FAQs

Get all the information you need to send money faster and more securely.

Everything You Need to Know

How do I make my first transfer?

Making your first transfer with Retorna is very easy. Follow these steps to complete it successfully:

  • Download the App: Search for "Retorna" in the App Store or Play Store and download it.
  • Register: Open the app and follow the registration process. You will only need some basic information and a valid identity document.
  • Set up your transfer: Enter the destination country and choose the amount you wish to send. Add the recipient's details (full name and bank account or preferred withdrawal method).
  • Choose the payment method: We have different payment methods, depending on the country you want to send from (Choose the option of your preference).
  • Review and confirm: Verify all the details before confirming the transfer.
  • Send your money: Done! Your transfer will be processed and you will be able to track it from the app.

Which countries can I send money to with Retorna?

With Retorna you can send money to the following destination countries:

  • Venezuela (in bolívares VES and dollars USD)
  • Colombia (in Colombian pesos COP)
  • Peru (in soles PEN and dollars USD)
  • Spain (in euros EUR)
  • Argentina (in Argentine pesos ARS)
  • United States (in dollars USD)

Available destination countries may vary depending on your country of origin.

Does Retorna have physical offices?

No, Retorna is a 100% digital company and does not have physical customer service oices. All support is provided through digital channels like this one (WhatsApp +56 9 6437 4380), email ([email protected]), and the mobile app.

What are Retorna's customer service hours?

Retorna has 24/7 customer service, available every day of the year to help you whenever you need it.

What are Retorna's customer service channels?

At Retorna, we are available to assist you through different channels:

  • WhatsApp: Here on this channel we are ready to resolve all your questions about transfers, your account, and any doubts you may have.
  • Email for legal and compliance matters: [email protected]
  • Email for serious incidents: [email protected]
  • Retorna's official social media networks

From which countries can I send money with Retorna?

You can send money with Retorna from the following countries:

  • Chile (to Venezuela, Colombia, Peru, Spain, Argentina, and the United States)
  • Colombia (to Venezuela, Peru, Spain, Argentina, and the United States)
  • Peru (only to Venezuela)
  • Brazil (to Venezuela, Colombia, Peru, Spain, Argentina, and the United States)
  • Europe - European Union (to Venezuela, Colombia, Peru, Spain, Argentina, and the United States)

The enabled European countries are: Spain, Italy, France, Germany, Portugal, Netherlands, Belgium, Austria, Bulgaria, Cyprus, Croatia, Denmark, Slovakia, Slovenia, Estonia, Finland, Greece, Hungary, Ireland, Latvia, Lithuania, Luxembourg, Malta, Poland, Czech Republic, Romania, and Sweden.

Can I send Dollars to Venezuela?

Yes, you can send Dollars to Venezuela with Retorna. Currently, you can send $100, $200, and $300 dollars to be withdrawn in cash at Italcambio oices. For the withdrawal, your recipient must keep the following information in mind:

  • Bring a valid, original ID card (Cédula).
  • They can go to any Italcambio office; hours may vary depending on the location.
  • Below we share the available oices with you. https://www.italcambio.com/sucursales.php

What is Retorna and what services does it offer?

Retorna is a technological platform that allows people abroad to send money simply and reliably to family members or third parties in enabled countries. Retorna operates under high international standards to protect every transfer, using identity verification processes, security reviews, and anti-fraud monitoring.

How safe is Retorna?

Retorna is very safe because it uses end-to-end encryption to protect your information, international security protocols, complete traceability of all operations, and verified financial partners in all countries.

Can I send from Chile to Venezuela with Retorna?

Making your first transfer with Retorna is very easy. Follow these steps to complete it successYes, you can send from Chile to Venezuela in Venezuelan bolivars (VES) and US dollars (USD). The available methods are mobile payment and bank transfer for VES, and cash withdrawal at Italcambio oices for USD.fully:

What documents does Retorna accept for registration from Chile?

To register on Retorna from Chile you need a valid Chilean RUT or a valid foreign RUT. Passports of any nationality, Venezuelan ID cards (cédulas), and expired documents are not accepted. If your document is not a valid RUT issued in Chile, you will not be able to complete the registration.

Can I use MACH to pay in Chile?

Yes, you can use MACH to pay for your transfers from Chile on Retorna. MACH works with all active MACH accounts. Transfer limits will be defined by your Retorna profile and your MACH account's own limits. Only payments from account holders are accepted and the amount must match exactly.

Can I send money without verifying my identity from Chile using Retorna?

Yes, from Chile you can make a first transfer with Retorna without completing identity verification with a maximum amount of 100,000 Chilean pesos (CLP). This option is available only once per account. After the first remiance, you must mandatorily complete identity verification to continue sending money.

