Need a hand?

ARMF is an Australian remittance service designed for individuals who need to send money overseas from Australia. Users must meet the applicable eligibility requirements, be at least 18 years old, and successfully complete the required identity and compliance checks.

As a registered remittance provider, ARMF must verify your identity before providing services under Australia's AML/CTF laws. You may be asked for your full name, date of birth, address and a government-issued ID, and sometimes for the purpose of a payment or your source of funds. We cannot process a transfer until verification is complete.

The documents required depend on the information needed to verify your identity. You may be asked for a valid government-issued identification document, such as an Australian driver's licence or passport. In some circumstances, proof of address or source-of-funds documentation may also be required.

Verification time depends on the information provided and whether additional checks are required. Some applications may be completed electronically, while others may require further documentation or manual review. If more information is needed, ARMF will let you know what is required.

No. ARMF is a remittance provider, not a bank or authorised deposit-taking institution, and does not provide stored-value wallets in Australia. When you make a transfer, ARMF may hold your funds temporarily while the transaction is processed. This can include completing identity, sanctions, fraud, and other compliance checks before the funds are paid to your beneficiary.

Your sign-in details are managed by ARMF's secure identity provider. Update them from your profile with that provider; changes take effect the next time you sign in. Keep your credentials confidential and never share one-time codes with anyone.

To send money with ARMF, enter the amount you want to send and select your destination. You can then review the exchange rate, ARMF fee, and the amount your recipient is expected to receive before confirming the transfer. Once you confirm your transfer, ARMF will receive your funds and complete the necessary identity, fraud, sanctions, and compliance checks. Once the transfer is approved, we arrange payment to your beneficiary.

The cost can depend on the amount being sent, destination, applicable ARMF fee and exchange rate. Before completing your transaction, ARMF displays the relevant charges so you can review the total cost before confirming payment.

The exchange rate applied to a transaction is determined at the time of the transfer and shown before you confirm. It may include an exchange-rate margin or spread in addition to the underlying market rate. Your transfer summary provides the information applicable to your transaction.

Most transactions through ARMF are completed within seconds or minutes, but transfer times can vary depending on the destination country, receiving bank or payment partner, currency cut-off times, weekends or public holidays, and any additional compliance checks. In some cases, transfers may take one or more business days. If a transaction is selected for sanctions, fraud, or compliance review, we may need additional information before the funds can be released. However, we provide an estimated transfer time and keep you updated on the status of your transfer.

Payments are generally processed using the account details you provide, so please check the recipient's details carefully before confirming your transfer. If you notice an error, contact ARMF support at support@armf.com immediately. If the transfer has not yet been processed or paid out, we may be able to stop or correct it. Once the funds have been paid to the recipient, we cannot guarantee that the money can be recovered.

You can ask us to cancel or change a transfer while it is still pending and has not yet been processed or sent to the recipient. Once a transfer has been paid out it usually cannot be reversed, so contact support@armf.com as soon as possible.

Yes. Transaction and periodic limits may apply based on your verification level, the destination and our compliance requirements. Larger or unusual transfers may require additional information or checks before they can proceed.

ARMF supports international money transfers from Australia to more than 76 countries across 32 currencies through supported remittance corridors. Available destinations and currencies may vary, so check the supported options before making your transfer.

First, check your transfer status and confirm that the recipient's bank details are correct. If the transfer is marked as completed but the funds have not arrived, contact ARMF Support with your transaction reference so we can assist you.

ARMF currently accepts bank transfers to fund international money transfers. After setting up your transfer, follow the payment instructions provided by ARMF to complete your bank transfer.

Most money transfers arrive within seconds or minutes. A transfer may be delayed by banking hours, weekends, public holidays or additional verification checks. Where available, an estimated delivery timeframe is provided during the transfer process.

The exchange rate shown by ARMF is the rate applicable to your transfer and may include a margin or spread over the market rate. Before you confirm your transfer, we show the exchange rate, ARMF fee, and the amount your recipient is expected to receive, so you can review the total cost before sending money.

ARMF may earn revenue through a transfer fee, an exchange-rate margin, or both, depending on the transaction. Any applicable ARMF fees and charges are shown before you confirm your transfer. We aim to keep our pricing clear, with no hidden ARMF fees.

The amount received may sometimes differ from the amount shown in your quote due to charges applied by third-party, intermediary, correspondent, or receiving banks. These charges are outside ARMF's control. Exchange rates may also change between the time a quote is provided and when a transfer is processed. Where third-party charges are known or reasonably foreseeable, we aim to make this information clear before you complete your transfer.

