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Frequently Asked Questions

General
What is Fin.do?
Fin.do is a mobile app, which allows making instant and easy card to card money transfers. It is not an e-wallet, i.e. Fin.do does not hold money to be transferred at any point in time. Just link your existing MasterCard® debit, credit or prepaid cards to Fin.do app and make a domestic or an international money transfer in few taps. The exchange rates and fees are fully transparent.
Who can use Fin.do?
Fin.do was created to allow instant card to card transfers globally, and we’re working hard to do just that. Currently, Fin.do services cover cards (MasterCard® only, Visa cards will be supported soon) issued in Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom, Switzerland, Turkey, Ukraine, Russia, Kazakhstan, Georgia and Israel.
How long does it take?
Most of the transactions are instant. In some rare cases it may take up to 2-3 days, depending on the issuer of the receiver’s payment card.
How is it different from other applications?
First of all, Fin.do makes the international money transfer a matter of a few taps. No need to top up to or withdraw money from your Fin.do account. Fin.do does not hold your funds at any point in time, which makes the process safe and quick with its intuitive and unique user experience. Fin.do prevents you from paying extra by avoiding double currency conversion that your card issuer might apply while using other services. The fees are transparent and clear, allowing the sender and the receiver to see exactly the amount sent and received. There are no hidden or extra fees with Fin.do.
Is it available on my device?
Since September 2018, Fin.do app is available for both iOS- and Android-based smartphones.
Basics
What do I need to create a Fin.do account?
To create a Fin.do account, you need a smartphone (iOS version: 10.1 and up; Android version: 4.1 and up), an active SIM of any country, and an email. The registration process is easy and intuitive. The application will guide you through the process. You will need to confirm your phone number and email and to create a 4-digit password or activate Touch ID.
Can I create a business account?
Unfortunately, the current version of Fin.do app does not support commercial money transfers. All Fin.do accounts are private accounts.
What if I misspelled my name?
If you have misspelled your full name in Fin.do app and cannot pass identity verification because of that, you can edit your name in the profile (Settings -> Account) at any moment. If you have already passed identity verification but need to change the spelling of your name, please contact Fin.do Customer Support and explain your reasons.
How to add a card?
Add a debit, credit or prepaid card to Fin.do app account by going to Transactions or My Cards -> Add Card. You can either scan your card or enter the data manually. An amount of €1 or below will be charged and immediately refunded to verify the card (in some cases the refunding will take up to 2 days, depending on the issuing bank of the card). The first verified card from the added will be the default card for sending and receiving transactions. You can change the priorities of the cards in My Cards of the app. The type of card (sending, receiving or both) will be determined automatically by our system.
How to manage cards?
You can add up to 5 cards to Fin.do app which are divided into two main categories: cards for sending money; cards for receiving transfers. Unfortunately, not all the cards will be approved for receiving transactions. For each category of cards, there is a default card. Use features for managing cards via “My Cards” screen to change the priorities of the default card manually, anytime while using the application.
Can I browse the history of my transactions?
Yes, you can access the full history of your incoming and outgoing transactions via Transactions.
How can I transfer money?
In order to transfer money via Fin.do, you need to have a Fin.do account and at least one added card which has been successfully verified. Choose a card to send from and a contact person from your contact list, then you will see the currency of the recipient’s card, which allows you to see exactly how much the recipient receives, including the Fin.do fee and the currency exchange.
How can I cancel a transaction?
The transactions between the users are irreversible. However, you can request the money back from the recipient whose phone number is already on your contact list and explain the reason for the cancellation.
Are there any usage limitations?
Initially, you can transfer up to €1,000 per month or equivalent in other currency from each card added. When your account is verified, your limits will be up to €5,000 per months or equivalent in other currency for each card added. Other limits that are applied belong to the card issuer’s policy exclusively. We recommend checking your card issuer limits to make sure they are not lower than Fin.do app’s limits. The company has a right to apply other limits, which will vary across currencies, amounts and types of card (prepaid, debit or credit cards). If you’re under or over any of our limits, we’ll let you know with an error message displayed on the screen.
Whom can I transfer money to?
To send and receive money with Fin.do, both sender and recipient have to install Fin.do app and add cards. If you send money to a recipient who doesn’t have the app, the recipient will receive a text message that includes a link where they can download and install Fin.do app and add a card to receive transaction.
Can I transfer money between my cards?
You can easily transfer money between your own cards in the same way as you do transfers to other Fin.do users. You will need to choose “To myself” for the recipient and then choose from the list of your cards.
Currency Exchange
What currencies do you support?
Fin.do supports all the tradable currencies (around 170 currencies).
What about currency exchange?
We eliminate your banks’ high charges with our super low FX rates. You can send money in any currency you need, the exchange rates are fully transparent and can be seen before you proceed with a transaction. The currency exchange rate provided is a guaranteed rate at the transaction, which means you know exactly how much the recipient gets.
Identity Verification (Coming Soon)
Why do I need to verify my identity?
In order to increase the limits of the transaction, you will have to go through the identity verification. For this reason, when creating an account on Fin.do app, please use your real full name, address, and an email so that we can easily reach you.
How can I verify my identity?
You will be required to verify your identity once you make transaction above the allowed limits of the app, according to to the following steps: 1) fill in your profile; 2) scan an id document; 3) take a selfie.
Fees & Rates
What are the fees for using Fin.do?
Fin.do does not have any hidden fees or regular charges. The fees arising during money transfer vary depending on the region and amount. There are no hidden fees, and both sender and recipient have full transparency regarding the amount charged and received. Before approving the transaction, you can always see the fees, the exchange rate if applicable and the exact amount that the recipient gets. No Surprises!
Are there any other fees involved?
All the fees displayed by the app to the User are the only fees charged by Fin.do for the Service. Fin.do is not liable for any other additional fees applied by the issuing Bank, and those will not be displayed on the Fin.do app.
Security
How do I know Fin.do is safe?

