Last updated: 6 August 2026
1. The golden rule
Only send money to people you know and trust personally. Money remittance is designed for sending funds to family and friends. It is not a safe way to pay a stranger, a seller you have not met, or anyone who contacted you first.
2. What we will never do
- We will never call, text or email you asking for your password, one-time code or full card details.
- We will never ask you to move money to a "safe account".
- We will never ask you to pay a fee to release a prize, loan, refund, inheritance or job offer.
- We will never pressure you to complete a transfer quickly or to keep it secret from family or from our staff.
3. Common scams in our corridors
- Impersonation — someone claiming to be a relative in trouble, or a government official, police officer or your bank.
- Romance — an online relationship that turns into repeated requests for money for travel, medical bills or visas.
- Advance fee — a payment demanded before you can receive a loan, visa, job or package.
- Purchase scams — goods, vehicles, property or rentals advertised online that do not exist.
- Charity and disaster appeals — urgent collections that cannot be traced to a registered charity.
- Money muling — someone asks to use your account or asks you to send on money for a fee. This is a criminal offence, even if you did not know.
4. Warning signs
Urgency and pressure; secrecy; a request that arrived unexpectedly; a story that changes; being coached on what to tell us; being asked to send to a name you do not recognise; being told to send in several smaller amounts.
5. Before you send
- Stop. Take five minutes. A genuine request will survive a delay.
- Verify independently — call the person back on a number you already have, not one you were given.
- Check the beneficiary name and destination on your quote carefully.
- Tell our staff if you feel unsure. We would rather pause a transfer than see you lose money.
6. If you have already sent money
Contact us immediately on info@sarafiasif.com with your reference number. If the funds have not yet been collected we will try to stop the payment. Also report it to Action Fraud on 0300 123 2040 or at actionfraud.police.uk, and to your bank if you paid us by card or bank transfer.
7. Important limits on refunds
Money remittance transfers are not covered by the Contingent Reimbursement Model code that applies to UK bank transfers, and cash collected by a beneficiary cannot be reversed. Where a transfer has not yet been paid out we will refund you in full. Where you authorised the payment and the funds have been collected, we may not be able to recover them — which is why the checks above matter.
8. Report a concern about us
If someone claims to represent Sarafi Asif and you doubt it, stop and email compliance@sarafiasif.com. See also our Regulatory Information.