Why migrants rely on word-of-mouth when choosing how to send money

When it comes to sending money home, few things carry as much weight as the phrase, "It worked for me, you should use it." In the migrant community, a recommendation from someone you know is often worth more than any advertisement. And for good reason: sending money is an act of trust. Let's look at why this happens, what to ask, and how to verify for yourself that a money transfer service is reliable.

Word-of-mouth in the migrant community

Those who migrate often rely on networks of fellow countrymen to find work, housing, and financial services. A friend who has already sent money using a service can tell you about their real experience: whether the money arrived on time, if there were any surprise costs, and how customer support responded. That first-hand information reduces the fear of making a mistake—a valid fear, as shown by these money transfer horror stories.

What to ask someone who recommends a service to you

1. How long did your last transfer take to arrive?
2. Did they show you the total cost before you confirmed?
3. What happened when you had a question? Did they respond?
4. What payment methods did you use?
5. Would you use it again?

How to verify it yourself

A recommendation is a good starting point, but it doesn't replace your own due diligence:

• Cost transparency: make sure they show the amount that will arrive before you confirm. See how transparent fees work when sending your money.
• Data security: look for information on information protection for international transfers.
• Identity verification: any reputable service will require it. Here is why it matters.
• Clear customer support channels and recent reviews from other users.

To learn more, check out our guide on finding reliable money transfer services and avoiding risks.

Red flags

• Promises of "too good to be true" rates without explanation.
• Pressure to send money quickly without verifying the details.
• Lack of clear information regarding costs and timelines.
• Requests for personal information through informal channels.

When referrals benefit everyone

Many services recognize the value of word-of-mouth through referral programs. At Retorna, Invite and Earn you can request a permanent code after your first transfer, share it with as many people as you like, and receive a bonus once your referral meets their goal within 90 days. Recommending a service you actually use and trust is the best way to ensure the benefit is legitimate. If you want to compare how these programs work, read what to look for before inviting someone.

Frequently asked questions

Is a friend's recommendation enough? It’s a good start, but it’s always wise to verify costs, security, and customer support before sending money.

How do I know if a money transfer service is reliable? Check for transparency, identity verification, security measures, and authentic reviews.

Is it bad if someone recommends something to me with a code? No, as long as the person is transparent and the service delivers what it promises.

Try it with confidence

If a friend recommended Retorna to you, check out the information and make your first shipment. Send money now!

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