Your Remittance Hero, CROSS

Cross is a global remittance service that is more secure, fast, and cost-effective than existing services.

Why spend so much time and money,
Just to send money?

Cross was created to make global remittance easier for everyone.
Cross now, and send more across the world.

Start now

What Is Cross

Cross is a global remittance service that is as easy as making bank deposits.
It sends money at high speed and low cost to friends, family, and loved ones overseas with the highest security.

Cross is a trustworthy service that is licensed by the government in compliance with the newly amended Foreign Exchange Act.
Your money is safe with us.

How Cross Works

Our cheap fees and fast transfers are enabled by replacing intermediaries with cutting-edge financial infrastructure technology.

  • 기존 송금 방식

    Traditional remittance

  • 크로스 송금 방식

    Cross

How to use Cross

Learn about Cross's remittance by each country serviced.

Your Remittance Hero +> CROSS
{$ countryInfo.name $} Coming soon.

{$ countryInfo.name $} | {$ countryInfo.currentPlatform.remit_type_name $}

Transfer limit

  • • Minimum per transaction {$ countryInfo.currentPlatform.remit_range_type === 'krw_amount' ? countryInfo.currentPlatform.min_remit : countryInfo.currentPlatform.min_receive_amount |_won $} {$ countryInfo.currentPlatform.remit_range_type === 'krw_amount' ? 'KRW' : countryInfo.currency $}
  • • Maximum per transaction {$ countryInfo.currentPlatform.remit_range_type === 'krw_amount' ? countryInfo.currentPlatform.max_remit : countryInfo.currentPlatform.max_receive_amount |_won $} {$ countryInfo.currentPlatform.remit_range_type === 'krw_amount' ? 'KRW' : countryInfo.currency $}
  • • Daily limit 10,000,000 KRW (Accumulated)
  • • Yearly limit 50,000,000 KRW (Accumulated)

Processing time

  • • Completed within {$ countryInfo.currentPlatform.max_day $} day(s) {$ countryInfo.currentPlatform.max_hour $} hour(s) {$ countryInfo.currentPlatform.max_min $} minute(s) Completed within a minimum of {$ countryInfo.currentPlatform.min_day $} day(s) {$ countryInfo.currentPlatform.min_hour $} hour(s) {$ countryInfo.currentPlatform.min_min $} minute(s) ~ a maximum of {$ countryInfo.currentPlatform.max_day $} day(s) {$ countryInfo.currentPlatform.max_hour $} hour(s) {$ countryInfo.currentPlatform.max_min $} minute(s) (If sent after 2PM, next day) (Request made after 1PM will be completed within 3 days.) (only when the remittance request including the deposit is made between 8AM ~ 11PM) (only when the remittance request including the deposit is made between 8AM ~ 11PM) (only when the remittance request including the deposit is made between 8AM ~ 11PM) (Request made after 1PM will be completed within 3 days.) (Request made after 7PM will be completed within 3 days.)
  • • Next-day transfers for requests after 3:45PM (1:45PM for Fridays)
  •     - BDO, BPI, BPI Family, Metrobank: receive in 10-30 min. after successful deposit
  •     - Send up to 50,000 php: Receive within the day
  •     - Above 50,000 php before 1PM: Receive next day
  •     - Above 50,000 php after 1PM: Receive max. 2 days
  • • Remittances requested after 11PM will be processed next day starting 8AM
  • • Remittances requested after 11PM will be processed next day starting 8AM
  • • Remittances requested after 11PM will be processed next day starting 8AM
  • • Remittances made during weekends and holidays will be processed on the next business day.
  • • Requests made after 3PM shall be received the next day.
  • • Requests made after 2:15AM will be processed within 2 days
  • • Requests made after 11AM will be processed within 3 days
  • • Requests made after 12PM will be processed within 2 days
  •     - Send up to 50,000 php: Receive within the day
  •     - Above 50,000 php before 3PM: Receive next day
  •     - Above 50,000 php after 3PM: Receive max. 2 days
  • • The processing time is based on business days after requesting remittance. Some delays may occur depending on local bank conditions.
  • • As per anti-money laundering laws in some countries, additional information may be required. In this case, you will be contacted regarding related information and notified in advance of a possible delay in the remittance.
  • • Pick-up ready in 10 minutes
  • • As per anti-money laundering laws in some countries, additional information may be required. In this case, you will be contacted regarding related information and notified in advance of a possible delay in the remittance.

Transfer fee

  • • {$ selectedFeeMaxPercentage $}%
  • • Min {$ countryInfo.currentPlatform.base_fee|_won $} KRW
  • • Fixed fee of KRW {$ countryInfo.currentPlatform.base_fee|_won $}

Keep in mind before sending

  • • Only available for sending to Chinese nationals
  • • While multiple remittances may be made on a single day, only 2 remittances are allowed to a single recipient on the same day.
  • • In order for the remittance to be successful, the recipient's contact number in the remittance request must match the contact number registered for the recipient bank account.

