FAQs
Want More Information?
Get answers to our most Frequently Asked Questions.
You can reach our Customer Call Centre at 227 5141.
We are the agents for Western Union, which allows you to send and receive money within Guyana and internationally. Our other brand, Bill Express, is a bill payment hub for all major utility providers and many more Guyanese billing companies. PayU, another Bill Express product, enables citizens with Government-issued pensions and grants to cash their vouchers seamlessly. It also facilitates many-to-one payments such as salaries and other business disbursements.
Bill Express costs vary by biller. Western Union costs vary according to the country that funds are being sent to.
At this time, we do not accept payments via credit/debit cards.
You can send an expression of interest to contactgkmsguyana@gkco.com. Once received, our team will contact you to advise on the process.
Check our website for service information and updates. You can also follow us on social media, where current information is posted daily. You may also contact the Customer Call Centre at 227-5141.
Available vacancies are advertised on our website and Facebook page. Keep checking to see when they are posted so you can apply.
Bill Express is wholly-owened subsidiary of GraceKennedy Money Services Ltd.
Bill Express is a multiple bill payment service operating in Guyana, Jamaica, Trinidad & Tobago and St. Lucia. It gives customers the convenience of making payments to a wide range of billers at one location. Our partner billers include major utility companies such as electricity, telephone, water, cable and internet service providers.
Bill Express is a product offered by GraceKennedy Money Services Ltd, agents for Western Union and owners of FX Trader Cambio. GraceKennedy Money Services is a subsidiary of Jamaica’s GraceKennedy & Co. Ltd.
Yes. Bill Express ensures that an “Agency Collection Agreement” is duly executed before the commencement of collections on behalf of a “Payee.”
Customer payment information is sent to the Billing Company within 24 hours of receipt.
Our fees are subject to change; kindly contact our Customer Call Centre on 227-5141 for further information.
Our Customer Contact Centre will assist if there are any challenges receiving funds. Contact them at 227-5141.
All customers receiving transfers below USD 2264.69 or its Guyanese equivalent must have one form of Government-issued ID. When collecting from some countries, additional requirements may apply. For amounts of USD 2265 and above, the customer should have a second form of identification/verification document and Proof of address. The Money Transfer Control Number (MTCN) is a requirement to pick-up all receiving transfers. This number is unique to your transaction; ensure you obtain it from your sender ahead of cash collection.
All customers collecting transfers must present a Government-issued ID.
All customers receiving must provide the Money Transfer Control Number (MTCN), their sender’s name, where the money was sent from and the amount sent.
Transfers collected in Guyana are paid in the domestic currency only.
Yes. All Western Union locations are cash-issued locations. Cheques may be issued upon a customer’s request in instances where large sums of money are to be picked up. Customers can also receive funds in their bank account by utilizing our Direct-to-Bank service. Transfers are made directly into the registered bank accounts of all local banks.
Customers can utilize our Direct to Bank (D2B) services as an alternative. This way their money will be transferred directly to a bank account they have registered with us.
Yes. Transfers can be sent to any country where there is a Western Union location. However, there are some countries with limitations/restrictions.
Transfers being sent from Guyana can be done using Guyana dollars only.
While there are no limits to sending, there are special requirements when sending over certain amounts.
Customers who fail to produce all the required documents and information will not be able to complete their transaction.
As a regulated entity in the financial sector, GraceKennedy Money Services Ltd must comply with regulations set out in the Proceeds of Crime Act. All sending customers are required to declare the source of their cash.
An individual under 18 years of age is not allowed to use our Western Union service in Guyana.
The GK One Mobile app is a digital convenient, secure all-in-one access point to the GraceKennedy financial suite of products
Download the app for free from the Google Play Store or the Apple App Store , follow the registration steps, and complete the verification process.
You can receive money transfers from almost anywhere in the world directly to your MMG wallet and your bank account.
You can register with any number however we will need to verify your identity.
Yes, you can still use the GK ONE App regardless of your location. We will need to verify your identity.
Yes, an internet connection (Wi-Fi or mobile data) is required to access the features.
Existing GKMS/WU customers will need a valid government-issued photo ID to complete a one-time verification. Once that’s done, you won’t need to show it again when collecting remittances through the app. You’ll also need the Money Transfer Control Number (MTCN), name of your sender, relationship to the sender and purpose of the transfer.
The app only supports local currency
You can reach out via the app or website
Yes! We use top-tier encryption and security measures to protect your transfers and personal information.
We use multi-factor authentication, data encryption, and fraud prevention systems to ensure your security.
If you lose your phone, contact customer support immediately to secure your account. To reset your password, use the “Forgot Password” option on the login screen.
Yes, we comply with local and international financial regulations to ensure safe and legal transactions.
Use the “Forgot Passcode” option in the app or contact Customer Support for assistance
As an added layer of protection for your account, we’ll use this information to build your customer profile with us. This way if we spot an unusual transaction we can alert you quickly and help you to protect your money.
The process takes less than 3 minutes to verify your identity.
No, this step is a prerequisite to using the GK One App
“To verify your identity we will need a copy of either your:
i) Passport
ii) Driver’s License or
iii) National ID
Please note: You will need to be an exisiting GKMS/WU customer.”
Once a Western Union money transfer is sent, you can then receive the money in your MMG wallet or transfer it to your registered bank account.
Once a Western Union money transfer is sent, you can then access the money in your MMG wallet or transfer it to your registered bank account.
Minimum: GYD 2000
Maximum: GYD 500,000
Period: 90 days
Receiving money in your wallet is free.
“Money transfers can be sent to all major commercial banks in Guyana. The following banks are supported at this time are:
-Bank of Baroda (Guyana) Inc
-Citizens Bank (Guyana) Inc
-Demerara Bank Limited
-Guyana Bank for Trade and Industry Ltd
-Republic Bank
-Bank of Nova Scotia”
Bank transfers typically take 24 – 48 hours depending on when the time of day the transfer is completed and the bank’s processing time.
Only bank accounts that were previously registered will be reflected in the app. To register a new bank account, existing GKMS/WU customers may register online at https://registration.gkmsonline.net/Account/Register. New customers can register in-store at a GKMS Western Union location.
Transfers are usually instant or take a few minutes. However, processing times may vary depending on the sender’s payment method
Once the Western Union money transfer is successfully sent to your MMG wallet, you can withdraw cash from your MMG Wallet.
If your transaction takes longer than expected, check your app for updates or contact customer support for assistance.
The wallet limit is determined by MMG’s existing wallet limit policy.
