Send Money from the UK to The Gambia

Most transfers sent with FRS Money arrive within minutes. Bank transfers to Gambian accounts typically complete within 1-2 hours during business hours, while mobile money transfers are usually instant. Cash pickup is available within minutes at partner locations across The Gambia.

FRS Money charges low, transparent fees with no hidden costs. The total cost includes a small transfer fee and a competitive exchange rate margin. You can see the exact fee and the amount your recipient will receive before confirming any transfer. We aim to keep the total cost well below the global average (which the World Bank reports at above 6%), in line with the UN Sustainable Development Goal of reducing remittance costs to below 3%.

The GBP to GMD exchange rate changes throughout the day based on market conditions. FRS Money offers competitive rates close to the mid-market rate with a low, transparent margin. Download the FRS app to see the live rate and calculate exactly how much dalasi your recipient will receive.

You can fund your transfer using a UK debit card (Visa or Mastercard) or via bank transfer (Faster Payments). Both methods are secure and processed quickly. Debit card payments are typically processed instantly, while bank transfers may take a few minutes to arrive.

Yes. FRS Money is authorised and regulated by the Financial Conduct Authority (FCA) with firm reference number 782071. We are also registered with HMRC for anti-money laundering supervision (registration 00112363). Customer funds are safeguarded in accordance with FCA regulations, and all data is protected with bank-grade encryption.

To create an account and send money, you will need a valid photo ID (UK passport, driving licence, or national ID card) and proof of your UK address (utility bill or bank statement from the last 3 months). Verification is quick and can often be completed within minutes using our in-app ID verification.

Yes. FRS Money supports transfers directly to mobile money wallets in The Gambia, including Wave, QMoney, and Afrimoney. Your recipient receives the money instantly on their mobile phone, no bank account needed. Mobile money is one of the fastest and most convenient ways to receive money in The Gambia, especially in areas with limited bank branches.

Transfer limits depend on your verification level. After completing basic verification, you can send up to the standard daily and monthly limits. For higher limits, additional verification may be required. You can view your current limits at any time in the FRS app under your account settings.

You can track your transfer in real time through the FRS app. You will receive push notifications at each stage: when your payment is received, when the transfer is being processed, and when the money has been delivered to your recipient. You can also view the full history of all your transfers at any time.

You can cancel a transfer before it has been processed and paid out. If the transfer is still pending, go to your transaction history in the FRS app and select cancel. If the money has already been delivered to your recipient, cancellation is no longer possible. Contact our customer support team for assistance with any transfer issues.