Hawala never charges a transfer fee — sending and receiving money is always $0. We keep it competitive and fully transparent: you’ll always see the total cost before you send. The transfer cost is an FX conversion fee if currency exchange is involved.

Yes! Your recipient doesn’t need the Hawala app to get started. We’ll notify them by email or WhatsApp that money is waiting. They can then download the app, verify, and claim the funds to the options available in their country (bank account, mobile wallet, or cash pickup where supported).

We use industry-leading security measures including biometric authentication and encryption. Every transaction is monitored in real-time, and we have a dedicated security team working 24/7 to protect your account.

Your money is protected through multiple layers of security. We partner with licensed financial institutions, maintain regulatory compliance in all operating countries, and use bank-level encryption. Your funds are segregated and protected throughout the transfer process.

Hawala currently offers USD and EUR wallets, allowing you to hold funds in both major currencies. You can easily switch between wallets and convert currencies at competitive exchange rates directly within the app.

Users can opt in to enable banking details for their wallets, unlocking powerful features. Once enabled, your USD wallet gets a routing number and account number for US transfers, while your EUR wallet receives an IBAN for European transfers. This allows you to receive bank transfers directly, share your details with employers or clients, and use your Hawala wallet like a digital bank account for international money management.