Guide to Sending Money Abroad: Channels, Documents and What to Watch Out For
18 August 2026
Sending money abroad looks complicated the first time: different channels, different delivery methods, different information requests. In fact the process comes down to a few clear decisions — once you know who, where and how, the rest is standard.
First choose the delivery method
- Cash pickup: the recipient goes to a point abroad with their ID and collects the money in person. This is the most practical option for recipients without an account.
- To an account/IBAN: the money is transferred to the recipient’s bank account abroad.
- To a card: the money is loaded onto the recipient’s card and used as card balance.
- To a wallet: transfers can be made to partner digital wallets.
PTN, Faturamatik’s money transfer brand, lets you send to 195 countries from a single screen, with more than 650,000 payout points worldwide. Because the networks of partners such as Ria, MoneyGram, UPT Money Transfer, Intel Express and Thunes are gathered on the same screen, you do not need a separate process for each brand.
What information is requested?
The information depends on the delivery method; two things are always required: the sender’s ID and the recipient’s name exactly as on their identity document.
- For cash pickup: the recipient’s full name, country and the city where they will collect it.
- For account transfers: the recipient’s bank details and account/IBAN number.
- For card transfers: the card details — the card brand must be supported in that country.
- In every case you may be asked the purpose of the transfer — this is required by anti-money-laundering rules.
How are the fee and exchange rate set?
International transfers have two components: the transaction fee and the exchange rate. They vary by country, amount, delivery method and intermediary — there is no single fixed figure. That is why the most accurate information is the current fee and rate shown on screen or at the point before you confirm. At Faturamatik service points the amount, the fee and what the recipient will receive are shared before the transaction.
How does the process work?
- Choose the channel and delivery method and enter the recipient’s details.
- Confirm the transaction with your ID and see the fee and the amount the recipient will get on screen.
- Take the transaction number and share it only with the recipient.
- The recipient goes to a point with their ID or checks the amount credited to their account/card.
Common mistakes
- Giving a name that differs from the passport spelling (especially with Turkish characters).
- Not checking whether that delivery method is supported in the recipient’s country.
- Sharing the transaction number with strangers.
- Not keeping the receipt.
With the right channel and the right details, sending money abroad is no harder than sending it at home. Whenever a step feels unclear, asking at the nearest authorised point is the most practical move.
