How a money transfer through Murblz works: route, bank documents, a licensed partner and a manager until credit

A transfer through Murblz in 2026 goes through 4 stages: a manager chooses the route for the amount and country, prepares documents on the source of the money for the bank, a licensed partner makes the payment, and the manager follows it until it is credited, reporting each stage in the chat.

How a transfer through Murblz goes: 4 stages

A transfer through Murblz goes through 4 stages, and the client gets the route and the list of documents before the first payment. The order is the same for family support and for home sale proceeds; only the volume of documents changes.

1. A route for the amount and country. The manager finds out the amount, the currency, the sending country and the recipient's country, and picks the type of transfer: a bank transfer to an account, a transfer to a card by number, a transfer by phone number or a money transfer service. The result of the stage is a route and a list of documents.
2. Documents for the bank. The manager puts together a package on the source of the money to meet the receiving bank's requirements and checks the payment purpose against the contract. The package is ready before sending, not after the bank asks.
3. A licensed partner makes the transfer. The payment goes through a partner licensed for money transfers, along the agreed route and with the documents ready.
4. Support until credit. The manager tracks the payment and writes in the chat at each step: the money is sent, it has passed the correspondent banks, it has reached the receiving bank, it is credited. A question from the receiving bank is answered with documents from the same package.

The crediting time is set by the receiving bank: the page on transfers to each country gives it in business days. The Murblz part of the work is constant: the route and documents before the start, the stages in the chat until credit.

When a direct bank transfer to the recipient's country is slow or expensive, there are lawful options for different situations, and the manager will choose them for your case.

What Murblz does and what the licensed partner does

A financial intermediary is a company that finds the transfer route, prepares documents for the bank and guides the client until the money is credited, while the payment itself is made by an organisation licensed for transfers. In the Murblz model the work is split into 2 parts.

Data for 2026.

The client asks all questions about the transfer to one manager in the chat, not to the bank and the partner separately.

Who handles the transfer: a manager in the chat from the first question to credit

A transfer through Murblz is handled by 1 manager: they answer in the chat on the site or in Telegram from the first question until the money is credited. The consultation in the chat is free.

First the manager asks 4 things: the amount, the currency, and where the money is going from and to. Then they ask about the recipient and the source of the money and propose a route.

Want to know which route suits your amount? Write the amount and the country to a manager, and they will reply in the same chat.

What documents you need to send money abroad

A transfer needs 2 groups of documents: the recipient's details and documents on the source of the money. The second group grows with the amount and is matched to where the money came from.

The recipient's details are the name as in the passport, the account or card number, the bank's name and international code, and the payment purpose.

The source of funds document is matched to the source:

• sale of a home or a car - the sale contract and a statement of the money received;
• salary and earned income - an income certificate or the tax return for the last year;
• savings - statements of the deposit or account where the money built up;
• inheritance - the certificate of inheritance;
• a gift from a relative - a deed of gift and a document on the giver's income.

The receiving bank checks that the amount, the name and the payment purpose match across all the papers. A table of documents for each source of money is in the article on proof of source of funds.

A large amount and the bank wants explanations? A manager will put together a package that answers the bank's question before sending. The procedure for amounts from $100,000 is in the article on sending a large sum abroad.

How Murblz keeps country rules current: a check date on every page

Each page about transfers to a country shows the date of the last edit under the heading, for example 9 October 2026, and at the bottom, under the chat button, a line on the check of the country's rules repeats the same date.

The date changes only when figures, times or the country's rules on the page are edited, not the layout. Facts are checked against the websites of central banks, tax services and financial intelligence units.

Amounts on all pages are converted at one rate for the month: in October 2026 it is 1.1177 dollars per euro at the European Central Bank rate of 7 October. So one amount in euros gives one amount in dollars on any page of the site.

Rules by direction are collected on the page on sending money to Europe, and moving savings during a relocation is covered on the capital relocation page.

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