Terms & Conditions

Last Modified: 23 March 2022

Terms & Conditions

March 22, 2022 2022-05-31 18:46


1.1. Welcome to the website of Bakhter Money Transfer Limited, here you can review the terms and conditions under which we provide money transfer services (the Services) listed on this website. Please note, in these Terms and Conditions, our use of the term ‘Services’ includes, without limitation, money transfer services, money remittance services, international money remittance services and Payment Services in accordance with Schedule 1 Part 1 of The Payment Services Regulations 2009 and PSR 2017.

1.2. Before confirming your order please:

1.2.1. Read through these terms and conditions (the Conditions) and in particular our cancellations and refund policy.

1.2.2. Print a copy for future reference.

1.2.3. Read our privacy policy regarding your personal information, and may know what we collect and how we save in records.

1.3. By ordering any of the Services listed on this Website, you agree to be legally bound by these Conditions. Please read these terms and conditions and they may be modified or amended and posted on this Website from time to time. For mobile app/ web users, it is essential to accept our terms & conditions as without acceptance you will not be able to sign up for an account.

1.4. We reserve the right to revise and amend the Website, our disclaimers and the Conditions at any time without notice to you. Your continued use of the Website (or any part thereof) following a change shall be deemed to be your acceptance of such change. Still for your valued users, in case of any major change in terms & conditions, we will mention specifically on transaction receipt and flag clearly on the Website if deemed necessary.


2.1. This Website is owned and operated by Bakhter Money Transfer Limited (we/us/our), a private limited company registered in England and Wales under company number: 09398248 having registered office Unit 04 Millennium Business Centre Humber Trading Estate, Humber Road London NW2 6DW United Kingdom.

2.2. We are registered with Financial Conduct Authority – FCA (FRN 674882) and HM Revenue & Customers (MLR 12799698) to carry out Money Transfer Activities in accordance with Payment Services Regulations 2009.


3.1. You agree that email and other electronic communications can be used as a long-distance means of communication and acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing. 3.2. We will contact you by email or provide information by posting notices on our Website.


4.1. Our Website is intended for use by customers who are residents in England, Wales, Scotland and Northern Ireland (the United Kingdom).

4.2. If we agree to supply any Services ordered from the Website for delivery outside the United Kingdom they may be subject to fees, duties and/or taxes or expenses incurred due to complying with local and foreign regulatory requirements or laws. You will be responsible for payment of any such duties and/or taxes in addition to our price. Please note that we have no control over these charges and cannot always predict their amount as it may vary with the passage of time.

4.3. You must comply with all applicable laws and regulations of the country for which the Services are destined.


5.1. After sign up on the Website or by using our Mobile app, we would request you to keep your login credentials secret. You are responsible for all actions taken under your chosen credentials.

5.2. By signup an account on the Website / Mobile app you undertake the followings:

5.2.1. All the provided details (Name, Address, Nationality, DOB, Occupation and Identification details) are true, accurate, current and complete in all aspects.

5.2.2. In case of any change in personal information, you will update your information in your profile or write us for necessary amendments in profile before initiating any further payment

5.2.3. You are equivalent or above the age of 18 years or if under 18, then you have a parent or guardian’s permission to register with and purchase the Services from this Website in conjunction with and under their supervision

5.2.4. Only use the Website / Mobile app by using your own username and password.

5.2.5. Keep your login credentials secret.

5.2.6. Not to disclose your password to anyone.

5.2.7. Change your password immediately if you notice any unusual activity on your account.

5.2.8. Never share your login credentials with anyone, neither permit directly or indirectly to use them.

5.2.9. Provide us correct and truthful details concerning:

(i) The money remittance transaction or transactions you instruct us to remit,

(ii) the payee or beneficiary’s correct, true, accurate and complete details, including name, address, bank account number and any other information concerning the payee or beneficiary we require from time to time,

(iii) Your full name, address, bank account number and any other information we require of you from time to time, and

(iv) Any other information we request of you prior to us completing the Services

5.3. You authorise us to transmit your name, address and other personal information supplied by you (including updated information) to obtain information from third parties about you, including, but not limited to, credit reports and so that we may authenticate your identity.

5.4. We reserve the right to terminate an agreement formed with you pursuant to clause 9 below and to suspend or terminate your access to the Website immediately and without notice to you if:

5.4.1. You fail to make any payment to us when due

5.4.2. You breach these Conditions (repeatedly or otherwise)

5.4.3. You are impersonating any other person or entity

5.4.4. When requested by us to do so, you fail to provide us within a reasonable time with sufficient information to enable us to determine the accuracy and validity of any information supplied by you, or your identity.

5.4.5. We suspect you have engaged, or are about to engage, or have in anyway been involved, in fraudulent or illegal activity on the Website.


