Quick answer. Open a GeraCash wallet, pass the identity check, fund from your preferred rail, add the recipient's local payout details, preview the fee and exchange rate, confirm. Most first-time senders complete a transfer in under ten minutes.

Step 1: Open a Wallet

Sign up at geracash.com with your phone number and email. A standard wallet is opened immediately with basic limits. To send larger amounts you pass identity verification — upload a government ID and take a selfie. Verification typically resolves within minutes.

Step 2: Fund the Wallet

Pick the funding rail that suits you:

UK Faster Payments from a UK bank.
SEPA Instant from a European bank.
Visa / Mastercard.
Local mobile-money rails (M-Pesa, Idram, UPI, PIX) if your phone number is registered to one.

Most domestic funding is free and arrives within minutes.

Step 3: Add the Recipient

The recipient does not need a GeraCash account to receive on most rails. What you enter depends on the destination country:

Kenya. Recipient's M-Pesa phone number, full legal name.
Armenia. Recipient's Idram ID or ArCa card, full legal name.
India. Recipient's UPI ID or bank account + IFSC, full legal name.
Brazil. Recipient's PIX key (email, phone, CPF, or random key), full legal name.
UK / EU. Sort code + account number, or IBAN + BIC.
Ghana / Nigeria / Uganda. Mobile money number or local bank account.

Recipients are saved for future transfers.

Step 4: Preview the Transfer

Enter the amount. GeraCash shows you:

The exchange rate being applied.
The platform fee.
The exact amount the recipient will receive in their local currency.
The expected delivery time.

If anything about the preview surprises you, pause and check — never confirm a transfer you do not fully understand.

Step 5: Confirm

Approve with your device biometric or PIN. For larger amounts, an SMS or authenticator-app code is required. The transfer is executed immediately on the sender side; settlement time is the time it takes the destination rail to credit the recipient — measured in minutes for most local rails, up to a business day for some cross-border bank transfers.

Step 6: Confirm Delivery

You receive a confirmation push notification when the recipient's rail credits the funds. The recipient is also notified (SMS on most local rails). For the first transfer to a new recipient, check in with them to confirm the money arrived as expected.

Common Pitfalls

Typo in the recipient account or phone. GeraCash validates format but cannot know you intended a different person. Double-check the last two digits of every number.
Name mismatch. Some rails reject transfers where the recipient's legal name does not match the account. Use the full legal name, not a nickname.
Sanctioned countries or persons. Transfers to sanctioned destinations or persons will be blocked. This is non-negotiable.
Large transfers without advance verification. Upload ID before you have a time-sensitive need — do not start a verification queue when you need money to arrive the same day.

Next Step

Send a small test transfer — for example, the equivalent of £10 or $10 — to confirm the experience before trusting a larger transfer. Most users set up one or two recipients permanently and then use the app monthly.