to carry out money transfer requests promptly and in accordance to the sender’s instruction. Money transfers worldwide could take up to seventy two 72 working hours (excluding weekends and holidays and limited to the hours of operation of the receiving agent). In addition to the service fees applicable to the transaction, a currency exchange rate set by Moneyto Ltd or its representatives may be applied. You will be informed of the commission charges and exchange rate that may apply BEFORE the transaction is processed. You will also be issued with a receipt where the details (charges, commission, dates, destination, exchange rate) of your transaction will be shown. It is your obligation to provide us with the correct information to make your transfers; small numerical mistakes or misspellings may affect your funds being delivered in a timely manner.

Main features of our services have been made available to you at our website www.Moneyto.co.uk which we encourage you to visit prior to using our services.

5. Cancellation & Refund Information

Funds provided to Moneyto Ltd for transactions processed through the Moneyto Ltd system are being provided for transmission purposes and are not a deposit. Once we have received a transfer order from you, you will be unable to revoke the transaction. All written refund requests will be subject to Moneyto Ltd review and discretion. If any refunds will be paid in the form of an internal Moneyto Ltd transaction payable to the claimant and the refund might include in some fees deductions.

If you wish to cancel a transaction or request a refund transferred amount, please contact us. Contact information you can find on the end of these Terms & Conditions.

We will generally refund principal amount which you made to us before exercising your right of cancellation, but:

  • we may not refund the commission as a reflex of the costs already fall under us except when the cancellation is due to an error by Moneyto Ltd;
  • we will not refund you after the payment was completed and/or paid out before we receive your notice of cancelation;
  • in case of the transaction has been paid out, we can not to refund the amount you paid.
  • Moneyto Ltd has a right to reject any transaction at its judgment.

All refund requests must be accompanied by a copy of the original ID and transfer control number.

If you made a transaction through our branch, you have to visit this branch where money sent from to request a cancellation and refund. Refunds can take up to 7 working days to be processed and this depends of partner confirmation of cancellation. We aim to process such request promptly but in any case within 30 days.

If Moneyto Ltd enable to process your transaction request within 45 days after submission necessary documents and followed our policies, you may request a refund of amount has been transferred.

Currency movements can never be considered as sufficient reason to request a refund. Currency markets can move in your favour or against you in a very short space of time; please ensure that you informed yourself prior to instructing us. Moneyto Ltd services are of money remittance only and we will not provide you with advice on currency markets.

Moneyto Ltd may refuse the payment order, if we cannot match the client name and address as provided to Moneyto Ltd to your card details. In this case we may be liable for an administration charge, which will be deducted from your deposit.

If you exercise your right to cancel and refund, we may make a cancellation charge.

Any refunds will be credited back to the same payment method has been used to fund the transaction and in the same currency.

6. Payment Terms

The prices for the Service consist of FX Spread and the Fees.

Our Fees vary from time to time, but changes in the Fees will not apply to any orders in respect for which we have already sent you the Confirmation.

If you pay by debit card it will be charged as soon as we accept your request for the transfer.

In case of a SWIFT transfer, we are not liable for any additional fees that the banks (either on the sending or receiving side) may charge.

When you pay by debit card and your order is refused by your bank or by the card issuer, your bank account will not be debited. However, it is possible that your bank or the card issuer might hold the amount you tried to send. If this happens you will need to contact your bank or card issuer to resolve the issue.

Discounts on our Fees may be available through promotions that we or our partners may offer from time to time. Promotions are subject to terms and conditions and will be honoured in accordance with their published terms.

Electronic funds transfers will be initiated by Moneyto Ltd only upon receipt of verified payment in good funds. Customers may require an extension of the payment deadline which can be conceded an Moneyto Ltd’s solely and exclusive discretion. Moneyto Ltd must received cleared funds prior to payments being made; once funds are received and cleared we will endeavour to start processing your transfer request as soon as possible (please consider bank holidays, cut off times, local bank holidays). The customer agrees that Moneyto Ltd may recover interest upon any unpaid amounts. In the event of default in payment by the customer, Moneyto Ltd may satisfy any liability arising hereunder out of any collateral which it holds for the customer, or other obligation it has to the customer, without prior notice to the customer. In the event such collateral is insufficient, the customer will remain liable to Moneyto Ltd and will promptly pay on demand the amount of any loss or expense sustained by Moneyto Ltd.

7. Compliance

Moneyto Ltd will not accept third party funds as stated by the Money Laundering Regulations 2007. Please ensure no third parties have access to your personal details as it is your responsibility that any passwords, pin numbers, security questions set out by MONEYTO LTD to protect you are not used by third parties.

8. Complaints

Payment Services Regulations 2009: our obligations to you will be especially governed by the provisions of the Payment Services Regulations. In accordance with our obligations under the regulations we must inform you of certain important rights pertaining to you. Once a trade is completed we cannot retain the proceeds unduly and must send them to your nominated account or return them to you. Money transfers are governed by the regulations where the destination of the funds and the recipient of those funds is located with the EEA and where the funds are in a currency of an EEA state. Further information on the Payment Services Regulations can be found on the website of the Financial Conduct Authority (FCA).

In the unlikely event that you are dissatisfied with any of the services we perform in the first instance in accordance with our complaints procedure here.

9. Law

The laws of the country you are transferring money may be different from English law, including laws governing what can be legally offered, sold, exported, bought or imported. There may be additional legal requirements, relating to (for example) the requirement to hold a license to buy or sell certain items, or to register a transfer in a central registry. You shall comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of our service and your bidding on, listing, purchase and solicitation of offers to purchase and sale of items. There is no practical way for us to continually monitor the laws of every country, or each user transaction. Please do not assume that you are allowed to do what other clients do, or that we are approving or validating any transaction, even if you have successfully made similar sales or purchases in the past. A person who is not a party to this User Agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this User Agreement but this does not affect any right or remedy of a third party specified in this User Agreement or which exists or is available apart from that Act.

10. Jurisdiction

If any provision of these Terms and Conditions is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall be enforceable. You agree that this User Agreement and all incorporated agreements may be automatically assigned by MONEYTO LTD, in our sole discretion, to a third party in the event of a merger or acquisition or any other event. You and MONEYTO LTD are independent contractors, and no agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship is intended or created by these Terms and Conditions. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. This document sets forth the entire understanding and agreement between us with respect to its subject matter. No oral explanation or oral information given by any party shall alter the interpretation of this Terms and Conditions.

11. Intellectual property

This Site, including all text, graphics, logos and image, as well as all other Moneyto Ltd copyrights, trademarks, service marks, products and service names are the exclusive property of Moneyto Ltd, and may not be used for any purpose without express written permission from Moneyto Ltd.

The content of the pages of this website is for your general information and use only. It is subject to change without notice.

12. Contact Information

Our contacts you may find on our website Moneyto.co.uk
Contact us by e-mail: info@Moneyto.co.uk

Or by phone:
+44(0)2077032136 (Spanish/English)
+44(0)2032912628 (Russian/English)
Or by Mail: 91-95 Newington Butts, London SE1 6SF United Kingdom.