6.1. To be eligible to purchase the Services on this Website and lawfully enter into and form contracts with us, you must:

6.1.1. Be 18 years of age or over.

6.1.2. Be legally capable of entering into a binding contract.

6.1.3. Provide full details of an address in the United Kingdom or the European Economic Area (if you reside in the EEA) or your local country address for the performance or delivery of the Services.

6.2. If you are under 18, you may only use the Website in conjunction with, and under the supervision of, a parent or guardian. If you do not qualify, you must not use our Website.

6.3. Identification requirements for Online Payment:

6.3.1. Valid Photo identification (Passport or Driving License) Coloured and clearly readable scan – Visa scan is required along with it if you have a non-British passport)

6.3.2. Address Verification (any valid utility bill/bank statement or council tax bill (please note that the bills should be at least 90 days valid.)

6.3.3. Your complete contact details

6.4. Please find that Bakhter Money Transfer Limited is authorized to verify your provided documents for identification purposes with an independent online source to confirm the validity/authenticity.

6.4.1. Also note the following:
i. This membership is not meant to be operated for business purposes
ii. Your requests may require a minimum of 2 working days in order to be verified and processed


7.1. The prices of the Services are quoted on the Website.

7.2. Prices quoted are for performance of the Services in the United Kingdom unless otherwise specified.

7.3. Unless otherwise stated, the prices quoted exclude VAT (we are not VAT registered).

7.4. We reserve the right, by giving notice to you at any time before delivery or performance of our obligations to you, to increase the price of the Services to reflect any increase in the cost to us due to any factor beyond our control (such as without limitation, any foreign exchange fluctuation, a significant increase in any other costs of third party services). In the unlikely event of this occurring, you shall be entitled to cancel the order at any time before we have commenced providing the Services.


8.1. Payment can be made by any major personal (not commercial) prepay, credit or debit card or through an electronic payment account as explained on the order form. In case of cash payment at the branch then you can pay us Cash.

8.2. By placing an order, you consent to payment being charged to your prepay/debit/credit card account or electronic payment account as provided on the order form.

8.3. Payment will be debited and cleared from your account before the provision of the Services.

8.4. When you pay for your order by card, we carry out certain checks which include obtaining authorisation from your card issuer to ensure you have adequate funds and for security reasons. This may involve validating your name, address and other personal information supplied by you during the order process against appropriate third party databases including the card issuer, registered credit reference agencies and fraud prevention agencies.

8.5. By accepting these Conditions, you:

8.5.1. Undertake that all the details you provide to us for the purpose of purchasing the Services are correct and that the payment card you are using is your own and that there are sufficient funds to cover the cost of the Services ordered.

8.5.2. Undertake that any and all Services ordered by you are for your own private or domestic use only and not for resale.

8.5.3. Authorise us to transmit the payment and delivery information provided by you during the order process (including any updated information) for the purpose of obtaining authorisation from your card issuer to ensure you have adequate funds, to authenticate your identity, to validate your payment card and for other security reasons, such as fraud prevention.

8.6. We shall contact you should any problems occur with the authorisation of your card.

8.7. We will take all reasonable care, in so far as it is in our power to do so, to keep the details of your order and payment secure, but in the absence of negligence on our part, we cannot be held liable for any loss you may suffer if a third party procures unauthorised access to any data you provide when accessing or ordering from our Website.


9.1. All orders are subject to acceptance and availability. If any Services ordered are not available, you will be notified by email and you will have the option either to wait until the item is available or to cancel your order. It is your responsibility to provide us with a valid email address so that we can contact you if necessary.

9.2. Any order placed by you constitutes an offer to purchase the Services from us. All such offers received from you are subject to acceptance by us and we reserve the right to refuse any order placed by you at any time prior to acceptance, without providing an explanation.

9.3. You shall be responsible for ensuring the accuracy of the details provided by you during the order process and we will not accept an order unless all details requested from you have been entered correctly.

9.4. You agree that if we contact you to acknowledge receipt of your order such communication shall not amount to our acceptance of your offer to purchase the Services ordered by you from the Website.

9.5. A contract between you and us (the Contract) incorporating these Conditions will only subsist after we have debited your payment card and have confirmed that we shall be providing the requested Service or made it available to be downloaded. We will send you an email to confirm this (a Confirmation Notice). The Confirmation Notice will amount to an acceptance of your offer to buy the Services from us. The Contract will only be formed when we send you the Confirmation Notice (whether or not you receive it).

9.6. You must check that the details contained in the Confirmation Notice are correct and you should print out and keep a copy of it.

9.7. You will be subject to the version of our policies and Conditions in force at the time that you order the Services from us, unless:

9.8. We also accept orders from agents on behalf of customers. The resulting legal contract is between the Agent and us and is subject to these terms and conditions, which the agent will advise you of directly. You should carefully review these terms and conditions as they apply to the transaction.


