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Just like sending a WhatsApp message, payments to mobile contacts let you send money to other Nomo users using just their mobile number.

If the recipient sets their account to ‘visible’ you don’t need to enter their number. Once you’ve given permission for Nomo to access your contacts, their name will appear and you can simply tap their name and send money in seconds.

Payments to mobile contacts are perfect for when you want to send money to someone quickly and cheaply, without the hassle of entering all of their bank details. They’re fee-free no matter the locations of the sender and the recipient.

In order to appear as visible to other Nomo users that have your mobile number saved in their phonebook, you need to enable this in your account settings. Here’s what you need to do:

1. Head to your account settings
2. Click on Privacy and security
3. Select Make myself visible to my friends on Nomo

You can also make yourself visible by heading to the Pay a mobile contact section in the Pay & transfer tab in the Nomo app, and following the on-screen instructions.

The two methods detailed above can also be used to make yourself invisible to other Nomo users – simply unselect the option to make yourself visible. Please note that a Nomo user won’t be able to receive payments from a mobile contact if they are set to invisible.

Step 1: Head to the Pay & transfer tab.

Step 2: Choose Pay a mobile contact.

Step 3: Enter the recipient’s mobile number, or select their name from the list of your contacts that have a Nomo account. For this, you will need to give Nomo access to your contacts, and the recipient will need to make their Nomo account ‘visible’ in their account settings.

Step 4: Enter the amount you want to send, and an optional reference for the payment.

Step 5: Confirm the transfer.

From your GBP (£) Current Account, you can make GBP, EUR, USD, AED and EGP transfers.

To do this, go to your GBP (£) Current Account and select Send. You can send GBP, EUR and USD internationally, including to Kuwait. The process is powered by Wise.

You can send AED and EGP to their respective home countries.

At the moment, from your USD ($) Current Account you can only make international transfers to Kuwait. You can do this from your USD ($) Current Account in the app. More countries will be added soon.

It’s free to transfer GBP (£) to another UK account.

For USD ($) transfers to Kuwait we will not charge you, but the receiving bank may deduct a fee from the recipient’s account for the conversion.

For international transfers from your GBP (£) Current Account via Wise, we charge a small fee depending on the currency and amount. This fee will be quoted to you when you select the currency and enter the amount. There are no hidden fees – we apply mid-market exchange rates.

GBP (£) transfers within the UK usually arrive within seconds, but can also take up to two hours.

The time it takes for an international transfer to arrive in the destination account via Wise depends on the currency. You’ll see an estimate when you select the currency and enter the amount. Through Wise’s global networks, we offer one of the fastest international transfer services available.

It takes 2 to 3 business days for an international transfer to arrive in the destination account via SWIFT.

Recipients that you add on your GBP (£) Current Account are stored in the app. When trying to transfer money, you’ll see a list of your existing recipients. You can select the recipient you wish to send money to from this list. At the moment, you cannot edit or delete a recipient but we’re planning to make this possible in the future.

You can’t store recipient details on your USD ($) Current Account so you’ll need to add a recipient each time you make a transfer.

GBP Current Account

You can make transfers in GBP, EUR, USD, AED and EGP. You can send GBP, EUR and USD worldwide, including to Kuwait. You can send AED and EGP to their respective home countries.

USD Current Account

At the moment you can only send USD from your USD Current Account. The conversion to KWD will be done by the receiving bank in Kuwait.

Nomo GBP current account

For international transfers from your GBP Current Account we apply the mid-market rate. It’s the most accurate rate, and we don’t charge any mark-up on it.

Nomo USD current account

We’ll send your USD transfers in USD. If the destination account is not in USD, the receiving bank will convert the amount into the destination currency. The receiving bank has control over the exchange rate applied to your transfer.

Nomo GBP current account

The time it takes for an international transfer to arrive in the destination account via Wise depends on the currency. You’ll see an estimate when you select the currency and enter the amount. Through Wise’s global networks, we offer one of the fastest international transfer services available.

Nomo USD current account

It takes 2 to 3 business days for an international transfer to arrive in the destination account via SWIFT.

Nomo GBP current account

GBP transfers within the UK are processed 24/7.

International transfers from your GBP Current Account are processed immediately, after we receive your instructions from the Nomo app. The receiving bank may also have cut-off times, so it could take more time to arrive. You’ll see an estimate when you select the currency and enter the amount.

Nomo USD current account

The cut-off time for outbound bank transfers from your USD Current Account is 2pm(Monday-Friday). Transfers initiated after 2pm will be processed the next business day. It can take 2 to 3 business days from the processing time for the money to arrive. The receiving bank may also have cut-off times, so it could take more time to arrive.

The cut-off time to process incoming payments to your USD Current Account is 4pm(Monday-Friday). Incoming payments after 4pm will be processed the next business day.

Please double check you have entered the correct BIC / SWIFT code:

• For your Nomo GBP current account: BLMEGB22
• For your Nomo USD current account: BLMEGB2LBB2

 Sometimes the directory of the bank might not be up to date, resulting in the BIC / SWIFT code not being recognised. Please get in touch with the bank you are trying to send money from to resolve the issue.