Money transfer · From Latvia

Send money home — fast, fair, tracked.

Built for the people we already serve at the office: residents in Latvia sending money to family in India, Pakistan, Bangladesh and Nepal. Real interbank rate, flat fee, WhatsApp confirmation when the money lands.

Start a transfer on WhatsAppCompare to Wise / WU

ID required · KYC ≥ €1,000 · Refunded if undelivered in 48 hours

0.5%Spread above interbank
€2 / €5Flat fee under / over €500
< 4hTypical India arrival
WhatsAppConfirmation both sides
Where we send

Built around the four corridors our customers actually use.

South Asian corridors are the daily business. Secondary corridors round out the offer. Anywhere else, ask on WhatsApp — we route most countries.

IndiaCore
Bank deposit + UPI
Under 4 hours
PakistanCore
Bank deposit
Under 1 day
BangladeshCore
Bank deposit
Under 1 day
NepalCore
Bank deposit
Under 1 day
Sri Lanka
Bank deposit
Under 1 day
Turkey
Bank deposit
Under 4 hours
UAE
Bank deposit
Same day
Other countries
Ask on WhatsApp
Most EU + global
Why us

Western Union, Wise, or RozoFinance?

Wise is excellent for app-first users. We exist for people who want a real human, in person if they want it, who knows the corridor and answers on WhatsApp.

 Western UnionWiseRemitlyRozoFinance
Speed to India10 min – 1 day4 hrs – 1 day1 hr – 1 dayUnder 4 hours
Fee on €200€8 – €15€2 – €4€2 – €6€2 (flat)
Exchange-rate mark-up3 – 7%Under 1%1 – 3%0.5%
Office in LatviaAgent partnersApp onlyApp onlyMārupe office
Cash drop-offYesNoLimitedYes (at office)
Real human on WhatsAppNoNoNoYes · Mon–Fri

Competitor pricing snapshots taken from publicly listed rates and are indicative; actual cost varies by corridor and date. RozoFinance fees: €2 under €500, €5 above, plus 0.5% spread on the real interbank rate.

How it works

Three steps to send. One WhatsApp message on each side.

1

Tell us where and how much

Country, recipient bank or UPI ID, and amount. We come back with the full price: rate, fee, total — before you commit.

2

Pay us in EUR

Bank transfer to our IBAN or cash at the Mārupe office. We confirm receipt on WhatsApp and start the wire immediately.

3

We deliver. We tell you.

WhatsApp confirmation when the recipient bank credits the funds. If not delivered in 48 hours, we refund in full.

Licensed, compliant, audited

Your money is moved through licensed channels.

RozoFinance settles every transfer through licensed correspondent banks and payment institutions in each destination market. We are subject to Latvian and EU anti-money-laundering rules, run sanctions screening on every transfer, and submit to regular audit. For transfers of €1,000 or more we verify your ID; for €15,000 or more we ask about source of funds.

Operating entity: RozoFinance SIA #TBD · Latvian Commercial Register #TBD · Payment-services authorisation status #TBD until the new entity registration is concluded. Source: fid.gov.lv · bank.lv

Questions

Five common ones.

How much can I send?
Up to €5,000 per transaction without additional checks. Above €1,000 we are required to verify your ID. Above €15,000 we ask about the source of funds. We can do larger transactions — message us first.
How fast does it arrive?
India: usually under 4 hours via UPI + bank-deposit partners. Pakistan, Bangladesh, Nepal: usually under 1 day. UAE and Turkey: same day. Cash drop-off at our office is instant.
What does it cost?
Flat €2 per transfer under €500, €5 above. Exchange-rate spread is 0.5% above the real interbank mid-market rate. No other fees. Total is shown before you commit.
Do I need ID?
Yes. Valid passport, EU ID card, or Latvian residence permit for any transfer. Source-of-funds documentation may be required for transfers over €1,000.
How is it tracked?
We send you a WhatsApp message when the wire is sent and another when the recipient bank confirms credit. If credit is not confirmed within 48 hours, we refund in full.