10.1. Transactions will be ready to disburse on our pay-out network where the receiver can show their ID and our pay-out partner will disburse the amount, while processing transactions we may ask for additional documents subject to Compliance policies and procedures. We need complete receiver details (Full Beneficiary Name, Contact number, Bank Account No.) to proceed with transactions to the pay-out location.

10.2. Any dates quoted for completing the performance of the remittance service are approximate only. If no date is specified then it will take place within 30 days or a reasonable time of the date of the Confirmation Notice, unless there are exceptional circumstances.

10.3. We shall not be liable for any delay in completing the performance of the Service, however, caused.


11.1. Please let us know if you have any problems with the Service. You can contact us using the contact information at the bottom of these Terms and Conditions.

11.2. You have the right to cancel your agreement with us after you have submitted a Transaction. This right of cancellation continues until fourteen days after you have submitted the transaction, or until we have completed the contract by paying the Pay-out Amount to the Recipient, whichever is the earlier. If you exercise your right to cancel under this clause, we may make a cancellation charge.

11.3. We will consider your written request for a refund (submitted by email, or by mail using the contact information at the bottom of these Terms and Conditions) if you provide the Sender’s full name, address, and phone number, together with the Transaction identification number, Transaction Amount, and the reason for your refund request.

11.4. Any refunds will be credited back to the same Payment Instrument used to fund the Transaction and in the same currency. No adjustment will be made for any currency fluctuations which may have occurred in the meanwhile.

11.5. If we do provide you with a refund, we will only refund the Transaction Amount if the Transaction was not paid out to the Recipient (in which case we will also cancel your pending Transaction); otherwise, we will only refund the Transaction Fee.

11.6. A charge of £20 may be applied which will be deducted from the transaction amount on top of the transaction fee. Note that this charge is incurred by the merchant bank and not by Bakhter Money Transfer Ltd.


12.1. Any information that you supply to enable us to perform our Services is protected by GDPR Rules. You agree that Bakhter Money Transfer Limited may use such personal data for the purposes of performing our Services, assessing the risk of performing our Services, for the purposes set out in our Terms and Conditions and to enable Bakhter Money Transfer Limited to enforce its rights under our Terms and Conditions if necessary.

12.2. You should be aware that: If we are requested or required by the police or any regulatory or government authority investigating suspected illegal activities, or upon the receipt of a court order, to provide your Personal Information and/or information concerning your activities whilst using the Website we shall do so; and We reserve the right in our reasonable discretion to disclose details of your use of the Website in relation to any, or any threatened, Court Proceedings in connection with your use, or the use of anyone under your control, of the Website whether in connection with the matters set out in these Terms and Conditions or otherwise.

12.3. Bakhter Money Transfer Limited handles all your information in accordance with our Privacy Policy. A copy of the Privacy Policy may be obtained on request at: info@bakhtermoneytransfer.co.ukor you can review it on our website.


13.1. You acknowledge and accept that all of the copyright, database rights and any other intellectual property rights which subsist in the design, layout, processes, functions, data and content of the Website are the property of Bakhter Money Transfer Limited, its information providers or licensors. The Website is owned and operated by Bakhter Money Transfer Limited. No part of the Site, its content or any of its underlying software and databases may be copied or reproduced, shared with third parties, reverse engineered, reverse assembled, or used to create any derivative work (whether in physical or electronic form) without the prior written consent of Bakhter Money Transfer Limited. You are authorized solely to view and retain a copy of the pages of this website for your own personal, non-commercial use.

13.2. You further agree not to:
(i) use any robot, spider, scraper or other automated devices to access the Service; or
(ii) remove or alter any author, trademark or other proprietary notice or legend displayed on this website (or printed pages thereof).


In case of any Complaint, you can write us Bakhter Money Transfer info@bakhtermoneytransfer.co.uk


The information, material, advice, suggestions, illustrations, notifications, and circulars displayed here are collectively called “the contents” on this website. Bakhter Money Transfer Limited assumes no responsibility for any mistakes, omissions, inaccuracies, typographical errors, etc. in the contents, nor does it make any warranty or representation regarding any content provided through this website. Bakhter Money Transfer Limited disclaims all liabilities in respect of the contents. Any action taken on the basis of the said contents will be at your own risk and responsibility. Bakhter Money Transfer Limited reserves its right to alter any part of the said contents, at its sole discretion, at any time, as and when required. The contents of this website shall not be displayed or printed in any form, either in part or in whole, without the prior written approval of Bakhter Money Transfer Limited.


a. These Terms and Conditions will be governed and construed in accordance with English Law and any arising dispute pursuant to these Terms and Conditions will be determined by the courts in England and Wales.
b. Our Terms and Conditions are written in the English language which shall also be the language of the Contract. All communications between us and you shall be made in the English language. Where any translation of our Terms and Conditions is undertaken into another language the English version of our Terms and Conditions shall prevail over any translation.