Send money online

1. Operator and scope

This website, transpaygo.com, is an informational website operated by Transpaygo Limited, a company registered in England and Wales under company number 08936601, with registered office at 48 Chancery Lane, London, United Kingdom, WC2A 1JF. Contact: [email protected].

These General Terms and Conditions govern use of this company website. They also explain the general framework of the services described here. This site does not provide account registration, accept payment orders or collect payments. Visiting it does not create a payment-service contract.

2. Service providers and transaction contracts

The financial service is provided by Mi Envío Entidad de Pago, S.L., a Transpaygo Limited subsidiary, with registered office at Avinguda de Francesc Cambó, 17, 1st floor (08003 - Barcelona). It is registered with the Bank of Spain under reference number 6926 as an authorised financial institution.

The relevant mobile network operator supplies the underlying telecommunications service for mobile top-ups.

Transactions are concluded separately with the relevant service provider, not on this website. The identified provider’s applicable terms, country-specific conditions, pricing and privacy information must be presented and accepted before a transaction is submitted. Those transaction terms govern the payment or top-up contract; these website terms do not replace or amend them. Availability depends on the sending country, receiving country, operator and payout partner.

3. Eligibility, registration and verification

Money-transfer customers must be at least 18 years old and register using accurate, complete and current information. Accounts are personal and must not be shared. Customers must keep their credentials secure and report suspected unauthorised access promptly.

The financial provider may require identity, address, beneficiary and source-of-funds information to meet its legal obligations. Transactions may be delayed, refused or suspended if verification cannot be completed, instructions are incomplete or processing would breach applicable law. Mobile top-up registration and payment requirements are explained by the relevant service provider.

4. Instructions and permitted use

Check the recipient’s name, bank information or mobile number, country, amount and payment details before confirming a transaction. Use only payment instruments you are authorised to use. Incorrect recipient information can prevent delivery or cause funds or credit to reach the wrong person; recovery cannot be guaranteed.

Personal remittances are intended for people you know, not as a payment mechanism for buying goods from unknown third parties. Customers must comply with applicable laws and must not use the services for fraud, money laundering, terrorist financing or other unlawful activity. The provider may conduct checks and make disclosures required by law.

5. Rates, fees and payment

The applicable exchange rate, service fee, payment amount and recipient amount are displayed on the transaction platform before confirmation. Rates may differ from central-bank or published market rates. Any applicable taxes and known additional charges must be explained in the transaction information.

The available payment methods and transaction limits vary. A card issuer, sending bank, intermediary or recipient bank may apply its own charges. Consult the relevant institution and the transaction terms before paying. This company website does not quote live rates or accept funds.

6. Execution and delivery

Delivery times depend on the service, destination, banking hours, operator and verification requirements. Any delivery estimate shown on the transaction platform is subject to its applicable terms and statutory obligations. A top-up is a credit to a prepaid mobile account, not a cash payment to its owner.

The provider communicates transaction information using the contact details supplied by the customer. Check those communications and respond promptly to requests for further information. Contact customer support if the expected delivery has not occurred.

7. Cancellation, refunds and errors

Contact your transaction’s service provider without delay to report incorrect instructions, suspected unauthorised payments, non-delivery or a cancellation request. For help identifying the appropriate contact route, email [email protected]. A transfer may be cancellable before it is processed; cancellation or recovery after processing is not guaranteed. Applicable statutory notification periods and refund rights are governed by the transaction terms and relevant payment-services law.

A successfully delivered mobile top-up is normally immediately usable and cannot be removed or refunded. If a paid top-up cannot be delivered, the provider’s published terms provide for a refund of the payment and service fee. Where a service is fully performed with the required prior express consent and acknowledgement, any statutory right of withdrawal may cease. This does not remove rights concerning an unauthorised, failed or incorrectly executed service.

Refunds are normally returned through the original payment method, subject to lawful verification requirements. These website terms do not impose a new cancellation fee or reduce any mandatory refund right.

