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When you send money to Nepal from abroad, the process feels simple: enter the amount, submit details, and wait for confirmation. But behind that simplicity is a carefully structured, regulated system working to move your money safely and legally across borders.

Understanding what happens after you send money builds confidence, helps you avoid misinformation, and explains why licensed remittance services like City Express matter.

Why Many Senders Worry About Where Their Money Goes

For millions of Nepalis working abroad, remittance is not just a transaction, it’s family support, education fees, medical expenses, and daily livelihood. Common concerns include:

• “Is my money safe?”

• “Why does it sometimes take longer than expected?”

• “Who handles my money between countries?”

These questions are valid, especially when large amounts or urgent needs are involved.

Step 1: Sender Verification at the Origin Country

Every legitimate remittance begins with identity verification. This step ensures that:

• The sender is genuine

• The transaction is lawful

• Funds are protected from misuse

Verification requirements may differ slightly by country, but they exist to protect both sender and receiver.

Step 2: Compliance & Security Screening

Before your money moves internationally, it passes through multiple automated and manual checks. These checks help ensure:

• The transaction complies with international financial regulations

• Funds are not linked to illegal activities

• Nepal’s financial system remains protected

This is one of the biggest differences between licensed remittance companies and informal money channels like hundi.

Step 3: Currency Conversion and Rate Locking

Once approved, your money is converted into Nepali Rupees (NPR). Key points many people don’t know:

• Exchange rates are locked at the time of transaction

• Transparent providers show rates clearly

• No surprise deductions should occur later

This stage determines how much the receiver ultimately gets.

Step 4: Transfer Into Nepal’s Financial Network

After conversion, funds are transferred into Nepal through:

• Licensed partner banks

• Authorized payout networks

• Approved digital payment systems

Only companies approved by Nepal Rastra Bank are allowed to do this legally.

Step 5: How the Receiver Gets the Money

Depending on the service selected, receivers in Nepal can collect funds through:

• Direct bank deposits

• Cash pickup at authorized agents

• Digital wallets such as City Pay

Each method follows strict verification to ensure the right person receives the money.

Does Money Physically Travel From One Country to Nepal?

A very common misconception is that money physically travels from one country to Nepal. In reality, cash does not move across borders.

When you send money through a licensed remittance company, there are no bags of cash being transported. Instead, the process works through a digital settlement system.

Here’s what actually happens:

• You deposit money with a licensed remittance agent abroad

• The transaction is recorded digitally in a secure financial system

• At the same time, an equivalent amount is released in Nepal from a local settlement account

• Later, the remittance company balances accounts between countries through regulated banking channels

So while it feels like money is “travelling / transferring,” what really moves is value, information, and verification, not physical cash.

Why Licensed Remittance Companies Matter in Nepal

Licensed remittance providers:

• Operate under Nepal Rastra Bank regulations

• Offer customer grievance mechanisms

• Maintain transaction records for transparency

• Protect both sender and receiver legally

This structure is essential for trust and long-term financial stability.

Common Myths About International Remittance

Myth 1: “My money just sits somewhere for days”
👉 In reality, most delays are due to verification or banking cut-off times.

Myth 2: “All remittance services work the same”
👉 Licensing, compliance, and payout networks vary greatly.

Myth 3: “Cheapest option is always best”
👉 Hidden fees and poor exchange rates can reduce final payout.

How City Express Ensures Transparency at Every Step?

City Express focuses on:

• Clear service charges

• Competitive exchange rates

• Multiple payout options across Nepal

• Transaction tracking and customer support

This approach ensures senders know where their money is, and when it arrives.

Remitting Money to Nepal With Confidence

Sending money to Nepal is more than pressing a button. It’s a carefully managed journey involving compliance, security, and trust. Choosing a licensed and transparent remittance provider ensures your hard-earned money reaches home safely, legally, and on time.