How does a bank transfer from my bank in Chile work?

For a bank transfer from your bank: you select "bank transfer from your bank", the app shows you Retorna's bank details, you access your bank (app or branch), you make the transfer with the provided details including the unique reference. You have a maximum of 1 hour before the remiance expires.

What payment methods can I use from Chile?

From Chile you can use the following payment methods: bank transfer without leaving Retorna, bank transfer from your bank, and MACH. All methods require the payment to be from an account in your name that matches the account holder of your Retorna account.

What are the transfer limits from Chile with Retorna?

Transfer limits from Chile vary by destination: for transfers in bolivars to Venezuela, the daily minimum is 1,000 CLP and maximum 2,000,000 CLP; for transfers in dollars to Venezuela, the minimum is 100 USD and maximum 300 USD daily (maximum 1,000 USD monthly); for other destinations, the minimum is 5,000 CLP and maximum 2,000,000 CLP daily, except for cash withdrawals which may have lower limits.

How long does a transfer from Chile to Venezuela take?

Delivery times from Chile to Venezuela are: mobile payment in VES takes 10 minutes, bank transfer in VES takes 30 minutes, and cash withdrawal in USD takes 2 to 3 business hours. Times start after Retorna validates your payment.

How does FLOID work on Retorna from Chile?

FLOID allows you to pay directly from the Retorna app without leaving it. You select the payment method in the app, complete the remiance, press "Make Payment", FLOID shows the available banks, you select your bank, and you authorize the payment within the app. The entire process is within Retorna.

Can I use Chilean digital bank accounts?

Sí, Retorna funciona con cuentas de los principales bancos digitales chilenos como Tenpo, Fintual, etc. Puedes utilizar estas cuentas para fondear tus envíos sin inconvenientes, siempre que la cuenta esté a tu nombre.

Can I send from Colombia to Venezuela?

Yes, you can send from Colombia to Venezuela in Venezuelan bolivars (VES) and US dollars (USD). The available methods are mobile payment and bank transfer for VES.

What documents does Retorna accept for registration from Colombia?

To register on Retorna from Colombia, only the following are accepted: Colombian Citizenship ID (Cédula de Ciudadanía Colombiana), Temporary Protection Permit (PPT), and a valid Venezuelan Passport (expired ones are NOT accepted). Expired passports from any country, passports from other countries (except a valid Venezuelan one), foreign IDs from other countries, and temporary or provisional documents are not accepted.

What payment methods can I use from Colombia?

From Colombia you can use: PSE (Secure Online Payments), Nequi, Bancolombia deposit, Efecty, and cash at other payment points. All require that the payment matches exactly with the name of the Retorna account holder.

Can I send money without verifying my identity from Colombia?

Yes, from Colombia you can send your first remiance without completing identity verification with a maximum amount of 400,000 Colombian pesos (COP). This option is available only once per account. After the first remiance you must mandatorily complete identity verification to continue sending money.

Does it work from all cities in Colombia?

Yes, Retorna works from all cities in Colombia. Being a digital service, you can use the application from anywhere in the country where you have an internet connection. Payment methods like Efecty have national coverage.

Can I send Dollars from Colombia to Venezuela?

Yes, you can send Dollars from Colombia to Venezuela with Retorna.

  • Currently you can send $100, $200, and $300 dollars to be withdrawn in cash at Italcambio offices.
  • For the withdrawal your recipient must keep the following information in mind: Bring a valid, original ID card (Cédula).
  • They can go to any Italcambio office; hours may vary depending on the location. Below we share the available offices with you. https://www.italcambio.com/sucursales.php

What are the transfer limits from Colombia?

Transfer limits from Colombia vary by destination and currency: for transfers in bolivars to Venezuela the daily minimum is 4,000 COP and maximum 7,800,000 COP; for transfers in dollars to Venezuela the minimum is 100 USD and maximum 300 USD daily (maximum 1,000 USD monthly); for other destinations the minimum is 18,000 COP and maximum 7,800,000 COP daily.

Can I use Retorna as a Venezuelan in Colombia?

Yes, you can use Retorna as a Venezuelan in Colombia as long as you have one of the accepted documents: Temporary Protection Permit (PPT), valid Venezuelan Passport, or Colombian Citizenship ID (if you have obtained it).

Can I use a debit or credit card in Colombia?

The available payment methods from Colombia are PSE, Nequi, Bancolombia deposit, Efecty, and cash at other points. Debit or credit cards are not mentioned as available methods from Colombia.

What happens if I pay from an account that is not mine in Colombia?

