Unplex is a payment transfer platform that works through WhatsApp and a Mobile App. It lets users send money internationally from the USA, the UK, Europe, or Canada to India and the Philippines.

You start a transfer by entering your number on unplex.money. You complete registration, verify your identity, and connect your bank account. Once set up, you can send money to your own account or someone else's in India or the Philippines. Transfers are processed using secure blockchain-backed and fiat payment infrastructure.

Yes, you can transfer money to NRE accounts in India.

1. Visit unplex.money
2. Enter your number
3. Complete identity verification with a local government-issued ID, bank statement, and selfie
4. Open the WhatsApp chat or the app and give us your transfer instructions

Transfer from the USA — any one of:

• US Passport
• US Driver's License
• US State ID
• US Visa + Bank Statement

Transfer from the UK & Europe — any one of:

• Passport
• UK/Europe Driver's License
• National ID Card
• UK/Europe Visa

Transfers from the US, the UK, Canada, and Europe to India are free. US-to-Philippines transfers are free for the first three transfers. Starting with your fourth US-to-Philippines transfer, a fee applies — there are no hidden charges, and any applicable fee is shown before you send.

• Transfers from the UK/Europe to India: 1 hour to a business day
• Transfers from Canada to India: 1 business day
• Transfers from the USA to India and the Philippines: 1 to 4 business days depending on your transaction history and tenure with Unplex. Most transfers are processed within a business day.

• USA to India and Philippines: $2,999/day without SSN verification, $15,000/day with SSN verification, $50,000/day with Enhanced Due Diligence (EDD)
• UK to India: £40,000 per transaction
• Europe to India: €40,000 per transaction
• Canada to India: CAD 5,000/day; CAD 10,000/week without SIN verification; CAD 15,000/week with SIN verification.

Yes, Unplex operates 24/7 — including weekends and public holidays.

Yes, you can transfer money between your own accounts internationally.

When you select a new recipient not registered with Unplex, you add them as a beneficiary with their personal and bank account details. Once added, you initiate a transfer and the funds are deposited directly into their bank account.

You can cancel a transfer in a WhatsApp chat with Unplex or in the app until your funds are transferred to our payout partner in the receiving country.

To cancel:

Menu Options → Transaction History → Select Transaction → Cancel

The refund will be processed to your bank account within four business days in the US and 1–2 business days in Canada, the UK, or Europe.

Once a transfer is initiated, an ACH pull is triggered. Cancelling stops the payout but does not stop the ACH pull. The amount will be refunded to your bank within four business days of the transaction creation date.

No. You cannot change the bank account for a transaction once it's sent. However, you can update your bank information for future transfers via:

Menu Options → Bank Accounts

Go to: Menu Options → Bank Accounts

Navigate to: Menu Options → Transaction History in your WhatsApp or Mobile App chat.

The transfer is still processing. Check the status via Menu Options → Transaction History in your WhatsApp chat.

Yes. Unplex is registered with FinCEN (USA) and FINTRAC (Canada), and partners with Visa, Cybrid, Saber, and Bivo Inc. Funds are held securely in a bank until transferred, and all transactions are encrypted and monitored for fraud.

No. For compliance reasons, identification is required for all transactions.

Only you and the recipient. Your transaction details are private and not publicly visible.

Contact Unplex support immediately. Your account will be investigated and secured.

Unplex cannot reverse a payment once it's sent. Please contact the recipient directly to request a refund. If unresolved, contact Unplex support.

Contact Unplex support immediately. While recovery is not guaranteed, the team will do their best to assist you.

Do not respond to or return the funds. Report the incident to Unplex support for further guidance.

1. Start a transfer at unplex.money, on WhatsApp, or in the mobile app
2. Follow the prompts until the payment screen
3. Enter your coupon code and pay the difference

First-time users may receive a promotional exchange rate for transfers up to $100/£100/€100/CAD 100. No code is needed. The promotion can be withdrawn at any time without notice.

1. Go to: Menu Options → Refer & Earn → Copy Link
2. Share your referral link with friends
3. When they complete their first transfer, both of you will receive a coupon code, automatically applied to your next transfer

Self-transfers to NRO accounts are processed through stablecoin infrastructure, which has lower processing costs — allowing Unplex to offer better exchange rates than transfers to NRE or third-party accounts.

Due to Bank Secrecy Act regulations, Unplex must retain your personal data for 5 years. However, we can deactivate your account upon request.

Unplex uses the live Google exchange rate with no hidden markup. The rate you're shown before confirming a transfer is the rate your recipient gets.

Submitting your SSN is optional but raises your daily transfer limit for USA-to-India and USA-to-Philippines transfers from $2,999 to $15,000. You can add it anytime via Unplex WhatsApp Chat or Mobile App.

Unplex supports transfers to all banks in India, e.g. HDFC, ICICI, SBI, Axis, Kotak and UPI-linked accounts.

An NRE (Non-Resident External) account holds foreign earnings and is fully repatriable. An NRO (Non-Resident Ordinary) account holds income earned in India and has repatriation limits. A resident Savings account belongs to someone living in India. Which account type your recipient has affects the exchange rate and processing route for the transfer — see "Why is the exchange rate better for self-transfers to NRO and Savings accounts?" above.

You can reach Unplex support directly through the WhatsApp chat or in the app by typing Contact Support.

Unplex complies with Bank Secrecy Act reporting requirements in the US and equivalent requirements in Canada, the UK, and Europe. Unplex does not determine your personal tax liability; consult a tax advisor for how remittances affect your taxes in your home or destination country.