We understand the importance of timely payments and reliable connections with suppliers across Europe. Our service provides business owners with a quick, secure, and convenient way to send money from the UK to any European country. With our Money Transfer app, you can pay invoices and manage funds anytime, anywhere, with ease and confidence.
Opal Transfer enables fast transfers across Europe, helping businesses meet payment deadlines and support seamless supplier relations.
With top-tier security protocols and partnerships with trusted banks, Opal Transfer ensures that every transaction is secure and reliable.
Opal Transfer offers competitive rates with no hidden fees, helping businesses save on international transactions.
Businesses receive multilingual, personalized support from real customer service agents, ensuring clear communication and reliable assistance whenever needed.
Download Money Transfer app – our quickest, easiest and most convenient way to transfer money abroad.
I have used Opal Transfer for many years. The website is secure and easy to use. The transactions are made timely. Their staff members are answering the phone calls promptly and direct you to the appropriate support. Irina and Mariana were helpful with my last transaction. They were patient and have explained the process so that I can follow it easily.
Alexandra Nica, 30 Mar 2024
I'm using Opal Transfer for years and I have never had any issues. Thank you so much to Rumiana that helping me update my payment mistakes all the time. She is amazing member of service. I highly recommend everyone to use Opal Transfer for safety, secure and quick money transfers abroad. They are the best ever.
Mariya Zhelyazkova, 20 Nov 2023
I had problems transferring money to my sister, I must note the professionalism and attentiveness of your employee Elizabeth. She resolved my issue within two minutes. Once again I am delighted with the service of Opal! Thank you everyone!
Sergey Klinshov, 24 Apr 2024
Always reliable, good exchange rates and fast transfers. I use Opal Transfer services fairly regularly and can highly recommend them :)
Adam Pe, 19 Apr 2024
As I made mistake while doing the transfer this was spotted by employee Daria and she called me to explain all. She was very professional, helpful and nice. I'm very happy with quick service opal transfer provide. I highly recommend that to everyone.
Sylwia Kuzdra, 1 Mar 2024
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Often people cannot log in to their Opal Transfer account because they have tried too many times. If you do not remember the password, you need to tap ‘Forgot?’ next to the password field and follow the easy steps to reset it.
If you cannot remember the email you are currently registered with, you can contact us: we will remind you what your email address is and help you with other information.
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No worries, it happens. Tap 'Forgot password' on the login page of the website or app and follow the steps to reset your passcode. If you need help, call us — we can issue a temporary passcode valid for 60 minutes.
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Open the app or website → go to the Security area → tap 'Change password' → enter your old and new password → confirm. If you need help, please call us.
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To update your profile: open the app or website → tap Edit my profile → edit the field you need → tap Update.
A few things to note:
You can change your home address, phone number and email yourself. To change your date of birth, name or surname, please contact us.
Email: after updating, confirm the change via the link sent to your new email address.
Phone number: after changing it, you'll be able to add a new receiver 24 hours later.
You can always call us for help.
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Yes. You can sign in and use the Opal Transfer app on any device — phone, computer or tablet — as long as the app is installed. Just download it on the new device if you don't have it yet and log in as usual.
If you're switching to a new phone with a new number, you'll also need to: download the app, log in, go to Settings → Edit my profile, change your mobile number and confirm. Please allow time for the update — you'll be able to add a new receiver 24 hours after changing your number.
Note: when you sign into a new device, the session on your previous device closes automatically. This keeps your account 100% secure.
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You can still use Opal Transfer on our website. Log in, go to Edit my profile → Security area → Change password, enter the old and new password, and confirm. We recommend changing your password straight away. If you need help, please call us.
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Opal Transfer currently works in the UK and 32 other countries within the EU and non-EU, and always look for new destinations. If you have any suggestions for new countries where people need our services, please let us know.
Our money services cover the following countries:
Armenia, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Moldova, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, The Netherlands, Ukraine and United Kingdom.
If you want to send money to the UK, EU or Ukraine now just go to the Money Transfers sections on Opal Transfer app or website, add the receiver, select the amount you would like to transfer and pay by debit card or bank transfer.
Important: Opal Transfer reserves the right to request extra documentation, according to the law. These documents may vary for payments initiated from outside the UK or where payment destination country is outside the EEA.
