Facebook is ranked 4th on the list of the most valuable brands globally. It is worth over $94.8 billion and has about 2.4 billion active users on a monthly basis. With such figures, it is no wonder that the company has integrated a fintech platform into its portfolio.


Facebook Messenger is a concept that enables its users to engage in chat bots, voice calls, mobile payments among other features. With reference to the mobile payments, one is able to send or receive money just like other international money transfer platforms.

With Facebook Messenger being an efficient way of transferring funds to and from different global locations, this article will show you exactly how to use the platform to send or receive money.

money transfer via Facebook Messenger

Mney transfer via Facebook Messenger.

How to Add a Debit Card to Facebook Messenger

  • On the settings menu, click on “Profile” (Android) or “Settings” (iOS). This should display your image, profile, and other options.
  • Click on “Payments”. It will display the debit cards that you have already added. Additionally, it will show you your payment history.
  • Select “Add new debit card”. At this stage, input your debit card number, security code, billing ZIP code, and its expiration date. It is important to note that you can only use a MasterCard or Visa debit card from a bank within the supported countries and that has been linked to a checking account.
  • Click on “Save”. After this step, your debit card will have been successfully added to your Facebook Messenger account. At the moment, Facebook Messenger is not applicable in some banks. If you experience this challenge, keep checking if your bank has been linked to the app. Additionally, this app does not accept PayPal cards, pre-paid debit cards, and credit cards.
  • Input a PIN. As a way of protecting your card, you can add a PIN that will be required every time your debit card is used to send money through Facebook Messenger. To do so, go to “Payments”, “Security”, then “PIN” in that order. Input a four-digit combination of your choice and re-enter it to confirm. For enhanced security, use a different PIN from the one you use as your phone’s lock screen or ATM.



How to Send Money with Facebook Messenger

  • Open a chat with the person you intend to send the money to. It does not matter if the person is in an individual or group conversation.
  • Click on the person’s name. If the recipient is in a group conversation, you will receive a prompt to select the name of the person you wish to send the money to. Complete this step by clicking on “Send or Request Money”.
  • An onscreen keyboard will appear to help you input the amount of money you intend to send. While there is no limit of the funds you can transfer through this platform, federal regulations set it at $10,000 in a day.
  • Enter the purpose of the payment by clicking on “For”. This step is usually optional. You can add a short note such as “rent” to accompany the payment.
  • Click on “Pay”. Upon doing so, the intended recipient will receive the funds and a notification of the transaction will be sent to the selected conversation. It is important to note that the selected recipient can only receive the funds if he or she has the Facebook Messenger app and has included the required details of a valid debit card.


How to Request Money from Facebook Messenger

  • Open a chat with the person who you intend to receive the funds from. One has to have a valid debit card added to his or her Facebook Messenger account to request payments. It is also important to note that Facebook does not allow individuals to use this platform for business transactions. In fact, breaking this rule will result in the automatic removal of the Payments component from the app. This rule is aimed at avoiding tax fraud and security issues.
  • Click on the name of the person you intend to receive funds from. If the name is in a group chat, you will receive a prompt to select the name. after that, click on “Send or Request Money”.
  • An onscreen keyboard will appear to enable you type the amount of money to wish to request.
  • Type in the reason for the requested funds by clicking on “For”. For instance, “rent”. This step is optional.
  • Click on “Request”. The payment request will appear on the chat for the payee to approve it. Both parties must have the Facebook Messenger app and a debit card linked to it to send or receive funds.
  • Once the payee sends the funds, you will receive a notification on the chat. Depending on your bank, it may take up to 5 business days for the cash to reflect in your bank account.


Using TransferWise to Make Payments Via Facebook Messenger

TransferWise is a digital money transfer platform that allows individuals from various parts of the world to send and receive funds. It works by enabling its users to send money via its borderless account. Upon receiving the funds, TransferWise is able to exchange currencies. One of the reasons why this platform has gained popularity worldwide is the fact that it is able to operate on the prevalent exchange rates.

In an attempt to expand its services further, TransferWise has introduced a bot for Facebook Messenger. This integration allows TransferWise customers to make financial transactions via the Facebook Messenger app. Additionally, one is able to receive alerts on the current exchange rate of different currencies. It is easy to use this digital avenue due to the availed step-by-step guide.

Supported Countries

Currently, the service is supported in the following countries:

  • U.S
  • U.K
  • Australia
  • Europe
  • Canada

TransferWise is keen on availing this service to all the 50 countries where its operations are currently enjoyed.



Facebook has included a fintech feature in its ecosystem. In addition to connecting with friends, family, and partners, you can now send and receive funds from different parts of the world through Facebook Messenger. To make things much easier, TransferWise has introduced its bot on Facebook Messenger. This enables its users to send money from Canada, U.K. U.S., Australia, and Europe. In the near future, individuals from other regions around the world may be able to benefit from this partnership.