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Services We Offer

LemFi provides international money transfers, multi-currency wallets, and currency conversion, designed for users in Australia, Canada, Europe, the UK and the US, to send money to over 30 countries in

How much can I send?

LemFi transfer limits vary by user, currency, and destination country, and you may need to check your personalized limits directly in the app under "Account information" on the homepage. While specifi

Can I send money to another LemFi user?

Yes, you can instantly send money to another LemFi user for free using the Peer-to-Peer (P2P) feature in the app. This allows you to transfer funds directly between wallets (e.g., USD to USD, GBP to G

How do I send money?

Sending money is quick and straightforward — you can transfer money to various locations within Africa, Asia, Europe, and South America in two ways: Sending from a funded wallet (for the U.K., U.S., a

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What exchange rate will I get?

LemFi offers competitive, real-time exchange rates, often with zero transfer fees for many currencies, though these vary by currency and change throughout the day. Rates are not fixed, so it is essent

Where can I send money?

You can send money to a range of countries supported by the app. LemFi allows users in Canada, Europe, the UK, and the USA to send money to various countries in Africa, Asia, and other regions, with f

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How do I add money to my Global account?

You can add money to your Global Account using bank transfers. What this meansYou can fund your account by adding money to your currency wallets (such as GBP or USD). What you should do Open the app S

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How To Contact Customer Support

You can contact support through any of our supported channels, via the app or by email. Our support team is available 24/7 to help with any issues.You can contact us through any of the following means

What are the minimum and maximum funding limits?

There are limits on how much you can add to your account. What this meansYour limits may depend on: your verification level your location regulatory requirements What you should doCheck your limits in

Understanding Wallets

As a LemFi user, a wallet enables you to receive and hold money in your LemFi account. Depending on your sign-up region, a wallet in the currency of your registration country may be assigned to you up

Opening Multi-Currency Wallets

Users within the United Kingdom, United States, or Canada can open additional currency wallets asides those in the currency of the sign-up countries (GBP, USD or CAD). To do this: Log into the LemFi a

How do I add money?

Adding money to your LemFi wallet is quick and straightforward. What this meansYou can add funds to your wallet using supported payment methods available in your country. LemFi does not accept credit

Add money from Kenya

What this meansThis means you request money via the mobile money option from your contacts in Kenya.What you should doOpen the app and select "Add money” under the KES wallet Select "Add with mobile m

Add money from the US

You can add money to your account using supported US payment methods.What this meansFunding options may include debit cards, Apple Pay, or Google Pay, depending on availability. What you should doOpen

Add money from Nigeria

You can add money to your account from Nigeria using the bank transfer method.What this meansThis means you transfer money to the displayed account details on the app from a Nigerian bank account.What

Add money from Canada

You can fund your account from Canada using Interac, Apple Pay, or Google Pay. What this meansCanadian customers have multiple options to fund their CAD wallets. Funding via Interac Autodeposit Fundin

Add money from the UK

Adding money from the UK is simple, and we support multiple payment methods. What this meansYou can fund your account using payment methods available in the UK, such as debit cards, instant bank trans

My transfer is still "In Progress"

If your transfer is showing as in progress, it means it’s still being handled — this is usually normal. What “In Progress” meansYour transfer is: being reviewed sent through payment partners or waitin

My recipient hasn’t received the money

If your recipient hasn’t received the money, the first step is to check the status of your transfer on the app.Step 1: Check the statusYou can check your transaction status by logging in to your LemFi

Where is my money/transfer?

We know it’s important to know where your money is. You can easily check the status of your transfer in the app.How to track your transfer Open the app Go to Transactions Select the transfer You’ll se

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How Do I Report Fraud or unauthorised activity?

If you notice suspicious activity or an unauthorised transaction or believe your account has been compromised, take action immediately to secure your funds.Our specialised fraud prevention team is ava

I think I’ve been scammed

If you suspect that you have been scammed using the LemFi app, change your password immediately and contact LemFi customer support via in-app chat or email. Report the fraud to your bank. What this me

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How to keep my account safe

Keeping your account secure helps protect your money and personal information. What this meansThe security of your information is important and of utmost essence to us. As a valued user, we are commit

What is Authorized Push Payment (APP) Fraud?

