Terms of Service
Last updated: 9 October 2026
By using jbahexng.online or requesting a transfer from JBAH EXNG, you agree to these terms.
The service
We arrange non-SWIFT money transfers, sent in EUR, USD, IDR, GMD, XOF, SLE, GNF, MYR or SGD to bank accounts and mobile money wallets in other countries, without using the SWIFT network. We do not send to or from sanctioned countries or persons, and we may decline any request. Other services (such as online payments) are arranged case by case on WhatsApp. We are not a bank. Routes, limits and payout methods vary and may change, and we may decline or cancel any request.
Quotes, rates and fees
- Rates on this site are indicative market rates from a public source. They are not offers.
- The final rate, amount, fee and payment account are confirmed by us on WhatsApp for each order. Our exchange fee is 2.5% of the amount sent; bank, mobile money or provider fees may also apply and will be confirmed before you pay.
- A quote is valid only for the time we state. If it expires or you pay a different amount, we may re-quote or refund.
How to pay safely
- Pay only into the payment account we give you for your order reference, shown on your "My transfers" page or sent from our WhatsApp number +62 856 4206 2883. We are not responsible for payments sent to any other account.
- After paying, notify us with your order reference so we can match your payment.
- Never share card numbers, PINs or passwords with us.
Your account
To order online you sign in with Google. Keep your account secure; you are responsible for activity under it. We may suspend accounts used for fraud or breach of these terms.
Your responsibilities
- Give accurate sender and recipient details. We cannot always recover money sent to wrong details you provided.
- Use the service only with funds you are lawfully entitled to send, and not for fraud, money laundering, terrorist financing, sanctions evasion or any unlawful purpose.
- Provide identity or source-of-funds information if we ask for it.
Verification, delays and refusals
We may hold, delay, refuse or reverse a transfer where needed for verification, compliance, suspected fraud or a provider issue. Timing depends on the route, payout method and verification, and is not guaranteed. If we cannot complete a transfer, we will tell you and refund the amount received, less any non-recoverable provider costs.
Cancellations
Tell us as soon as possible. Once a payout has been sent to the recipient, it generally cannot be cancelled.
Liability
To the extent the law allows, we are not liable for indirect or consequential loss, delays caused by banks, mobile money or other providers, exchange rate movements before confirmation, or loss caused by incorrect details you supplied. Our total liability for a transfer is limited to the amount you paid us for it. Nothing here limits rights you cannot lawfully waive.
Changes and contact
We may update these terms and will change the date above when we do. Questions: WhatsApp +62 856 4206 2883. See also our Privacy Policy.