Recipient ID verification guide

  • • First-time recipients must complete ID verification in the next step (https://r.tranglo.com/CN)
  • • If the recipient has already completed ID verification, the transaction will be much faster.
  • • In case the recipient ID verification is incomplete, the recipient will receive a text message with a link to a web page, where the ID verification must be completed within 72 hours in order to receive the money.

Keep in mind before sending

  • • Only available for sending to Chinese nationals

Available banks (Credit Card)

  • • INDUSTRIAL AND COMMERCIAL BANK CHINA (中国工商银行)
  • • BANK OF CHINA (中国银行)

Available banks (Debit Card)

  • • INDUSTRIAL AND COMMERCIAL BANK CHINA (中国工商银行)
  • • BANK OF CHINA (中国银行)
  • • CHINA CONSTRUCTION BANK (中国建设银行)
  • • CHINA EVERBRIGHT BANK (中国光大银行)
  • • HUA XIA BANK (华夏银行)
  • • LINSHANG BANK (临商银行)
  • • HUNAN RURAL BANK (湖南农信)
  • • HARBIN BANK (哈尔滨银行)
  • • QINGHAI RURAL BANK (青海农信)
  • • GUANGDONG RURAL BANK (广东农信)
  • • HENAN RURAL BANK (河南农信)

Keep in mind before sending

  • • Only available for sending to Chinese nationals
  • • While multiple remittances may be made on a single day, only 2 remittances are allowed to a single recipient on the same day.
  • • In order for the remittance to be successful, the recipient's contact number in the remittance request must match the contact number registered for the recipient bank account.

Recipient ID verification guide

  • • First-time recipients must complete ID verification in the next step (https://r.chinapay.com/overseasFront/pages/inward/newUser.jsp)
  • • If the recipient has already completed ID verification, the transaction will be much faster.
  • • In case the recipient ID verification is incomplete, the recipient will receive a text message with a link to a web page, where the ID verification must be completed within 72 hours in order to receive the money.

Pick-up center information

Things to remember before visiting a branch

  • • From the day of remittance, you have 28 days to pick-up the payment. After the timeframe, the remittance is automatically canceled.
  • • The recipient must present the tracking number and a valid ID document to the {$ countryInfo.currentPlatform.display_name $} branch.
  • • The reference number, recipient mobile number, and the exact receiving amount must be presented at the {$ countryInfo.currentPlatform.display_name $} pick-up locations.
  • • Money can be received only if the recipient mobile’s country code is {$ countryInfo.name $}(+{$ countryInfo.phone_code $}).
  • • The ID information of the recipient must match the information provided during remittance application.
  • • If the actual amount received is less than the expected amount, or if additional fees are charged, please report to Cross's service center immediately.
  • • Cross service center (Tagalog): 02-6275-4112

Delivery guidelines

  • • Delivery times: Mon-Fri, 8AM ~ 5PM (Vietnam Time)
  • • On Saturdays, deliveries will be made between 9AM ~ 11AM, and no deliveries will be made on Sundays and public holidays.
  • • Payment will be received only if the issued PIN number, home address, and recipient phone number are succesfully matched.

Things to remember before visiting a branch

  • • 'Completed' for Home Delivery means that delivery request has been made.(Not the completion of delivery).
  • • If the information provided by the sender is correct, delivery will be made on the same day or the next business day, depending on the delivery agent's schedule.
  • • Please contact Cross's customer service if the remittance was not delivered in the expected timeframe.

Attention

  • • You can send only to current accounts and direct deposit accounts. (No savings accounts and investment accounts)

Things to remember before visiting a branch

  • • Per Vietinbank policies, withdrawals within 10 days of receiving the funds will cause a 0.15% fee of the withdrawal amount.
  • • However, if you convert the USD to VND at Vietinbank and then withdraw, there will be no fee even for withdrawals within 10 days.

Attention

  • • If the recipient's mobile wallet balance is over 150,000 BDT, you cannot send.

Attention

  • • All local banks available for remittance.
  • • You must enter the ACH routing number.
  • • ACH routing number: This is the routing number specifically for electronic financial transactions, and cannot be replaced with a SWIFT code.

Attention

  • • All local banks available for remittance.
  • • You must enter the Canadian routing number, and it can be found in the link below.
  • • Canadian routing number: https://www.canadaroutingnumber.com/

Attention

  • • All local banks available for remittance.
  • • You must enter the BSB number, and it can be found in the link below.
  • • BSB number: https://www.thebsbnumbers.com/

How to deposit money

Deposit process

①  When remittance is requested,
     a virtual account is issued under the user's name.
②  Deposit the correct amount to the issued virtual account.
Caution) If the deposit amount is not exact, the money will not be sent.

Cautions

1) Make sure the deposit was made through the registered bank account
2) Double check the correctness of the sending amount
3) Double check the correctness of the virtual account number
4) An error may occur if an ATM is used to make the deposit
5) Please use the internet/mobile banking service of the verified bank account to make the deposit (no third-party apps)
6) Deposits cannot be processed in the following cases:
- Deposits made after 2 hours since requesting
- Deposits that exceed the remittance amount
- System maintenance at banks:
   (Everyday) 23:15~00:30 / However, (Sat) 23:15 ~ (Sun) 04:30


For more information contact us at support@crossenf.com.

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