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You can send money abroad from the following countries: Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, France, Germany, Greece, Hungary, Italy, Ireland, Latvia, Lithuania, Norway, Poland, Romania, Slovakia, Spain, Sweden, The Netherlands, and United Kingdom.
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You can send as much as you wish — the transfer fee is exactly the same whether you send £50 or £50,000. For larger amounts we may ask for a few extra documents, which you can upload straight from your device. Contact us if you'd like help.
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It usually takes a few hours to reach your receiver's account. If you send in the morning, it's typically completed the same day. We'll keep you updated by app, email and/or SMS notifications — just enable these in the app or website under Our Communication. Occasionally the receiver's bank may cause a delay; if in doubt, contact our support team.
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IBAN number stands for International Bank Account, which is a unique identifier for a current account held in the EU countries as well as Norway, Switzerland, or Liechtenstein, and other parts of the world (i.e. Middle East, Caribbean). If you want to make an international payment within Europe, you’ll need your recipient’s IBAN.
An IBAN length may vary, depending on the country: it consists of a combination of letters comprising the country code, two check digits, and a number that includes the bank account number, branch identifier, and potential routing information. Some examples of IBAN numbers:
United Kingdom IBAN format: GB29 NWBK 6016 1331 8468 15
Bulgarian IBAN format: BG80 BNBG 9661 1070 3696 78
Romanian IBAN format: RO09 BCYP 0000 0012 3776 7892
Latvian IBAN number: LV80 BANK 0000 2371 9900 2
Ukrainian IBAN format: UA21 3224 1310 0002 6907 3335 6700 1
Banks around Europe use IBAN numbers to process international payments to make sure your money reaches its receiver safely and quickly.
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You can send money to yourself, another person, or a business.
To send money to a person, you'll need their:
Full name
Mobile number
Email address (optional)
Country
Purpose of transfer
IBAN — for EU countries
Sort code and account number — for the UK
Card number, or account number and BIC — for non-EU countries
To send money to a business, you'll need their:
Business name
Email address
Country
IBAN — for EU countries
Card number, or account number and BIC — for non-EU countries
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If your receiver's details are incorrect, the money will be returned to our account. We'll then contact you to sort it out.
To avoid delays, we always recommend double-checking the receiver's name and account details before you confirm a transfer.
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Yes, it's very simple. If you want to send money to more than one receiver at the same time, just follow these easy steps:
Start a new transfer for each receiver you want to send money to, completing the necessary details.
After you finish adding your receivers, just make one total payment for all these started transfers. You will need to pay by bank transfer to the Opal Transfer account.
We will allocate the total amount to all your receivers, as you defined in each transfer.
Alternatively, you can call us and list all the receivers and their account numbers, to make it easier for you.
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Every transfer is fully transparent. Before you send, the money transfer section shows the fixed fee (the same regardless of amount), the exchange rate, and the total to pay.
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Both card and bank transfer payment methods offer exactly the same fast money delivery. It’s entirely up to you whether you choose to pay by debit card or bank transfer when transferring money through Opal Transfer website or mobile app.
If you choose to pay by bank transfer, you will need to choose a New speedy payment by Bank Transfer. You will transfer the money from your current account into Opal Transfer bank account.
just choose to pay by Superfast Bank Transfer
select your bank from our list
confirm the payment in your mobile bank application, and you're done!
Make sure that the amount you transfer into our account is identical with the total amount mentioned on your transfer page.
Alternatively, if you wish to send money via online banking manually you will need to go to your bank’s online banking webpage. You will transfer the money from your current account into Opal Transfer bank account. Make sure that the amount you transfer into our account is identical with the total amount mentioned on your transfer page and you enter the Opal Transfer bank account details correctly.
If you choose to pay by debit card you will need to fill in your card details on the card payment pop-up page.
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You can pay for an online money transfer with Opal Transfer either by using a debit card or by bank transfer. Payments by credit cards are not supported by Opal Transfer at the moment.
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The most common reasons are: using a non-debit card (only debit cards are accepted); a billing address that doesn't match the one registered with your card issuer; online payments not activated on your card; or a 3D Secure failure. Check these and try again.
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You can check the status of any transfer anytime in your Transfers history, on the app or website.
