At Neema, we process thousands of wire transfers every day. Most transactions go through smoothly, with many reaching their destination within a day or two, and some even within minutes! However, occasionally, transfers are stopped for further review by our local providers. This is not unusual, it’s part of ensuring compliance with regulations that protect the security and legitimacy of every transaction.

Have you ever remitted money to a bank account and then received a message saying your

transfer has been put on hold (“buffered”), and our local provider needs more information

and documents from you? Naturally, you might be wondering, 'Why me, and what did I do wrong?' We completely understand how confusing and frustrating this can be, and this guide will clarify what’s going on and how to make sure your transfer reaches its destination as soon as possible.

Important to know:

So, Why Was Your Transfer “Buffered”?

Here are a few common reasons why a wire transfer to another country might be put on hold:

1) Sending Money to an Organization or Company

Neema is primarily designed for personal transfers, like sending money to yourself or supporting relatives and family members. If you attempt to send money to a business or organization, it could be stopped for review. You may be asked to provide documents like invoices, contracts, and explanations. Even with the required information and documents provided, approval is not guaranteed.

Solution: Use Neema for personal, not business use. If you need to send money to a company or organization, consider sending the money to your personal bank account abroad first, and then transferring it to the company/organization. Alternatively, you can opt to send cash or transfer funds to a money wallet if this option is available in the receiver's country.

2) Paying for Purchases, Settling Debts, or Sending Gifts to Friends and Relatives

Like the situation above, if you’re sending money to pay for purchases, to settle a debt, or as a gift, your transfer could get stopped, and supporting information and documentation may be requested. Even if you provide everything, it’s very likely that the transfer will still be rejected by our local provider.

Solution: Consider sending the money to your personal account abroad first, then managing the payment from there. Alternatively, sending funds to a money wallet could be a better option, if this sending method is available in the receiver's country.

3) Incomplete or Unusual Receiver's Name

If the receiver’s name isn’t fully spelled out or appears incomplete (e.g., "John AB" instead of "John Andrew Brown"), this can trigger a hold. You may be asked to provide the receiver’s full name, additional personal details, and even a copy of their ID.

Solution: Ensure the receiver’s name matches exactly how it appears on the receiver’s government-issued ID.

4) Verification of Source of Funds

In some countries, local providers require proof of where the money is coming from due to regulations ensuring that the funds are legally obtained. In such cases, you may be asked to provide documents like an employment contract, work visa, and recent salary slips. If these documents aren’t provided, the transfer may be rejected.

5) Missing Information from Past Transfers

If you’ve been asked to submit documents for past transfers and did not comply, future transfers might be held until the requested information is supplied.

6) Random Checks

Sometimes, transfers are randomly selected for review as part of standard security procedures. There may not be a specific reason behind it, but these checks help ensure the safety and legitimacy of all transactions on the platform.

IMPORTANT:

Neema recommends providing the requested documents to facilitate your money transfer. If you choose not to comply with the provider’s request, this could impact future transfers made through that provider, who may apply extra caution when handling your transactions, potentially including blocking both you and the receiver (beneficiary) within their local network. Neema does not control these decisions, as they are based on our providers' policies.

If your transfer has been put on hold, Neema's Customer Support will reach out to you with details on how to resolve the issue as soon as possible. We are committed to ensuring that Neema is safe and that your transfers are secure and compliant with regulations.

Reminder:

Neema will NEVER ask for your password, login credentials, card PIN code, or any other sensitive personal information. If you ever receive a suspicious request, or have any doubts, please contact our Support team immediately.

Thank you for choosing Neema! Stay safe, and feel free to reach out if you have any questions or need assistance.