What is Q-Express Online Oy?

Q-Express Online Oy is a payment service provider that delivers money from Nordic countries to various other countries via Finnish banks.

What do I need in order to use the service?

To use the service, you only need valid Internet banking access codes issued by a Finnish bank and the required amount of money on your account.

What is the purpose of the service?

We arrange money transfers to countries that don’t have a functioning banking system and facilitate sending money to countries where money transactions are usually more difficult to realize.

What are the benefits of the service?

We aim to offer faster service at lower cost and to make sending money easier for customers using their own Internet banking access codes. We intend to remove all intermediate steps that make sending money more difficult or that prolong the arrival of the money transfer at the destination.

Who can use the service?

The money transfer service is available to all who want to benefit from a quick and effortless way to send money. It is most useful to those who want to send money to their relatives using their own Internet banking access codes in the privacy of their home.

Who is the service targeted at?

Q-Express Online Oy’s customer segment will be immigrants living in Nordic countries and wishing to send money to their friends and family in their country of origin in order to improve their quality of life. The service is also available to local charities who want to donate development aid to certain countries.

How does the service work?

The sender fills in the required information, accesses the service using his Internet banking access codes and provides the necessary information (e.g. country of destination and details of the recipient). After this, the transaction will be transmitted to Q-Express Online Oy who will then send the given amount forward according to the information provided by the customer.

Which banks can be used to send money from Nordic countries?

The service can be used with access codes issued by Nordea, Osuuspankki, Aktia, Danske Bank, Handelsbank, and S-Pankki.

Who operates this service?

Q-Express Online Oy is a private company, whose management has a long history in international cooperation and the business world. The service is operated by seasoned professionals in Finland.

Which countries of destination are available via the service?

At the moment, we offer money transfers to Somalia, Ethiopia, and Kenya. In addition to these countries, we are expanding our business to cover even more countries that require fast and inexpensive money transfer services.

Can I use the service abroad?

It is possible to use the service abroad with Internet banking access codes issued by a Finnish bank.

How does the company ensure that the money transfer will reach the right person?

Both the sender and the recipient must present a valid identification document. In addition, the recipient must be able to tell who has sent him money, the country of origin of the transfer, what purpose the money will be used for, the amount of the transfer, and the relationship between the sender and the recipient. Furthermore, the recipient must know the necessary numerical codes the company uses to ensure the correct recipient for the money transfer.

Is the service safe?

Using the service presents no risks for customers who use the service lawfully. The company strives to inform its customers about issues concerning misuse as well as about legislation on terrorism and money laundering in different countries. Hence, the service is risk-free to those use it as it is meant to be used and risky to those who operate in the underground economy.

How much does it cost to use the service?

About 5,1% of the sent amount of money is charged as a service fee using the current exchange rate.

Will I be informed immediately when my money transfer reaches the destination?

Yes, the user will be informed personally when the transaction has arrived at the destination.

Where is the company located?

The company is located at Asiakkaankatu 3 A 16 00930 HELSINKI, FINLAND.