If your transfer shows Not Paid, here's what to do:
If you haven't paid yet, simply choose your payment method — bank transfer or debit card — and pay the amount shown.
If you've already paid but the status still shows Not Paid/Awaiting payment, please send us your proof of payment through the app, the website, or by email at info@opaltransfer.com, and we'll update it for you.
Once your payment reaches our account, your transfer continues as normal — money typically reaches your receiver the same or next business day, depending on the cut-off time.
You can always contact us if you'd like help clarifying a payment status.
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We can provide you with a statement for your money transfers with Opal Transfer:
If you send money using Opal Transfer website or mobile app, you can see all your payments and their statements in your Transfers history section.
If you choose to send money with Opal Transfer over the phone, you can ask our advisors to send you the statement by email.
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Opal Transfer is an authorised UK Payment Institution and an Electronic Money Institution in the EU. This means anti-money-laundering law applies to our activity — specifically the UK's Money Laundering Regulations 2017 and the Republic of Lithuania's Law on the Prevention of Money Laundering and Terrorist Financing.
Because we don't meet our customers in person, the law requires us to verify your identity and, in some cases, ask for extra documents or information. This protects both you and your money, and helps us keep all transfers safe and legal.
You can find any documents we may need in the Document Upload section of the app or website. If you'd like help, please contact us.
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You can prove your identity with one of these documents, showing your full name clearly: passport*, UK or EU biometric residence permit, EU ID card, or full UK/EU driving licence (UK only).
To send it: go to Document Upload in the app or website → select the document type → take a photo of the original (or upload a saved one) → keep it within the guiding frame → take a selfie → tap send. Save as JPG, PDF or PNG, max 20MB.
Tips: use a well-lit room, keep every detail sharp, turn flash off to avoid glare, photograph the original (not a photo of a photo), make sure your selfie shows only you, and check your profile details match your document.
You can also email info@opaltransfer.com or use Business WhatsApp +44 20 7022 0995.
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Go to Document Upload in the app or website, select the document type, photograph the original (or upload a saved photo), save as JPG, PDF or PNG (max 20MB), and tap send. You can also email info@opaltransfer.com or use Business WhatsApp +44 20 7022 0995.
Proof of address — one of: bank statement, utility bill (electricity, gas, water, landline — not mobile), council tax, full UK driving licence (if not already used as ID), government/public authority letter, tenancy agreement, mortgage/loan extract, or insurance policy. Must be no older than three months and a copy of an original posted document.
Proof of income / source of funds — one of: bank statement showing regular income (salary, dividends, stipend, rent); bank statement showing a one-time large deposit (property sale, insurance, loan, inheritance); or a 3-month savings statement. With a bank statement, we recommend also sending original proof (payslip, P60/P45, invoice, tax return, sales contract, solicitor's letter).
Proof of payment — a document (e.g. bank statement) clearly showing your full name, your account details, and your payment to Opal Transfer.
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Opal Transfer is an authorised UK Payment Institution, and an Electronic Money Institution in the EU, the main law, called The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017and the Republic of Lithuanian Law on The Prevention of Money Laundering and Terrorist Financing applies to our activities. applies to our activity.
As we don’t physically meet our customers, according to this law we need to require extra documents, data or information to verify the customer’s identity. All documents that we may ask from you can be found on the Opal Transfer mobile app or website, in Document Upload section.
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If you see the status "Awaiting approval", it means we've received your documents and they'll be approved within 24 hours.
You'll see the status update in your account once they're approved.
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Most transfers reach the receiver within a few hours, but several things can cause a delay or failure:
Receiver's bank is still processing. UK transfers usually take a few hours but can take up to 3 working days with slower banks. Always check your receiver's account is compatible with our service.
Incorrect receiver details. Double-check everything you entered in the receiver fields.
Extra documents needed. Check your Transfers history and upload anything we've requested.
Payment not completed. If you chose bank transfer, make sure you actually sent the money to the Opal Transfer account.
The receiver's bank rejected it. Contact the bank directly for details.
Restricted destination. As a regulated institution (UK financial authority and Bank of Lithuania), we can't process transfers to certain countries, banks or high-risk merchants (e.g. unregulated gambling, crypto, pyramid schemes).
Transfers can stay pending for up to about 3 days depending on how quickly the required information reaches us. If you're unsure, contact our support team and we'll help.
