Methods of Money Transfer To Gambia:
There are currently many ways for sending money to Gambia in West
Africa. The methods differ depending on which one of the international
money transfer companies you decide to use.
Western
Union: 
WU is the largest money transfer company in the world with 500,000
Western Union agent locations in over 200 countries and territories.
There are several ways available for wiring money to Gambia using
Western Union; the ways may vary depending on whether you are
sending money to Gambia from the UK, USA or the EU etc.
• Money in Minutes service
This is an in-person method via visiting an agent and is the most
commonly used main method of sending money transfers to Banjul.
It means the time the receiver can collect their cash is around
10 minutes of the money wire.
Step
1
Find a Western
Union agent location near you using their Find
Locations.
Step
2
Fill in the Send Money section of the form and choose Cash Pickup
and Money in Minutes. You may request to give a secret question
and answer for extra security.
Step
3
Give your agent the completed form with the required funds (as
well as the transaction fee) in cash.
Step
4
Keep your receipt and WU tracking number (MTCN). The receiver
of the funds will need the tracking number to pick up the cash
and you may need to track your transfer online.
• Send Money Online
Note: The first thing you have to do is to make sure you are already
registered with Western Union. If you are not then you can register
fee online. Make sure you have some valid ID nearby. You can send
money online to Gambia by Western Union 24 hours a day, 7 days
a week from your laptop computer, tablet or smartphone device.
(Make sure you are using a secure link).
Sending Money Online From The UK by Western Union
Step
1
Log in to your profile or sign up for an
account
online.
Step 2
Start a transaction, enter Gambia as the destination and amount.
Step 3
For "Delivery method" choose "Cash".
Step
4
Pay with your Visa Credit Card, MasterCard, Maestro or Visa Debit
(Delta and Visa Electron) or pay via bank transfer (SOFORT).
Step 5
You'll get a confirmation by email. Save the tracking number (MTCN)
to share with your receiver for pickup. The receiver can pick
up the money in Dalasi at a Western Union agent location in The
Gambia.
Sending Money Online From The USA by Western Union
Step 1
Log in to your profile or sign up for an
account
online.
Step 2
Choose their Money in Minutes service.
Step 3
Enter your receiver's name and address.
Step 4
Pay using your
debit or credit card (issued by a bank in the
United States).
Step 5
You'll get a confirmation by email. Keep the tracking number (MTCN)
to give to your receiver for local pickup.
*The other methods which may be available are: Three-day service,
WU Pay (pay with your
bank account), payment into a bank account - remit money directly
to your receiver's bank account.
• Money Into A Bank Account
This method also involves going to a Western Union agent in person
and handing over the funds to transfer.
1) Find the nearest agent
location to you.
2) Fill in the Send Money Form, including recipient's
bank and account
information. Check what specific information is required.
3) Give your agent the completed form with the necessary funds
(as well as the transaction fee) in cash.
4) Keep your receipt which also has the tracking number (MTCN).
5) The money you sent will be deposited into the recipient's
bank account, usually between 1 to 3 bank
working days, depending on the destination country.
MoneyGram:
 Founded
in 1940 MoneyGram International Limited provides worldwide
money transfer and cash collection via over 340,000 agent locations
in over 200 countries and territories. *Among the various ways
available to send money are in person at an agent location, mobile
and online money transfer and channels.
• Send Money Via MoneyGram Agent
The things you'll need to get started are:
a) Money to transfer either in cash,
debit or credit card.
b) The recipients full name.
c) Some form of acceptable ID and maybe a recent utility bill.
Step 1
Locate and physically visit a MoneyGram
agent nearest you. You can find your closest agent by using their
Agent Locator.
Step 2
Fill in the Send Form with your details and the receiver's details.
Step 3
Give the Send Form to the MoneyGram Agent.
Step 4
As soon as your transaction is processed, you'll be given a transaction
Reference Number. It is important that you now give the receiver
this Reference Number so they can collect the cash in The Gambia.
