With the Huru app you can send money from the UAE to people abroad. Huru Payment Services Provider L.L.C. ("Huru") is licensed by the Central Bank of the UAE to provide stored value and retail payment services. Huru runs the app and receives your payment. To process and pay out your transfer, we use the services of exchange houses or money transfer operators licensed by the Central Bank of the UAE. Your receipt shows which one handled your transfer.
Please read this statement before your first transfer. It sets out the main features, costs and risks. It also highlights the consequences of failing to comply with Huru’s Terms of Use, including any applicable restrictions or limitations on your account or transactions. These requirements apply throughout your relationship with Huru. The full terms are in the Huru Terms of Use.
Service features
| Feature | Details |
|---|---|
| What you can do | Send money abroad from the Huru app on the supported list of corridors. Before you confirm, you see the exchange rate, the fee, the total you pay and the exact amount your recipient gets. Track every transfer in the app. |
| Who can use it | UAE residents aged 18 or over with a valid Emirates ID, who have completed Huru's identity checks. You must send your own money, on your own behalf. |
| Where you can send | You can send to bank accounts, mobile wallet services or cash pickup based on the corridor. The supported countries and currencies open to you are shown in the app. |
| How much you can send | From AED 10 up to AED 1,000,000 per transfer, depending on how you pay and your approved limits. |
| Exchange rate | The applicable exchange rate for remittance outside the UAE to any supported region is shown based on the corridor, total amount to be sent and the payout method in the destination country. |
| Delivery | Varies by country, payout option and partner. The anticipated arrival time is shown before you confirm the transaction. |
How you pay for a transfer
The app shows which payment options are open to you.
| Payment option | How it works |
|---|---|
| From your Huru Money balance | The transfer amount and fee are taken from your Huru Money Account when you confirm. |
| By bank transfer from your own UAE bank account | Register one or more UAE bank accounts in your own name in the app. Then send money from a registered account to the Huru IBAN shown in the app. Once it arrives, you can use it for transfers. |
If your profile and limits permit you may pay by bank transfer:
- Only money from a bank account registered to you in the app is accepted. Money from any other account is returned to where it came from.
- Huru does not hold this money as a stored balance or wallet. It is held only to carry out your transfer.
- Money you do not use for a transfer is sent back to the account it came from within 24 hours of reaching us, free of charge.
- Refunds and returns go only to your primary registered account.
Key fees
All fees are in AED and include VAT. The exact fee for your transfer is shown before you confirm.
| Fee item | Amount |
|---|---|
| Transfer fee | AED 0 to AED 20 per transfer, depending on the country, currency, payout option and amount |
| Paying by bank transfer into Huru | Free from Huru. Your own bank may charge you for sending it. |
| Returning unused money to your bank account | Free |
| Cancelling a transfer before it is paid out | Free. We may introduce a fee in future, with at least 60 days' notice. |
| Charges by the recipient's bank or other banks in the payment chain | Not charged by Huru. Some banks abroad deduct a fee from the amount received. |
The exchange rate is not a fee, but it includes our margin. Compare the amount your recipient gets, not only the fee.
Exchange rate
Your quote shows the exchange rate, the fee, the total you pay and the amount your recipient gets. That rate quoted is honored till the remittance is completed.
Limits
| Paying from | Per transfer | Daily and monthly |
|---|---|---|
| Huru Money balance | AED 15,000 | AED 30,000 |
| Bank transfer from your registered account | AED 1,000,000 | No daily or monthly limit |
The minimum transfer is AED 10. We or our partners may set a lower limit for you, or for a country, based on your profile and regulatory rules. Your limit is shown in the app before you confirm.
Delivery times
Delivery time varies by country, payout option (bank account or mobile wallet), the partner handling your transfer and the receiving bank. The expected arrival time for your transfer is shown before you confirm. It can take longer because of bank cut-off times, weekends or public holidays in either country, or routine checks by us, our partners or the receiving bank.
Cancellations and refunds
- Cancelling: You can ask to cancel through Live Chat in the app or at help@huru.co, only before your transfer is paid out. Once paid out, it can be reversed only if the recipient's bank agrees and returns the money.
- Where refunds go: Back to how you paid: your Huru Money balance, or your primary registered bank account.
- How much comes back: The returned amount is converted back to AED at the rate on your transfer. Charges deducted by other banks may not be refunded.
- Transfer fee: Refunded if the transfer fails for reasons within our or our partners' control. Not refunded if it fails because of wrong recipient details or a closed or inactive recipient account.
- Timing: We refund within 5 business days of the money coming back to us. Transfers already paid out abroad can take longer to come back.
Caution
- Check your recipient's name, account number and bank before you confirm. Transfers are paid to the account number you enter. Wrong details can delay a transfer or send money to the wrong person, and the money may not be recoverable.
- Once you confirm a transfer, you cannot change it.
- Send only your own money, for yourself. Do not send money for anyone else or on their instructions.
- Be careful of scams. Do not send money to someone you have not met in person, or to anyone promising a job, prize, investment or loan.
- Your recipient may receive less than shown if their bank deducts a fee, or converts the money because the account is not in the local currency.
- We or our partners may ask you for information about a transfer, such as its purpose or the source of your money. We may delay, decline or return a transfer if we cannot complete our checks or if it breaks UAE or international rules.
- Keep your app PIN and one-time passwords private. Huru will never ask you for them.
- Exchange rates move. A rate you saw earlier does not apply unless you confirm within the quote's validity.
Your rights and how to contact us
- Changes: We reserve the right to change the fees, limits or terms in this statement. We will give you at least 60 calendar days' notice in advance.
- Other documents: Read this statement with the Huru Terms of Use. It is also available in Arabic.
- Not advice: This statement helps you decide. It is not a recommendation.
- Your details: Keep your phone number, email and Emirates ID up to date in the app. If your Emirates ID expires, you cannot send transfers, and money you pay in by bank transfer will be returned, until you renew it.
- Questions and complaints: Contact us at help@huru.co, on 04 523 2999, or through Live Chat in the app (Profile > Contact Us > Live Chat). We respond within 1 business day and aim to resolve your complaint within 30 calendar days. Complaints about a transfer handled by one of our partners also come to us.
- If you are not satisfied: If we have not resolved your complaint within 30 calendar days, or you disagree with our answer, you can take it to Sanadak, the UAE's financial ombudsman, at www.sanadak.gov.ae or 800 SANADAK (800 7262325).
By confirming your first transfer, you confirm you have read and understood this Key Facts Statement.