Frequently Asked Questions

iChange Pte Ltd provides international money transfers as an authorised agent of MoneyGram Payment Systems, Inc. iChange is licensed by the Monetary Authority of Singapore (MAS) as a Major Payment Institution under the Payment Services Act 2019.

Contact iChange for all enquiries, cancellations, refunds and complaints: WhatsApp chat +65 9468 7877 or email support@ichange.sg. iChange is responsible for handling all of these.

No. Please check with iChange before you send to confirm that your destination country is supported.

You must be 18 or older, and you may only use the service for lawful purposes. It cannot be used for escrow, trust or gambling purposes.

Submit your Transfer Details and confirm the Transfer in the iChange app. Confirming in the app counts as your acceptance of the Terms and Conditions, so no paper form or handwritten signature is needed.

• Cash to cash: the recipient collects cash at a participating collection location in the destination country.• Cash to account: the money is paid into a bank account, mobile wallet or other payment account.

The fee is shown in the iChange app before you confirm your Transfer. iChange will not charge any additional fee without your knowledge.

The available currencies, the exchange rate and the converted amount are shown in the iChange app before you confirm your Transfer.

For cash to cash Transfers to certain countries, yes, in two situations:• If your Transfer is in U.S. Dollars and the collection point does not pay in that currency, the amount is converted to local currency at the prevailing standard rate.• If the money is not collected within 45 days, the exchange rate may be recalculated at the time of collection.In both cases the recipient may receive a different local currency amount than originally stated, so please ask your recipient to collect promptly.

Yes. Limits vary by destination country, applicable regulations and the service you choose. iChange will tell you the applicable limits at the time of your transaction.

iChange may do so if processing the Transfer would breach a law or regulation, could expose iChange to action by a government or regulatory authority, or may be connected with fraudulent, illegal or suspicious activity. As required by Singapore’s anti-money laundering rules, iChange monitors all Transfers and may report suspicious ones to the authorities. It may not be able to tell you if it does.

For cash to cash Transfers, your recipient must present:• Valid government-issued identification• Your full name as the Sender• Their own details as stated in your Transfer Details• The Transfer amount• The 8-digit transfer reference number

Only your intended recipient, directly and securely. Never share it with a third party, an online merchant or anyone claiming to help with the transfer. If someone collects the money with the correct reference number and valid identification, iChange is not liable for the loss, so you are responsible for keeping the number safe.

For cash to account Transfers, iChange sends the money to the details you enter in the app. Please check the account name, account number and other details carefully. iChange is not liable for any loss caused by incorrect details you provided.

You do not have an automatic right to cancel once a Transfer has been submitted. If the recipient has not yet collected the money, contact iChange immediately and it will make every effort to stop the Transfer. Once the money is available for collection, cancellation may not be possible and iChange cannot guarantee it.

If a cancellation is successful, iChange will refund the Transfer amount. It aims to do so promptly and in any case within 30 days.

An administrative fee may apply. iChange will tell you the fee before the refund is processed, and will only process the refund once you have been informed of the fee.

iChange will arrange a prompt refund of the Transfer amount and the fee you paid. The exceptions are where iChange can show that the account provider received the funds, or where the failure was due to an error in the account details you provided.

A cash to cash Transfer expires if it is not collected within 90 days of the Transfer date. You are then entitled to a refund of the Transfer amount. Contact iChange to request it. If you know the money has not been collected, contact iChange before the 90 days end so we can assist you.

Do NOT send money if:• You are sending money to a stranger you have not met in person• You are sending money to receive a prize, lottery winnings, a job offer or a loan• You are sending money to pay a government authority, taxing body or the police• You are sending money to buy a car, puppy or high-value item online, or to pay an apartment deposit• You have not independently verified a story about a friend or family member in need• Anyone other than your intended recipient is asking for your 8-digit reference number• You have been asked to send money without a clear, verifiable reasonOnce money is sent it may be paid out immediately, and you may not be able to get a refund. If in doubt, stop and contact iChange before proceeding: +65 9468 7877 | support@ichange.sg.

iChange collects and processes the personal data needed to complete your Transfer, including your identification details, contact information and recipient details. It processes this in accordance with Singapore’s Personal Data Protection Act 2012 (PDPA) and the iChange Privacy Policy: https://www.ichange.sg/copy-of-terms-of-use

iChange may disclose Sender and Recipient personal data to its service providers, payment partners, financial institutions and other parties where necessary to process the Transfer, prevent and detect fraud or financial crime, comply with applicable laws and regulatory requirements, and provide the Service.

It may be processed or transferred outside Singapore in connection with an international Transfer, subject to applicable data protection requirements.

Yes. Email support@ichange.sg. *Terms and conditions apply

Notify iChange immediately at support@ichange.sg.

WhatsApp chat @ +65 9468 7877 or email support@ichange.sg. iChange will acknowledge your complaint within three (3) business days and provide a substantive response within fourteen (14) business days. If more time is needed, iChange will notify you and give an expected resolution date.

No. Using this service does not create a deposit account or banking relationship. Being licensed by MAS does not mean you will be able to recover all the money you paid to iChange Pte Ltd if its business fails.

No. These are separate products with their own terms. Their fees, exchange rates and terms are disclosed to you separately at the time of each transaction.