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Go to Dashboard or Mobile Wallet and click Add Funds. Choose a source (bank transfer), enter the amount, and get a reference number. Once the system confirms the deposit, the funds appear in your wallet.
Before you can move funds, we must verify your identity (KYC) under the AML/CTF Act. Click Complete KYC on the dashboard banner and follow the prompts. This typically takes under 5 minutes.
Email and password are managed by your ARM Financial identity provider. Visit the IdP profile page to update them. Changes reflect on ARM Financial after your next sign-in.
We use the mid-market rate plus a small transparent fee shown before you confirm. There is no hidden FX spread - what you see is what you pay.
Most transfers settle within a few hours. Depending on the destination country, banking partner, and compliance checks, it can take up to 48 hours.
If the transfer is still in PENDING state, cancel it from the Pending Transactions page. Once processed and sent to the recipient bank, cancellation is not possible - contact support immediately.
AUD, USD, and EUR. Additional corridors will appear in the wallet picker on the Dashboard as they are launched.
Funds are held in segregated accounts with licensed banking partners. We use bank-grade encryption (TLS 1.3) for all data in transit and AES-256 at rest. Two-factor authentication is strongly recommended.
Immediately click Sign out all devices in Settings > Security, then contact support at support@armf.com. We will freeze your account and investigate within 2 hours.
A small transparent fee is shown on the review screen before you confirm any transfer. There are no monthly account fees or hidden charges.