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How to Receive

2 ways to receive money

Beneficiary has no bank account and prefers to go to cash pickup center
Cash pickup
See how to
Prefer to send money directly to the beneficiary’s bank account
Bank transfer

How to do cash pickup

arrow Step 1 how-to-cash-pickup-1

Receive notification

After you remit, you will be notified via the Smiles app when the money is ready to be picked up.

arrow Step 2 how-to-cash-pickup-2

Go to pickup location

Beneficiary needs:

  • Reference number*
  • Remit Amount*
  • Remitter’s name*
  • Gov’t issued ID

*Shared by the remitter

arrow Step 3 how-to-cash-pickup-3

Receive money

After your beneficiary receives the money, the status of the transaction on the app will be displayed as “Received”.


Bank transfer reminder

smiles paper clip
  • Check if the beneficiary’s bank account information is correct before sending money through the Smiles app.​
  • Be sure to enter the correct bank account name when you are registering the beneficiary’s name.
  • Please input the correct bank account number (not the card number).
  • Depending on the destination country, it may take some time for the beneficiary’s bank to process the transaction.
  • If you send money on a weekend or a local holiday, the remittance transaction may be processed on the next business day.​


To check the chosen cash pickup location (outlet) of your remittance, please follow the instructions below:

  1. Open the Smiles app
  2. Tap on "History"
  3. Select your transaction
  4. You can find the specific cash pickup location under "Ready for cash pick up"

To find the reference number, please follow the instructions below:

  1. Open the Smiles app
  2. Select “History”
  3. Select the transaction you want to view and the number should be displayed

    You can also check your registered email for the official transaction receipt that has been sent to you.

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