In most cases the money can be collected by the receiver in around
10 minutes. The time can vary depending on the overseas agent's
opening hours.
• Send Money Online
The things you'll need to get started are:
a) An official photo ID, e.g. national ID card, passport or residence
permit
b) Your payment details such as amount you want to send and where
etc.
c) The recipient's first name and surname.
Step 1
If you are sending money online from the UK then visit the website
moneygram.co.uk,
and go to the Send Online page. If you sending money from the
USA or other country then visit the website moneygram.com
, choose your country, then find the Send Online page.
Step
2
From the Send To drop down menu choose the country 'Gambia', then
choose the Receive option, then the Currency option, and the amount
of money you want to remit. Then click the link to go to the next
page. The money Transfer Fee should be visible.
Step 3
Choose a payment method
(credit / debit card
or bank account) or verify if already checked. Then proceed to
the next page.
Step 4
Enter the receiver's details and your payment information.
NB: You may need to contact your credit card company in advance
to confirm whether you can send money online via MoneyGram.
Step 5
Check your transaction information and click the Submit button.
Usually your money will be available for pick-up in around 10
minutes (subject to opening hours of the local agent in Gambia).
Once your money transfer has been wired, you will be sent an email
alert instructing you to log into you
account. Once you have logged into you account,
you will find the Reference Number for your money transfer order
under Recent Activity. Give this number to the receiver so they
can pick-up their cash.
Ria
Financial Services:
 Ria
was established in 1987 in New York and is currently the third
largest money transfer company in the world, with a worldwide
agent network of over 230,000 locations in over 120 countries
around the globe. Since its founding the company has provided
fast, reliable and secure money transfer services utilising state-of-the-art
technology. The company is now the the money transfer division
of Euronet Worldwide, Inc., a leading electronic payments provider.
• Send Money Via Ria Financial Services
Agent
Step
1
The first thing you need to do is find a Ria agent nearest you
by visiting
riafinancial.com then click on the Find a Location link. Then
fill in the country and city fields.
Step 2
Visit your nearest Ria Agent and fill out their send money form.
Step 3
• Hand over the cash which you want sent, as well as the service
fee.
Step 4
Your remittance order will be entered into their computer system
for fast handling at their Order Processing Center.
Step
5
You will be given a receipt with a special tracking number. Once
the transaction has cleared, the order is sent to the correspondent
agent in Banjul.
Among these are Fibank, AGIB, Zenith Bank, Bayba Financial Services,
Trust Bank, ICB, Gampost (Bakau) and Keystone Bank.
Step 6
The sender tells the receiver the pin number and that the cash
is ready to be picked up and can be paid out after they have shown
the cashier a valid form of ID.
NOTE: The person sending money to Gambia can monitor the progress
of a money transfer on the internet online. Recipients can receive
their Dalasi in around 15 minutes.
Among the well known MoneyGram agents in the UK are the following:
Post Office, Thomas Cook, Tesco, Speedy Cash, MoneyCorp, Debenhams,
Lebara Money, Guernsey Post, Jersey Post, EzRemit Money Transfer,
UKash, Dawson Foreign Exchange Services, ChangeGroup, International
Money Express (IME).
• Send Money Online
If you are interested in using Ria Financial Services for sending
money online from the U.S. to any one of their locations then
visit
riamoneytransfer.com. You can transfer funds via a
bank account, credit or debit card. The receiver can collect the
money either into a bank account
in around 4 working days locally or as a cash pick-up on the same
day.
Note:
*Various methods may not be available in The Gambia at this time.
Do check with on your local Western Union or MoneyGram website
for your country.
How can you protect yourself?
Help Prevent Consumer Fraud by thinking through these questions:
Are you responding to a phone or internet offer that you aren't
sure is honest?
Are you sending money to a claim prize or lottery winnings, or
on a promise of receiving a large amount of money?
Are you sending money to someone you don't know or whose identity
you can't confirm?
Are you sending money because you were "guaranteed"
a loan or
credit card?
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