Retorna DOES NOT accept payments from third parties from Colombia. The payment must match exactly with the name of the Retorna account holder. The bank account holder must create their own Retorna account and complete identity verification, or request a refund.

Can I send from Peru to Venezuela?

Yes, you can send from Peru to Venezuela in Venezuelan bolivars (VES) and US dollars (USD). The available methods are mobile payment and bank transfer for VES, and cash withdrawal at Italcambio oices for USD.

What documents does Retorna accept for registration from Peru?

To register on Retorna from Peru you can use: Peruvian DNI, Peruvian Alien Registration Card (Carnet de extranjería) (if you have legal residence in Peru), and Venezuelan Passport (valid or expired). You cannot register with passports from other countries, provisional documents, or foreign IDs that are not Peruvian.

What payment method can I use from Peru?

From Peru, the only payment method available is cash deposit. By selecting this option, you will receive detailed instructions with an agreement number to identify Retorna and the authorized physical locations where you can make the deposit.

Can I send Dollars from Peru to Venezuela?

Yes, you can send Dollars from Peru to Venezuela with Retorna. Currently, you can send $100, $200, and $300 dollars to be withdrawn in cash at Italcambio offices. For the withdrawal, your recipient must keep the following information in mind:

  • Bring a valid, original ID card (Cédula).
  • They can go to any Italcambio office; hours may vary depending on the location.
  • Below we share the available offices with you.https://www.italcambio.com/sucursales.php

What are the transfer limits from Peru?

The transfer limits from Peru to Venezuela are: in bolivars (VES) minimum 30 Peruvian soles (PEN) and maximum 6,000 Peruvian soles (PEN) daily; in dollars (USD) minimum 100 USD and maximum 300 USD daily. You can only send exactly 100, 200, or 300 USD.

How long does a transfer from Peru to Venezuela take?

Los tiempos de entrega de Perú a Venezuela son: pago móvil en VES demora 10 minutos, transferencia bancaria en VES demora 1 hora, y retiro en efectivo en USD demora 2 a 3 horas hábiles. Los tiempos empiezan después de que Retorna valide tu pago.

Can I receive money in Brazil with Retorna?

No, Brazil is enabled only as a country of origin, not as a destination. You cannot receive money in Brazil with Retorna. From Brazil you can only send money to Venezuela, Colombia, Peru, Spain, Argentina, and the United States.

What documents does Retorna accept for registration from Brazil?

To register on Retorna from Brazil, only the following valid documents are accepted: Carteira de Identidade (RG), Carteira de Identidade Digital (RG Digital), Carteira de Registro Nacional Migratório (CRNM) for foreigners with legal residence, Carteira do Conselho Regional (professional credential), Carteira de Identidade Militar, and Passport of any country (only if valid). All documents must be valid, legible, include a photograph of the holder, and have no visible alterations.

What are the transfer limits from Brazil?

Transfer limits from Brazil are: daily limit of 10,200 Brazilian reals (BRL), weekly limit of 25,500 Brazilian reals (BRL), and monthly limit of 48,450 Brazilian reals (BRL) for destinations where a monthly limit applies.

How does PIX work on Retorna?

To use PIX on Retorna: you select "Transfer with PIX", complete the remiance, review the summary, and press "Pay and send". The app shows you a QR code to scan or the "PIX copy and paste" (PIX copia e cola) option to copy the key. You access your banking app, select PIX, scan the QR code or paste the copied code, and authorize the payment.

Do I have to pay any extra commission for using PIX?

No, you do not have to pay an extra commission for using PIX on Retorna from Brazil. PIX is free between individuals in most Brazilian banks. The costs shown on Retorna already include all international transfer service commissions.

Do I need a Brazilian bank account to use Retorna?

Yes, from Brazil you need to have a Brazilian bank account with PIX enabled to be able to make payments, since PIX is the only payment method available.

Can I send Dollars from Brazil to Venezuela?

Yes, you can send Dollars from Brazil to Venezuela with Retorna. Currently, you can send $100, $200, and $300 dollars to be withdrawn in cash at Italcambio oices. For the withdrawal, your recipient must keep the following information in mind:

  • Bring a valid, original ID card (Cédula).
  • They can go to any Italcambio oice; hours may vary depending on the location.
  • Below we share the available oices with you. https://www.italcambio.com/sucursales.php

Can I send money without verifying my identity from Brazil?

No, you cannot send money without fully verifying your identity from Brazil. It is necessary to complete identity verification before making any transfer, including the first remittance

What payment method can I use from Brazil?

From Brazil, the only payment method available is PIX (immediate transfer). PIX is the immediate transfer system of the Central Bank of Brazil that operates 24 hours a day, 7 days a week.

