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ARMF provides international money remittance to eligible customers, primarily Australian residents aged 18 or over, who pass our identity and compliance checks. ARMF is a remittance service only in Australia; we do not offer wallets, payment cards or investment products.
As a registered remittance provider, ARMF must verify your identity before providing services under Australia's AML/CTF laws. You may be asked for your full name, date of birth, address and a government-issued ID, and sometimes for the purpose of a payment or your source of funds. We cannot process a transfer until verification is complete.
No. ARMF is a remittance provider, not a bank or authorised deposit-taking institution, and does not provide stored-value wallets in Australia. When you make a transfer, ARMF may hold your funds temporarily while the transaction is processed. This can include completing identity, sanctions, fraud, and other compliance checks before the funds are paid to your beneficiary.
Your sign-in details are managed by ARMF's secure identity provider. Update them from your profile with that provider; changes take effect the next time you sign in. Keep your credentials confidential and never share one-time codes with anyone.
To send money with ARMF, enter the amount you want to send and select your destination. You can then review the exchange rate, ARMF fee, and the amount your recipient is expected to receive before confirming the transfer. Once you confirm your transfer, ARMF will receive your funds and complete the necessary identity, fraud, sanctions, and compliance checks. Once the transfer is approved, we arrange payment to your beneficiary.
Most transactions through ARMF are completed within seconds or minutes, but transfer times can vary depending on the destination country, receiving bank or payment partner, currency cut-off times, weekends or public holidays, and any additional compliance checks. In some cases, transfers may take one or more business days. If a transaction is selected for sanctions, fraud, or compliance review, we may need additional information before the funds can be released. However, we provide an estimated transfer time and keep you updated on the status of your transfer.
Payments are generally processed using the account details you provide, so please check the recipient's details carefully before confirming your transfer. If you notice an error, contact ARMF support at support@armf.com immediately. If the transfer has not yet been processed or paid out, we may be able to stop or correct it. Once the funds have been paid to the recipient, we cannot guarantee that the money can be recovered.
You can ask us to cancel or change a transfer while it is still pending and has not yet been processed or sent to the recipient. Once a transfer has been paid out it usually cannot be reversed, so contact support@armf.com as soon as possible.
Yes. Transaction and periodic limits may apply based on your verification level, the destination and our compliance requirements. Larger or unusual transfers may require additional information or checks before they can proceed.
ARMF supports international money transfers to more than 76 countries through supported remittance corridors. Available destinations and currencies depend on the transfer route and are shown when you request a quote. We continue to expand our supported destinations and corridors over time.
The exchange rate shown by ARMF is the rate applicable to your transfer and may include a margin or spread over the market rate. Before you confirm your transfer, we show the exchange rate, ARMF fee, and the amount your recipient is expected to receive, so you can review the total cost before sending money.
ARMF may earn revenue through a transfer fee, an exchange-rate margin, or both, depending on the transaction. Any applicable ARMF fees and charges are shown before you confirm your transfer. We aim to keep our pricing clear, with no hidden ARMF fees.
The amount received may sometimes differ from the amount shown in your quote due to charges applied by third-party, intermediary, correspondent, or receiving banks. These charges are outside ARMF's control. Exchange rates may also change between the time a quote is provided and when a transfer is processed. Where third-party charges are known or reasonably foreseeable, we aim to make this information clear before you complete your transfer.
ARMF uses security and compliance measures to help protect your transactions and personal information. These include AML/CTF controls, sanctions screening, fraud monitoring, encryption, access controls, and transaction monitoring. As a remittance provider, ARMF only holds customer funds temporarily as required to complete an instructed transfer. For more information about how we collect, use, and protect your personal information, please see our Privacy Policy.
If you believe you have been scammed or notice suspicious activity, contact ARMF immediately at support@armf.com and do not make any further payments. Never send money to someone who is pressuring you to act quickly or promising guaranteed returns. If you believe your account or transaction may be at risk, contact us as soon as possible so we can review the situation. ARMF handles reported fraud and scam concerns in accordance with its Fraud, Scam & Authorised Payment Reimbursement Policy.
No. ARMF provides money remittance services only and does not provide financial product, investment, or tax advice. Information shown through the ARMF service, including exchange rates and transfer information, is provided to help you complete your transaction and should not be considered a financial or investment recommendation.
If you have a complaint about our service, please contact us first at support@armf.com or +61 3 8679 2233. We will review your concerns and work to resolve your complaint fairly and as quickly as possible. If you are not satisfied with our response, you may be able to refer your complaint to the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution scheme of which ARMF is a member.
Some transactions may be selected for additional checks as part of our fraud prevention, sanctions screening, or AML/CTF processes. If this happens, the transfer may be placed on hold while our compliance team reviews the transaction. We will not move the funds to the recipient until the required checks have been completed. If the review is cleared, the transfer can continue. If the transaction cannot proceed, the funds may be returned where applicable.