How to build a money transfer app and send money abroad under your own brand

By SendPay Business · 11 September 2026 · Updated 13 September 2026 · 2 min read

Money transfer is the template people ask for most. A community that sends money home, a business paying suppliers abroad, a founder who wants their own version of the transfer apps they already use. Here is how a transfer app works, what your users see, and what you need to run one.

What your users seeWhat you seeRegistration you will usually need

What your users see

They type an amount in pounds and see, before they send, exactly what arrives in euros, dollars or another currency, the rate, and your fee. They add a recipient once and pay them in one tap next time. They get a receipt, and so does the person receiving it.

What you see

Every user, every transfer and what each one earned you, in your own console. You set the fee: a percentage, a fixed amount, or nothing. You choose the corridors you serve.

Registration you will usually need

Running a money transfer service for customers in the UK usually means registering with HMRC as a money service business and having anti-money-laundering controls in place. Identity verification is built into signup on every platform, but the registration is yours. We tell you this in writing before you pay and introduce you to specialists who handle it.

Launching

From £2,500 as a one-off build.

Start with the Send money abroad template.
Name it, brand it, choose your currencies.
Preview the site and the app screens.
Verify, pay, and go live on your domain within 24 hours of confirmation.
Set your fee and invite your first users.

Build it

Create your own financial platform.

Pick a template, name it, brand it, preview every page before you pay. Your brand, your users, your fees.

Build my platform →

Questions people ask

Which countries can my users send to?

Payouts reach 135+ countries through our partners, and you choose which corridors your platform offers.

Can I set different fees per corridor?

Yes. Fees are yours to set in your console.

Do I need HMRC registration before I build?

No. Build and preview first. Registration is needed before you take customer money, and we tell you exactly what applies before you pay.

How do my users get their money out?

They send to a bank account in the destination country, or to another user of your platform. Receipts go to both sides.

How can SendPay Business help me launch a transfer app?

Start with the Send money abroad template, set your corridors and your fee, and preview it. We tell you about the HMRC registration in writing before you pay and introduce a specialist who handles it.