Use the transaction information provided by ARMF to track your transfer. Its status can indicate whether the payment is being reviewed, processed or completed. Keep your transaction reference available if you need assistance from our support team.

ARMF uses security and compliance measures to help protect your transactions and personal information. These include AML/CTF controls, sanctions screening, fraud monitoring, encryption, access controls, and transaction monitoring. As a remittance provider, ARMF only holds customer funds temporarily as required to complete an instructed transfer. For more information about how we collect, use, and protect your personal information, please see our Privacy Policy.

If you believe you have been scammed or notice suspicious activity, contact ARMF immediately at support@armf.com and do not make any further payments. Never send money to someone who is pressuring you to act quickly or promising guaranteed returns. If you believe your account or transaction may be at risk, contact us as soon as possible so we can review the situation. ARMF handles reported fraud and scam concerns in accordance with its Fraud, Scam & Authorised Payment Reimbursement Policy.

No. ARMF provides money remittance services only and does not provide financial product, investment, or tax advice. Information shown through the ARMF service, including exchange rates and transfer information, is provided to help you complete your transaction and should not be considered a financial or investment recommendation.

ARMF business accounts are designed for eligible Australian businesses making payments to overseas suppliers, contractors and other business recipients. Accounts are subject to our verification and compliance requirements.

You may need to provide your ABN or ACN, business details, registered address and identification for directors, owners or beneficial owners. Additional documents may be requested depending on your business structure.

Only authorised representatives your business nominates during onboarding. You can ask us to add or remove authorised users. Changes take effect once we have verified the request.

To pay an overseas supplier or contractor, enter the amount and destination to request a quote. Review the exchange rate, applicable ARMF fee, and expected amount the beneficiary will receive before confirming the transfer. Once confirmed, provide the beneficiary's bank details and fund the transfer from your business bank account. After the required compliance checks are completed, ARMF will arrange payment to the beneficiary and you can track the transfer through to completion.

You can send regular remittances to saved beneficiaries. If your business has recurring or higher-volume payment needs, contact us at support@armf.com and we'll discuss what we can support.

Yes, there are business transfer limits that depends on your business verification status, the destination country, transfer method, and applicable compliance requirements. Larger or unusual transfers may require additional information, such as the purpose of the payment or supporting documents including invoices, contracts, or other relevant business records.

ARMF provides clear pricing for business money transfers. Before you confirm a transfer, you can review the applicable exchange rate, ARMF fee, and the amount your beneficiary is expected to receive. Any applicable ARMF fees are shown before you confirm the transaction, so you can review the cost of your transfer upfront.

Banks and other institutions may apply charges when processing international payments. These charges are outside ARMF's control and can depend on the destination and receiving institution. Where information about additional charges is available, we aim to provide it during the transfer process.

ARMF provides transaction information that can help businesses manage records of their international payments. Details may include the payment amount, applicable exchange rate, fees and transaction reference. Businesses should retain relevant transaction records and supporting documents for their accounting and regulatory requirements.

As an AUSTRAC-registered remittance provider, ARMF is required to understand the purpose of certain payments and monitor transactions in line with Australia's AML/CTF requirements. For some business transfers, we may ask for supporting documents such as invoices, contracts, or other information about the payment. Providing the requested information promptly can help us complete the necessary checks and avoid unnecessary delays.

ARMF uses KYC (Know Your Customer) and KYB (Know Your Business) checks, along with sanctions screening, fraud monitoring, and other compliance controls to help protect business payments. We may also verify business and beneficiary details and request additional information or documents when required. These checks help us identify and prevent suspicious or unauthorized transactions before funds are released. Additionally, if you notice any unauthorized activity, contact us immediately at support@armf.com.

If you have a complaint about our service, please contact us first at support@armf.com or +61 3 8679 2233. We will review your concerns and work to resolve your complaint fairly and as quickly as possible. If you are not satisfied with our response, you may be able to refer your complaint to the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution scheme of which ARMF is a member.

If you have a complaint about our service, please contact us first at support@armf.com or +61 3 8679 2233. We will review your concerns and work to resolve your complaint fairly and as quickly as possible. If you are not satisfied with our response, you may be able to refer your complaint to the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution scheme of which ARMF is a member.

Some transactions may be selected for additional checks as part of our fraud prevention, sanctions screening, or AML/CTF processes. If this happens, the transfer may be placed on hold while our compliance team reviews the transaction. We will not move the funds to the recipient until the required checks have been completed. If the review is cleared, the transfer can continue. If the transaction cannot proceed, the funds may be returned where applicable.