8. Safeguarding and responsibility

Mi Envío’s customer payment funds are safeguarded separately from its own operating funds. Safeguarding is not a bank deposit guarantee and funds held by a payment institution are not covered by the UK Financial Services Compensation Scheme simply because they are safeguarded.

The provider’s responsibility for executing a transaction is set out in the applicable service contract and law. Nothing in these terms excludes liability for fraud, death or personal injury caused by negligence, or any liability that cannot lawfully be excluded. Mandatory consumer and payment-service rights remain unaffected.

9. Website use, availability and intellectual property

You may browse this website and retain or print information for personal, lawful use. The site’s content, branding, design and images belong to Transpaygo or their respective rights holders. Other reproduction, modification or commercial reuse requires the relevant rights holder’s permission unless permitted by law.

Do not interfere with the site, introduce malicious software, attempt unauthorised access or misuse another person’s data. We may restrict access to protect the website and its users. We aim to keep information accurate and the website available, but maintenance, technical faults and circumstances outside our reasonable control may cause interruptions. The content is general information, not personalised financial advice or a guarantee of availability or price.

10. External links and privacy

External websites have their own terms and privacy policies. Read those policies before submitting information or paying. Our privacy policy explains the processing associated with this company website and enquiries. It is separate from the privacy information applicable to transactions.

11. Enquiries and complaints

For company, website or service enquiries, contact [email protected] or write to Transpaygo Limited at its registered office. Transaction complaints should be directed to the relevant service provider using the contact details supplied with the transaction, giving a transaction reference and a description of the issue. Do not send card credentials or identity documents in an unsolicited email.

Payment-service complaints should first be raised with the relevant provider. If a complaint about Mi Envío remains unresolved, customers may refer it to the Banco de España, Departamento de Conducta de Entidades, C/ Alcalá 48, 28014 Madrid, Spain, subject to its admissibility requirements. Information is available on the Banco de España website. Applicable rights to seek other dispute resolution or a court remedy are unaffected.

12. Governing law and changes

Use of this company website is governed by the laws of England and Wales, without depriving consumers of mandatory protections under the law of their country of residence or their right to bring proceedings in a competent court. Financial-service and mobile top-up contracts have their own governing-law provisions, which are presented by the relevant provider.

Updated website terms are published here and apply prospectively to website use. They do not retrospectively alter an existing transaction contract. If a provision is invalid, the remaining provisions continue to apply to the extent permitted by law. Failure to enforce a provision does not waive a legal right.

1. Who is responsible?

Transpaygo Limited, 48 Chancery Lane, London, United Kingdom, WC2A 1JF, is responsible for personal data processed in connection with this informational company website and company enquiries. Contact [email protected] with the subject “Privacy” to request that your enquiry be directed to the appropriate department. You can also write to the registered office.

For financial services, Mi Envío Entidad de Pago, S.L., Avinguda de Francesc Cambó, 17, 1st floor (08003 - Barcelona), and Transpaygo Limited are identified as joint controllers in the service privacy information. The privacy information supplied by the relevant service provider explains the processing arrangements and contact routes applicable to a transaction. This website policy does not replace it.

2. Information processed on this website

This static website has no account system, contact form, checkout or newsletter subscription. It does not ask for identity documents, bank details or payment-card information.

Your browser must transmit technical data to the hosting infrastructure to request pages and assets. This includes an IP address, requested resource, time of request and browser-related information. The supplied Nginx configuration disables routine access logging; technical error logs may contain limited request or connection information needed to diagnose failures and protect the service.

If you email or write to us, we receive the contact details and message content you choose to provide, together with any information necessary to respond. Please do not include passwords, full card details or unnecessary sensitive information in an email.

3. Why we use information and the legal basis

Technical information is processed to deliver and secure the website and diagnose faults, based on our legitimate interest in operating a reliable and secure company website. Enquiry information is used to answer requests and handle complaints, based on our legitimate interest in communicating with you, steps requested before a contract, or our legal obligations, as appropriate.

