Customer Service: +44 (0) 20 7252 5950 info@inara.co.uk

FAQs

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Why should I choose INARA instead of my bank?

With Inara you save you money by using our experience, market knowledge and focus to get you the most competitive exchange rates around.

We offer a one to one advise to understand your requirements, which helps us suggest the best solutions because we know money transfers can be complicated sometimes BUT our team are always on hand to guide you every step of the way.

How do I know my money is safe with INARA?

Inara have been in business for over 16 years and helped over 30,000 clients make transactions each year. This says a lot about our reputation and reliability.

We are authorised and regulated, by the Financial Conduct Authority (FCA), firm number 572188, as a Payment Institution (API), as required under the payment services regulation 2009. We are also registered with HMRC as a Money Services Business, registration number 12115403. Inara-Transfers Ltd. is registered in England and Wales, Company Registration number 3786396, incorporated in 1999.

How do I set up an INARA account, and how long will it take?

We know time is money, therefore, we always like to save you time as well as money.

Opening an Account with us takes just a few minutes.

You can register ONLINE or face to face at one of our branches.

There is no obligation to make a transaction with us if you open an account, but if you do it now means you won’t have to wait at all when the time comes to send some money.

List of Approved Documents when registering or updating

ID – Identification (one of the following) – *others may be considered subject to management approval

• Current signed passport
• EEA national identity card
• Full UK driving License
• UK provisional driving License

POA – Proof of Address (one of the following) – *others may be considered subject to management approval

• Utility bill (no older than 3 months)
• Bank, building society or credit card statement.
• Driving license (if not used as proof of ID).
• Council tax bill/mortgage statement

SOF – Source of Funds – *One or more of the following, depending on how large the transaction is

• Bank statements MUST show the funds transferred to INARA with the amount agreed (you must print or save your statements once the transfer of the funds have been done)
• Savings or Pension – Pay Slips for at least the last 3 months (could be up to 12 months depending on how large amount is)
• Loan – Loan Letter Agreement
• Re-mortgage – Loan Letter Agreement
• Sale of Property or Goods – completion statement, sale of goods invoice, Insurance Claim letter, etc.)
• Lottery winnings – Certificate of winning
• Policy Documents – (ISA, investments, others)

* Every transaction is different and the documents may vary depending on the Source of funds, if yours isn’t listed contact us to discuss your options. We are highly experienced with this kind of transactions.

How much money can I transfer?

You can send from as little as £20 up to any amount with no limits or restrictions. Terms and conditions apply.

How long would it take for the money to arrive?

Inara offers a single option “FAST & SECURE” to transfer unlike other companies.

Delivery time: from 2 hours up to 24 hours*

*Delivery times are measured in working days and may vary depending on the currency, destination and banks. VENEZUELA may take 2 to 5 working days.

Payment Methods

At our branches: Cash & Debit Card

Over the phone: Debit Card or Secure Link (Secure Trading)

How does Secure Trading Works? (Paying with your Debit Card over the phone or secure link)

Our New Payment System – How does it works?

Our New Payment System is an Online Platform and has 2 methods of payment and both work in a very similar way.

1st Method: Pay Your Transaction over the Phone with your Debit Card (Most Common-one)

STEP 1 – Contact our call centre on 020 7252 5950

STEP 2 – Provide the details of your transaction
During the call we will ask you for your name and date of birth to identify you (security purposes)
We will also, ask you about the details of your transaction
• Country you are sending
• Receiver Details (varies for every country)
• Amount to send/ receive

STEP 3 – Make the Payment

We will ask you for your card details to process the payment into our secure payment platform
• Name as it appears on your card
• Current address where the card is registered
• The 16 digits of your card
• Expiry Date of your card
• Security Code
Your card details can be stored on our system for future payments if you agree with it. This will minimize the time of your call the next time you make the payment with the same card. For us to collect a future payment we will need to re-enter the following: (to prevent fraudulent transactions).
• Last 4 digits of your card
• Expiry date
• Security Code

2nd Method: Pay Your Transaction Using Our Secure LINK (ST PayMe)

STEP 1 & STEP 2 – Same as 1st Method

STEP 3 – Make the Payment

We will send you our Secure Link (ST PayMe) to make the Payment over to your email. You will need to enter the following information:
• Name as it appears on your card
• Current address where the card is registered
• The 16 digits of your card
• Expiry Date of your card
• Security Code

Please make sure your name and the correct amount is shown at the time of entering the information of your card.

How secure is your payment method over the Phone or Secure Link?

Inara takes very serious the security of your information and have studied a lot of companies in the market who offers this service and have developed a business relationship with Secure Trading to offer you this service and at the same time give you a peace of mind when using your card over the phone or through our secure link to make the payments with us. Below there are some of the security measures are in place:

SSL & Encryption
All personal information that you enter via our link or over the phone are private and secure. We encrypt any personal information you have entered using SSL Security before transmitting over the Internet to our servers. Hence, all the data that you send through, including your name, address & card details, is encrypted using 128-bit SSL technology and, in the extremely unlikely event that the data should be intercepted, it would be extremely difficult to decipher.

Encryption works by scrambling words and numbers before they travel across the Internet so they can’t be read or altered. Every time you enter an area of the site that carries or requires sensitive information such as your credit card details, the Internet Address you are visiting will change to “https:” and an icon resembling a padlock will appear somewhere your browser window. These combined events are an indication that the site is secure.

Credit/Debit Cards
It’s safe to use credit/debit cards with us. We check the authenticity of the credit card details and we encrypt all the details and only use them to send the transaction to our card processing company, Secure Trading. The card details are not shared with any staff or third party companies. Always remember that, as a precaution, you should never send credit/debit card details via standard email as this is not secure. In the unlikely event of unauthorized card use, please be sure to contact your card issuer immediately as per your contractual arrangement with them. Provided you have informed your card issuer promptly of any unauthorized use, loss or theft, most card issuers either completely cover the charges that result or will significantly limit your liability.

Firewalls
We employ firewalls in front of our servers. A firewall is a combination of hardware and software deployed to control the information that can pass from the Internet into our internal systems and servers. Firewalls enforce a set of rules intended to bar intruders gaining access to services on our servers.

Monitoring
We monitor our systems for evidence of attempted break-ins.

Automatic session logout
We will automatically log you out of your secure link after your session has been inactive for 15 minutes. The automatic logout is intended to protect your account information from passers by if you leave your computer unattended. Once logged out, you will need to re-open the link to proceed.

CSC Code Re-entry over the phone
Even though your basic card details are stored securely if you choose to do so, we will require to obtain the following details of your card:
• Last 4 digits of your card
• Expiry date
• Security Code
This adds another level of security to your transaction.

What details from the receiver side do I need?

Pick Up Transactions

• Full name as it appears on their ID
• Telephone Number – Landline and/ or Mobile No.
• Country
• City
• ID Number*
• CPF*
• Address*

Bank Deposit Transactions

• Full name as it appears on their ID
• Telephone Number – Landline and/ or Mobile No.
• Country
• City
• ID Number*
• CPF*
• Bank Name
• Account Number
• IBAN and SWIFT*
• Routing, ABA*

*Beneficiary details varies from country to country please check with us before you make the transaction.

Inara-Transfers Ltd.

Is authorised and regulated, by the Financial Conduct Authority (FCA), firm number 572188, as a Payment Institution (API), as required under the payment services regulation 2009.  We are also registered with HMRC as a Money Services Business, registration number 12115403.  Inara-Transfers Ltd. is registered in England and Wales, Company Registration number 3786396, incorporated in 1999.

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