Authorized Push Payment (APP) Fraud can be described as a scenario where fraudsters trick an individual into transferring money to an account controlled by the fraudster. Such scammers may pretend to

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Protecting Yourself From APP Fraud

To enable you to remain secure from APP fraud, please ensure the points below: Conduct basic checks while sending money to a recipient, in order to ensure s/he is the intended receiver If you purchase

Why didn’t I receive my bonus?

If you didn’t receive your referral bonus, some steps may still be incomplete.You likely didn't receive your LemFi bonus because the referral requirements weren't fully met: the invitee must verify th

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Benefits of LemFi Global Accounts

As a Nigerian resident, you have access to the following features on the LemFi global account:1. Hold Multiple CurrenciesOpen separate wallets for U.S. dollar (USD), and British pound (GBP) and keep m

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Where can I send money from my Global Account?

You can send money from a LemFi Global Account (GBP/USD wallets) to over 30 countries across Africa, Asia, Europe, and South America, as well as between your currency wallets. Key destinations include

Is There A Fee On Deposits Into My Global Account?

LemFI does not charge fees on deposits paid into Global account through available payment methods.

Downloading A Global Account Statement

Download the account statement of your available currency wallet(s) using these steps: Log into the LemFi app and choose the desired currency wallet (GBP, USD, NGN) on the home page Click the "More" b

How do I view my account details on my Global account?

You can view your account details anytime in the app to receive money. What this meansEach currency wallet (such as GBP or USD) has its own account details that you can share to receive funds. What yo

What are the Global account limits?

LemFi global account limits, often referred to as transaction limits or transfer limits, vary based on user verification, currency, and destination. What this meansLimits may apply to: How much you ca

Opening a New Currency Wallet

To open a currency wallet on your Global account, simply: Log into the LemFi app Select "Add money" or the "+" button as seen on the Home Page Click "Add New Currency Account" and choose from availabl

How do I verify my Global account?

You’ll need to complete identity verification to use your Global Account. What this meansVerification ensures your account is secure and meets regulatory requirements. What you should doTo verify your

How do I open a Global account?

Setting up a Global Account is quick if you meet the requirements: download the LemFi app (Android 6.0+/iOS 14.0+), select your country, and register with your legal details. What this meansThe Global

What is a global account?

LemFi Global Account is a multi-currency account primarily for African residents (notably in Nigeria) to receive, hold, and send money in GBP, USD, and other currencies. It enables freelancers and pro

How to download your savings account statement

You can download your LemFi savings statement directly from the app.What this meansLemFi makes your savings account statements available in the app for easy access at any time. This document reflects

Do I pay tax on interest?

Yes, you may have to pay tax on interest earned from a LemFi savings account. Interest is paid "gross" (without tax deducted), meaning you are responsible for reporting any interest that exceeds your

What is the FSCS?

The U.K. Financial Services Compensation Scheme (FSCS) is an independent body that compensates authorized financial services firms’ users up to its compensation limit of £120,000 per person in the eve

How are my savings funds protected?

The UK's Financial Services Compensation Scheme (FSCS) protects savings accounts up to £120,000 per person. Because these accounts are powered by ClearBank Limited, a regulated UK financial institutio

Why is my withdrawal pending?

Withdrawals from a LemFi savings account typically take 2-3 hours to arrive in the main account but may show as "pending" or "in progress" for longer due to manual reviews for regulatory compliance, s

Are There Any Minimum or Maximum Deposit Limits?

You can save as little as £1 and as much as £250,000 on your Savings account. Note that deposits into this account occur through your LemFi currency account, which has its own transaction limits that

What is a Tracker Rate?

LemFi Savings offers a tracker rate, which means your interest rate automatically follows the Bank of England Base Rate.If the BoE raises rates, your savings rate goes up automatically.If the BoE cuts

How is interest calculated?

The Instant Access Savings Account offers a competitive 3.92% AER (variable) tracker rate, paid monthly, with no monthly maintenance fees or penalties. The account is secured by ClearBank, with eligib

Add or withdraw money

You can add to or withdraw from your savings account at any time. What this meansYou can move funds between the following: your LemFi wallet your savings account Funds must be transferred through your

Who can open a savings account?

Individuals aged 18 or older residing in the United Kingdom can open a LemFi Instant Access Savings account if they have a valid ID. This account, powered by ClearBank and specifically for UK resident

What is a LemFi Savings Account?

