What Information Do You Need to Send Money Internationally?

Preparing for a Smooth International Transfer

To comply with global Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations, international money transfer providers require specific information before they can release funds. Gathering these details beforehand prevents frustrating delays.

1. Sender Information (Your Details)

When setting up your account:

• Legal Name: Exactly as it appears on your passport, driver's license, or national identity card.
• Residential Address: A physical address in the sending country (P.O. boxes are typically rejected for AML compliance).
• Date of Birth & Phone Number: For two-factor SMS security verification.
• Government ID: A clear photo upload of your driver's license or passport for verification.
• Tax Identification: SSN / ITIN in the US, National Insurance number in the UK, or SIN in Canada (required for transfers over specific thresholds).

2. Recipient Information (Who You Are Sending To)

• Full Legal Name: Must match their government photo ID and bank account title exactly. A nickname or missing middle initial can trigger automated compliance flags.
• Physical Address: City, state, and postal code in the destination country.
• Contact Phone Number: Many payout systems send an automated SMS confirmation upon credit.

3. Financial Destination Details

Depending on the destination country and delivery rail:

• India: Bank account number and 11-character IFSC Code (or UPI ID).
• United Kingdom: 6-digit Sort Code and 8-digit account number.
• Europe (SEPA): 22 to 34-character IBAN (International Bank Account Number) and BIC/SWIFT code.
• Australia: 6-digit BSB Number and account number (or PayID).
• Cash Pickup: Designated agent pickup location and confirmation that the recipient has valid photo ID.

4. Transfer Purpose Code

Many countries (including India via the Reserve Bank of India) mandate a remittance Purpose Code. Common selections include:

• Family Maintenance and Living Expenses
• Educational Tuition and Living Costs
• Purchase of Residential Property
• Medical Expenses

About TransferGauge Editorial

TransferGauge produces educational analysis and transparent comparisons to help consumers make informed cross-border money transfer decisions. Our research is based on publicly disclosed fee schedules, regulatory records, and indicative market benchmarks.