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Whether you can cancel a transfer depends on its status:
Pending or "Not Paid" transfers: you can cancel these from your account before they're processed. (Any unpaid transfer is automatically cancelled after 48 hours.)
Completed transfers: once a payment has been executed, it usually can't be cancelled. You can still contact our support team to check whether a recall request is possible.
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A payment is confirmed when:
- you authorise the transaction with your card, bank transfer, or another method, and
- your bank or payment processor approves it.
A payment is executed when:
- the funds have been deducted from your account and sent to the receiver, and
- the receiver's bank acknowledges the transfer.
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Opal Transfer Ltd operates as a payment service provider (PSP) in the UK. Your money is always safe with Opal Transfer, as we are an Authorised Payment Institution (API) in the UK, Financial Conduct Authority (FCA) authorisation number: 533677. Opal Transfer EU, UAB is an Electronic Money Institution (EMI), licensed by the Bank of Lithuania, authorization code LB001915, license number 58, dated 2019-10-03. We are supervised by the Bank of Lithuania located at Gedimino pr. 6, LT-01103, Vilnius, Lithuania, at telephone number: +370 800 50 500. You can find more information about the Bank of Lithuania here: https://www.lb.lt/en/. Data about us is collected and stored in the Register of Legal Entities of the Republic of Lithuania. Moreover, when you visit Opal Transfer website on your computer or mobile phone you may notice a small padlock icon in your browser's address bar (bottom left of the web browser). This icon confirms that your data travels using an encrypted link between our server and a customer. This allows the sensitive information such as credit card numbers, personal data, and login credentials to be securely transmitted over the public Internet.
Safeguarding measures are applied to all relevant funds, which are segregated and kept separately from the company’s funds, ensuring that, in the event of insolvency, relevant funds still held with us would be used to repay you following- the UK Payment Services Regulations 2017, EU Payment Services Directive and the Republic of Lithuania Law on Electronic Money and Electronic Money Institutions. The relevant funds are all deposits that Opal Transfer has received from you, but where a Money Transfer Order has not yet been executed to the Receiver’s Payment Service Provider.
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You can register with Opal Transfer and transfer money if you are at least 18 years old and you currently live in the UK or in one of the following countries within the European Economic Area (EEA) (regardless of your nationality): Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
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For now, Opal Transfer does not support money transfers from non-EU countries.
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If you suspect fraudulent activity on your account, take the following steps immediately:
Block your payment instrument: Contact our customer support team or use the online portal to block your payment card or account access.
Report the fraud: Inform our customer service team and, if necessary, your bank or card issuer.
Secure your personal data: Change your login credentials and review recent transactions to identify any unauthorized activity.
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If you lose your payment instrument or suspect fraudulent activity, you should:
-Contact our customer support team immediately.
-If applicable, log into your account and block the instrument yourself.
-;Notify your bank to prevent unauthorized transactions.
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Please let us know if you experience any issues while using Opal Transfer services. You can call us, send us an email or speak to us in person – we are committed to resolving your concerns as quickly as possible.
You can submit a formal complaint using the following contact details:
For payments within the EEA (European Economic Area): please email info@opaltransfer.com.
For payments in the UK (United Kingdom): please email manager@opaltransfer.com.
Your complaint will be forwarded to the appropriate Complaints Manager or Complaints Officer.
Complaint handling timeframes:
For UK payments: we will acknowledge receipt of your complaint within 7 calendar days and provide a final response within 15 calendar days.
For EEA payments: we will acknowledge receipt of your complaint within 3 business days and provide a detailed final response within 15 business days. In exceptionally complex cases, this period may be extended; however, you will receive a final response no later than 35 business days after we receive your complaint.
Our response will include full details of our complaints handling procedure. If you are not satisfied with our decision, UK customers have the right to refer their complaint to the UK Financial Ombudsman Service, while EEA customers (consumers) have the right to refer their complaint free of charge to the Bank of Lithuania for out-of-court dispute resolution.
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We offer customer support in English, Russian, Ukrainian, Bulgarian, Romanian, Latvian, Lithuanian and Polish. If you prefer Latvian or Lithuanian, just let the advisor know and we'll connect you with a Latvian or Lithuanian speaker from the Opal team.
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