Fin.do is an IT company, not a bank or an e-wallet. You are not sending money to our account, at no point in time Fin.do holds your funds. Transactions are made directly from sender to receiver.

1. We only show your phone number to people who are already on your contact list.
2. We will pass all the information on the payment card(s) collected on the Fin.do app to the licensed payment service provider, which will save and process such data using PCI DSS standards.
3. The Company will retain and store only partial payment card number (only first 4 or 6 digits and last 4 digits) as well as the expiration date of the payment card.
4. We have a proprietary internal algorithmic tool that monitors against fraud and keeps users accounts safe. The process of adding payment card(s) to the Fin.do app and execution of the money transaction in some cases will require verification of the payment cards by the 3DS protocol in the manner generally applied by the issuing bank.
5. We also take security measures within the app. We make sure that each user’s phone number is unique and request a verification code via text message. The user has to provide the verification code each time they log back into their account.
6. The user has to enter CVV/CVC code every time he/she makes a transaction.

What about my privacy?
Fin.do appreciates that users trust us to manage their financial transactions and history as well as to store their personal data. Fin.do does not sell or disclose personal and sensitive user data to any third parties without the user’s permission. Besides, Fin.do uses the latest technologies to encrypt the personal data stored. The financial data is not stored at all. According to the PCI compliance, Fin.do server receives already decoded card data and uses it during money transfer only. Card data is stored by using PCI DSS standards. Thus, Fin.do does not even know your credit/debit/prepaid card data as it can be seen on your cell phone only and it is stored in encrypted format.
Troubleshooting & Support
Why I cannot add card or make money transfer from the card?
The most common reason for an unsuccessful process of adding a card or making money transfer is that your bank (issuer of the card) has declined it. This means they have sent a 'Do Not Honour' response to Fin.do. It's normal for them to stop such transactions since they might perceive it to be a new and unknown recipient. The best way to resolve this is to contact your bank (issuer of the card) and let them know that this transaction was made by you and Fin.do is a trusted service provider. Once they've confirmed this, your next attempt should be successful.
What is 3D verification?
In some cases, due to the security settings of your card, you will be required to complete 3D Secure authentication while adding a card or when making money transfer.
Insufficient Funds or other limits?
Your bank might also stop your card payment if there isn't enough money in your account or if you have a per-transaction limit or online payments. Though card limits vary from card to card and from bank to bank, per-transaction limits in many southern European countries (France especially) can be as low as €200-€300. Other banks may treat card payments as cash withdrawals, meaning your cash withdrawal limit will apply. To find out more or to adjust your limits, please get in touch with your bank and try again.
How to turn on/off Fin.do notifications?
Notifications are essential for your experience while using Fin.do app; thus, we strongly recommend not to turn them off. To change your notification settings, you can refer to the standard notification settings of your device.
How can I change my user data?
If you have not verified your account yet, you can edit your personal details in the Settings -> Account of the app. However, you will not be able to edit your name or any other personal details after ID verification. Please contact support if you wish to change any of this information. Please note that you might need to verify yourself again. Supporting more than one phone number and email for the same user/account is planned for the future releases of the Fin.do application.
What if I lose my phone?
Contact Support immediately to block your account. Once you are ready to use the app again from the same or new device, please send a new request via Fin.do Support to unblock your account.
Can I enter from more than one device?
Yes. When entering from other devices, you will receive notification about it. In case if you suspect that someone else entered your account from other devices, follow the notification sent to change the password to eliminate any suspicious activities in your account.
How can I contact Fin.do support?
Feel free to contact Fin.do support team either by going to Settings -> Help -> Contact Customer Support directly in the application on your device or via support page on our website.