Where processing relies on consent, you may withdraw it at any time without affecting processing already lawfully undertaken. We do not use this website for behavioural advertising, automated credit decisions or profiling. We do not send marketing communications merely because you visit or enquire.

4. Cookies and third-party content

This website does not set cookies or use local storage. It does not include analytics, advertising trackers, social-media embeds or third-party font requests. Images, styles and scripts are served locally. No cookie-consent banner is required for this implementation because there are no non-essential cookies to consent to.

Following an external link or opening your email application is a separate action. External destinations may use their own cookies and process personal data under their own policies. This website does not load those services automatically.

5. Recipients and international transfers

Access to information is limited to authorised staff and service providers who need it for hosting, technical support, email handling or responding to an enquiry. Providers acting as processors must be bound by appropriate data-protection obligations. We may disclose information when legally required, to regulators or courts, or where necessary to establish or defend legal claims. We do not sell personal data.

If processing requires a transfer outside the UK or European Economic Area, applicable data-protection safeguards must be used, such as an adequacy decision or approved contractual safeguards. You can request information about the safeguards relevant to your data using the contact details above.

6. Retention and security

Enquiry data is kept only for as long as needed to handle the matter and any applicable legal, regulatory or claims-related retention requirements. Technical error information is retained only as needed for troubleshooting and security. Data no longer needed is deleted or anonymised, subject to lawful retention obligations.

Access controls and appropriate technical and organisational measures must be used to protect personal data. No internet or email transmission can be guaranteed completely secure. Do not send sensitive transaction documentation through this company website or unsolicited email; use the provider’s designated secure channel.

7. Your rights

Subject to applicable law, you may request access to your personal data, correction, erasure, restriction of processing and data portability. You may object to processing based on legitimate interests and withdraw consent where it is the legal basis. Legal retention obligations or other lawful exceptions may limit a request; we will explain any applicable limitation.

Contact [email protected] or write to our registered office, identifying the request and providing enough information to locate the relevant data. We may need proportionate evidence of identity before disclosing information. We respond within the statutory period, normally one month, and will explain any lawful extension.

You may complain to the UK Information Commissioner’s Office, the Spanish Agencia Española de Protección de Datos for relevant Spanish processing, or your competent local data-protection authority.

8. Data used for transactions

When you separately use a money-transfer or mobile top-up service, the relevant provider may process identity and contact information, recipient details, payment and bank information, transaction history, and verification documents. Purposes include performing the contract, customer support, preventing fraud, verifying identity and fulfilling anti-money-laundering and regulatory obligations. Relevant banks, payment partners, operators, verification providers and authorities may receive information as permitted or required by law.

Those services have additional data requirements and retention duties. Review the privacy information supplied by the relevant provider before registering or placing an order. No transaction data is collected through this company website.

9. Policy updates

Changes to this website or its processing practices will be reflected in this policy. Adding analytics, forms, cookies or external embeds requires a fresh privacy review and, where applicable, consent controls before those features are enabled.

Website operator

Transpaygo Limited
48 Chancery Lane
London, United Kingdom, WC2A 1JF

Registered in England and Wales.
Companies House registration number: 08936601.
Email: [email protected].

This website provides information about Transpaygo Limited and its services only; it does not accept payment orders.

Financial service provider

The financial service is provided by Mi Envío Entidad de Pago, S.L., a Transpaygo Limited subsidiary, with registered office at Avinguda de Francesc Cambó, 17, 1st floor (08003 - Barcelona).

Mi Envío is registered with the Bank of Spain under reference number 6926, as an authorised financial institution.

Spanish tax identification number: B-67412411.
Barcelona Mercantile Register: volume 46897, folio 161, page B534639, first entry.
Supervisory authority: Banco de España, C/ Alcalá 48, 28014 Madrid, Spain.
Website: www.bde.es.

Contact and legal information

Company and service enquiries: [email protected].

Our General Terms and Conditions and privacy and cookie policy are available on this page. Transactions are concluded separately with the relevant service provider and governed by that provider’s applicable terms and privacy information.