The LemFi Instant Access Savings account is an instant-access savings account available exclusively in the United Kingdom with no fees. The interest offered tracks the Bank of England base rate.Your e

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How does the referral program work?

LemFi's referral programme allows existing users in Australia, Canada, Europe, the UK, and the US to earn bonuses by inviting friends to sign up and make a first-time transfer. The referrer receives a

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How do I track referrals?

To track referrals in the LemFi app, navigate to the Referral section in the top-right corner of the homepage, then click the “Track Your Invites” button. This tab displays your referred users and the

How much do I earn as referral bonus?

You will earn 50 AUD, 50 CAD, 50 EUR, 50 GBP, or 20 USD as a LemFi user registered in Australia, Canada, Europe, the United Kingdom, or the United States every time an invitee downloads the app; uses

Where Will My Referral Bonus Be Paid To?

All referral earnings are paid into your LemFi Cash account (except United States users) when an individual downloads the LemFi app, signs up with your referral code or link, verifies his/her account,

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Can I Track My Invitees’ Qualifying Transactions?

In line with our privacy policy, referrers are not able to access any referees’ transaction details. This is to ensure confidentiality of each customer’s account and maintain safety of every user’s in

How do I track my points?

You can view your points and rewards in your rewards wallet. What this meansYour rewards wallet shows: total points earned history of rewards points from transfers and referrals What you should doTo v

Why didn’t I receive points?

If you didn’t receive points, your transaction might be ineligible. What this meansPoints may not be awarded if: the transfer does not meet the minimum amount the destination is not eligible the trans

What Happens If I Use Points on a Transaction That Becomes Unsuccessful?

If your transaction is cancelled, the points applied on the specific transfer will be returned to your LemFi account. However, rewards displayed on the app before the final stage of the transaction wi

How do I use my points?

Your accumulated points serve as a discount and allow you to save on international transfers. To use these points, the minimum value must amount to 1 GBP/CAD/USD. This means that rewards less than 1 G

How To View Points Paid to My Account

To view rewards paid to your LemFi account, simply log into the app and select the “Rewards wallet” icon on the home page — the history of rewards paid for your transactions and those of your invitees

When Will Points Be Remitted To My Account?

If you conduct a qualifying transaction of at least 50 GBP/CAD/USD from your LemFi account to applicable countries, the rewards will be paid as soon as the transfer is successfully completed.However,

How Are Points Calculated?

Points are system-generated and depend on the value of an intended qualifying transaction as well as the country where the recipient account is in.However, point(s) to be earned per qualifying transfe

How do I earn Reward points?

You can earn LemFi reward points by making international money transfers of at least 50 CAD, 50 GBP or 50 USD. Points are accumulated for future transfers, with a redemption value of 100 points = $1,

What Are LemFi Rewards?

LemFi Reward Program allows you to earn points on qualifying transfers from eligible regions to specific beneficiary countries. These rewards, also known as points, can then be stored in your account

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Why can’t I create an account?

If you’re unable to create an account, there may be a few common reasons. It could be unverified documents, unsupported regions, or device incompatibility. Key requirements include being 18+, having a

How do I sign up?

To sign up for LemFi, you must download the official app and complete the registration process using a valid identity document. What this means You must be at least 18 years old and reside in Australi

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What is LemFi?

LemFi is a financial app that helps you send, receive, and manage money across countries. LemFi enables international money transfers from Australia, Canada, the United Kingdom, the United States, and

Wellness & Bereavement Support (Supporting You During Challenging Moments)

We understand that certain situations may affect one’s finances and the manner in which a customer engages with the app. Such moments could cause him/her to feel vulnerable — either emotionally, menta

Contact LemFi in Vulnerable Situations

While we note that a user may feel reluctant to share concerns in vulnerable situations, LemFI offers various means of communication, thus allowing a range of 24/7 support in these moments. The follow

Support for Vulnerable Customers

A vulnerable customer is someone who, due to circumstances such as age, disability, illness, financial hardship, or major life events, may require additional support to manage his/her finances effecti

My transfer failed

If your transfer fails, don’t worry — your money is safe. Sometimes transfers fail due to different factors.Why transfers failSuch failures can happen due to: The transfer is being initiated outside l