How long does a transfer from Brazil to Venezuela take?

Delivery times from Brazil to Venezuela are: mobile payment in VES takes 10 minutes, bank transfer in VES takes 1 hour, and cash withdrawal in USD takes 2 to 3 business hours. Times start counting after Retorna validates your payment.

What do I do if Retorna does not accept my CRNM?

If Retorna does not accept your CRNM when registering from Brazil, make sure the document is valid, in good condition, and that you are entering all the information correctly. The CRNM is an accepted document for foreigners with legal residence in Brazil. If the problem persists, type "speak with an agent" (hablar con un agente).

In what currencies can I send from Brazil to Venezuela?

Puedes enviar de Brasil a Venezuela en bolívares venezolanos (VES) para recibir en cuentas bancarias o pago móvil, y en dólares estadounidenses (USD) para retiro en efectivo en oficinas Italcambio.

From which countries in Europe can I use Retorna?

You can use Retorna from these 27 European Union countries: Spain, Italy, France, Germany, Portugal, Netherlands, Belgium, Austria, Bulgaria, Cyprus, Croatia, Denmark, Slovakia, Slovenia, Estonia, Finland, Greece, Hungary, Ireland, Latvia, Lithuania, Luxembourg, Malta, Poland, Czech Republic, Romania, and Sweden.

What documents does Retorna accept for registration from Europe?

To register on Retorna from Europe you need a valid oicial identity document. If you are in Spain you can use a Spanish DNI or a valid Venezuelan passport. In other EU countries, you can use the national identity document of the country where you reside (valid or expired for less than 30 days) or a valid Venezuelan passport.

Can I register with a Venezuelan passport living in Europe?

Yes, you can register with a Venezuelan passport if you live in Europe, but it must be valid. Expired Venezuelan passports are not accepted from Europe. A valid Venezuelan passport is one of the accepted documents for Venezuelan residents in any country of the European Union.

Can I use a credit or debit card from Europe?

Yes, you can use a credit or debit card from Europe. By selecting this option, the app will redirect you to enter your card details and authorize the payment through the European banking system. For security reasons, your card details are not stored.

Can I send money without verifying my identity from Europe?

No, you cannot send money without fully verifying your identity from Europe. It is necessary to complete identity verification before making any transfer, including the first remittance. Do I need a European bank account to use Retorna? Yes, from Europe you need to have a bank account in your name to make payments via bank transfer, which are the methods available in the European region. Only credit/debit cards do not require a direct bank transfer.

Can I send money without verifying my identity from Europe?

Sí, desde Europa necesitas tener una cuenta bancaria a tu nombre para realizar pagos a través de transferencia bancaria, que son los métodos disponibles en la región europea. Solo las tarjetas de crédito/débito no requieren transferencia bancaria directa.

Can I send Dollars from Europe to Venezuela?

Yes, you can send Dollars from Europe to Venezuela with Retorna. Currently, you can send $100, $200, and $300 dollars to be withdrawn in cash at Italcambio oices. For the withdrawal, your recipient must keep the following information in mind:

  • Bring a valid, original ID card (Cédula).
  • They can go to any Italcambio office; hours may vary depending on the location.
  • Below we share the available offices with you.https://www.italcambio.com/sucursales.php

Can I register with a European national identity document?

Yes, you can register with the national identity document of the European country where you reside, as long as it is valid or has been expired for less than 30 days. You can also use a valid Venezuelan passport.

What are the transfer limits from Europe?

Transfer limits from Europe vary by destination: for transfers in bolivars to Venezuela, the daily minimum is 3 EUR and maximum 1,800 EUR; for transfers in dollars to Venezuela, the minimum is 100 USD and maximum 300 USD daily; for transfers to Colombia via bank transfer, the minimum is 4 EUR and maximum 1,800 EUR, cash withdrawal minimum 6 EUR and maximum 300 EUR; for other destinations, the minimum is 3-10 EUR and maximum 1,800 EUR daily.

How long does a transfer from Europe to Venezuela take?

Delivery times from Europe to Venezuela are: mobile payment in VES takes 10 minutes, bank transfer in VES takes 1 hour, and cash withdrawal in USD takes 2 to 3 business hours. Times start after Retorna validates your payment.

What payment methods can I use from Europe?

From Europe you can use: immediate transfer, standard transfer, and credit or debit card. All methods require the payment to be from an account in your name that matches the account holder of your Retorna account.

Does it work with European digital banks?

Yes, Retorna works with European digital banks such as N26, Revolut, and others, provided they support SEPA transfers and allow transfers to remiance services. Some digital banks may have specific restrictions.

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