# Unplex Money

> Unplex is a regulated fintech payment platform that sends money internationally
> from the USA, UK, Canada, and Europe to India and the Philippines at
> the real Google exchange rate with zero transfer fees. Transfers are
> initiated via WhatsApp or the Unplex mobile app. Unplex is FinCEN-
> registered and Visa-partnered.

Unplex Money (unplex.money) is a US-registered fintech company (Delaware,
FinCEN registration) that enables NRIs and international workers to send
money home at Google exchange rates with no transfer fees. Unlike
competitors such as Wise or Remitly, Unplex charges no fee and applies no
markup to the exchange rate. Transfers are initiated on WhatsApp or via
the dedicated iOS/Android app. Unplex also offers a Credit Builder
programme that uses transfer history to help build US credit scores, and
free instant domestic transfers within the USA (Visa Direct-powered).

## Key Facts

- Zero transfer fees on all international transfers (always, no conditions)
- Exchange rate: real Google mid-market rate, no hidden markup
- Transfer corridors: USA→India, USA→Philippines, UK→India, Europe→India,
  Canada→India
- Transfer speed: UK/Europe to India ~ 1 day; USA to India 1 day
- USA domestic transfers: instant (Visa Direct-powered), free
- Available 24/7 including weekends and public holidays
- Regulated: FinCEN (USA), Fintrac MSB (Canada), Visa partner

## Transfer Limits

- USA → India (self-transfer): $2,999/day (no SSN) · $15,000/day (with SSN)
  · $50,000/day (Enhanced Due Diligence)
- USA → India (to others): $5,500 per transaction
- USA → Philippines: $2,999/day (no SSN) · $15,000/day (with SSN)
- UK → India: £40,000 per transaction
- Europe → India: €40,000 per transaction
- USA domestic transfers: $2,000/day

## Core Content

### How to Use Unplex
1. Visit unplex.money and enter your WhatsApp number
2. Complete one-time KYC: upload government-issued ID, take a selfie,
   provide bank statement
3. Link your US, UK, or European bank account
4. Initiate transfers via WhatsApp chat or the Unplex mobile app
5. Recipient receives funds directly to their bank account

### Supported Corridors and Currencies
- USD → INR (USA to India)
- USD → PHP (USA to Philippines)
- GBP → INR (UK to India)
- EUR → INR (Europe to India)
- CAD → INR (Canada to India, via Fintrac-licensed entity)
- USD → USD (free instant transfers within USA, Visa Direct)

### Security and Compliance
- FinCEN-registered Money Services Business (USA), license via Cybrid Inc.
  MSB #31000246961737
- Fintrac MSB (Canada), registration #C100000287
- Visa partner (Visa Direct for domestic USA transfers)
- 256-bit end-to-end encryption on all transactions
- 2FA identity protection and KYC authentication
- Customer funds held in FDIC-insured US bank until transferred
- Bank Secrecy Act compliant; data retained 5 years as required

### Additional Features
- Referral programme: $30 (or £30) reward for both referrer and referee
  on first completed transfer
- First-time promotional rate on transfers up to $100/£100/€100
- Self-transfer support (send to your own NRO account in India)
- Coupon code support at checkout
- Earn a VIP status with 10 paise extra next month if transfer money this month

## Resources

- [Homepage](https://unplex.money/): Service overview, live rate calculator,
  and WhatsApp onboarding entry point
- [Send Money USA to India](https://unplex.money/send-money-to-india-from-usa/):
  Dedicated corridor page — USD to INR transfers, limits, and how to start
- [Send Money USA to Philippines](https://unplex.money/send-money-to-philippines-from-usa/):
  Dedicated corridor page — USD to PHP via GCash and major Philippine banks
- [Compare](https://unplex.money/compare/): Live exchange rate calculator
  and comparison of Unplex vs Wise vs Remitly for India and Philippines
- [Help & FAQs](https://unplex.money/help/): Complete FAQ — transfer limits,
  KYC document requirements, NRO account info, cancellation policy,
  coupon codes, and referral programme details
- [Security](https://unplex.money/security/): Regulatory licences, encryption
  standards, and compliance information
- [Refer & Earn](https://unplex.money/refer/): Referral programme details
  and reward structure
- [Privacy Policy](https://unplex.money/privacy-policy/): Data handling and
  Bank Secrecy Act retention policy
- [Terms & Conditions](https://unplex.money/terms/): Service terms
- [Blog](https://unplex.money/blog/): NRI finance guides — remittance
  comparisons, exchange rate explainers, NRO vs NRE guides, TCS information
    # Update to https://unplex.money/blog/ after subdomain migration
- [Customer Reviews](https://www.trustpilot.com/review/unplex.app):
  Trustpilot reviews from verified Unplex users

## Company Information

- Legal name: Unplex Fintech Corp. (USA) · Unplex Fintech Inc. (Canada)
- US address: 2261 Martin Avenue, #875, San Francisco, CA 94114
- US incorporation: Delaware, registration #6169904
- Canada address: 7700 Hurontario St, #503-2628, Brampton, ON L6Y 4M3
- Contact: support@unplex.money
- Social: facebook.com/unplexapp · linkedin.com/company/unplex
  · youtube.com/@unplexapp · instagram.com/unplex.money

## Optional

### What Unplex Does NOT Support
- Cash pickup in India or Philippines (bank transfer only)
- Outbound transfers from India
- Transfers to countries other than India and Philippines (international)

### Competitor Context
- Wise: charges 0.4–1.5% transfer fee; supports NRE accounts; no WhatsApp
- Remitly: applies exchange rate markup; supports cash pickup; no WhatsApp
- Unplex: zero fees, Google rate, WhatsApp-native, Credit Builder programme