Transfer
Send Money Instantly.Free Transfers to Anyone.
Send to a contact and it arrives instantly, for $0. Pay a bill or move money to another bank from the same place — with the real timeline shown before you confirm.
- $0
- P2P fees
- Instant
- To contacts
- Licensed
- Compliant rails
- Bank
- ACH · Wire · SWIFT
Send to anyone
Your People, One Tap Away.
Send money to friends, family, or anyone else on the platform — instantly, and always for $0 in fees. No account numbers, no routing details, no waiting.
- 01Find them
Username, email, or phone — no account details to type.
- 02Or scan a QR
Split a bill or pay someone back in person, on the spot.
- 03Attach a note
“Rent,” “dinner,” “thank you” — so both sides remember why.
Paying someone back shouldn't take longer than the conversation about what you owe them. Now it doesn't.
$0 fees. Every transfer, every time — no fine print.
Contacts
Add Them Once. Send to Them Forever.
Save the people you send money to most — family, roommates, friends — as contacts, the same way you'd save a phone number. The next time you need to send them money, it's a single tap, not a re-entered account number.
- 01Add
Username, email, or phone — a simple search, not a form.
- 02Pin favorites
The people you send to most, for instant access.
- 03Shared history
Every past transfer with that person, in one place.
Before your first transfer to a new contact, we'll show you their verified name so you can confirm it's really them — because a transfer, once sent, moves instantly and can't be pulled back.
Your closest people deserve a money app that remembers them, not one that makes you start over every time.
External bank
Out Into the Real World, Whenever You Need.
Send funds to any external bank account — yours or someone else's — using ACH, a domestic wire, or international SWIFT, all from the same dashboard used for everything else on the platform.
- ACH
- Typically 1–2 business days
- Domestic wire
- Typically same business day
- International SWIFT
- Typically 1–3 business days
Local bank rails. Not instant.
If sent before the cutoff.
Depends on destination and receiving bank.
Sending to a person on the platform is instant because it never leaves the platform. Sending to an external bank moves at the speed of the banking network it travels through — we don't slow it down, and we won't pretend it's faster than it is.
P2P and internal transfers are $0. Any network or correspondent cost on an external rail is shown before you confirm.
How it works
Three steps. Then it's sent.
- 01
Choose who or where
Pick a saved contact, add a new one, or enter external bank details.
- 02
Enter the amount
Add a note if you want one. Review before you send.
- 03
Send
P2P and internal land immediately. External transfers follow the network — never called instant.
Security & KYC
Checked before it moves.
- Every transfer — P2P or external — runs through bank-grade KYC/AML and fraud-monitoring checks.
- New or unverified contacts get an extra confirmation step before your first transfer to them.
- Led by a team with real experience running traditional financial institutions.
FAQ
Questions about transfers
Yes. Transfers to another person on Fuzopay are $0 every time — no percentage, no minimum, no fine print on P2P.
Instantly. A P2P or internal transfer never leaves the platform, so the balance is available on the other side as soon as you send.
Search by username, email, or phone number and save them. You can pin favorites. After that, sending is one tap.
A completed P2P transfer cannot be pulled back. Before your first send to a new contact, we show their verified name so you can confirm it is them.
ACH typically takes 1–2 business days. A domestic wire is typically same business day. International SWIFT typically takes 1–3 business days, depending on the destination and receiving bank. We do not call external transfers instant.
Yes. First transfers to a new or unverified contact use a lower default limit. Confirmed contacts follow your account limit.
Yes. Send a request to a contact with an amount and a note. When they confirm, the transfer is instant and free.
Open Live Chat and report it immediately. An instant transfer cannot be recalled, but a report helps us freeze further activity and protect other users. Never send to someone you do not know to collect a prize, complete a sale, or unlock an account.
Someone Owes You Money.Go Get It — Or Send It.
Free, instant, and as easy as picking a contact.