Sending money on WhatsApp can be safe when you use an official, regulated service and take a few precautions. Scammers do target people through WhatsApp, so the key is to confirm you are using the real MAJORITY flow, never send money to someone you cannot verify, and check the rate and details before you confirm.
How to send money safely on WhatsApp
- Start from the official MAJORITY app or a verified MAJORITY channel, not a link a stranger sends you.
- Only send to people you know and have verified, using details you confirmed directly with them.
- Review the exchange rate, any fee, and the recipient details before you confirm.
- Keep your login, codes, and one-time passcodes private. MAJORITY will never ask you to share a verification code.
How to spot a money transfer scam
Common warning signs include pressure to act fast, a request to send money to "claim" a prize or job, someone impersonating a relative or an official, and anyone asking for your password or a verification code. If a message creates urgency or asks you to move money to a new or unknown account, slow down and verify through a separate, trusted channel.
| Red flag | What to do |
|---|---|
| Urgent pressure to send now | Pause and verify with the person directly |
| Request for a code or password | Never share it; MAJORITY will not ask for it |
| A new or unfamiliar payee | Confirm the details through a trusted channel |
| An offer that seems too good | Treat it as a likely scam |
How MAJORITY helps keep your money safe
With MAJORITY, your money moves through a regulated service, and MAJORITY verifies your identity before you send. You see our competitive exchange rate, any fee, and the recipient details before you confirm, and you get a confirmation in WhatsApp. With a MAJORITY membership, you send with a $0 MAJORITY transfer fee, and sending on WhatsApp without a membership is $1.99 per transfer, shown before you confirm. Cash pickup may carry a fee depending on the destination country. You can send with an international government-issued ID, such as a passport or a US driver's license, and no Social Security number is required. For more on eligibility, see What you need to send money on WhatsApp.
A note on why this matters: research from the Digital Democracy Institute of the Americas has documented scammers actively targeting US Latino communities on WhatsApp, which is why verifying the official flow before you send is worth the extra moment.
Related resources
- How to send money on WhatsApp with MAJORITY for the full step-by-step
- What you need to send money on WhatsApp for eligibility and the no-SSN details
- MAJORITY send money page for current options and pricing
Frequently asked questions
Is it safe to send money on WhatsApp?
It can be, if you use an official, regulated service and avoid scams. Confirm you are using the real MAJORITY flow, send only to people you have verified, and check the details before you confirm.
How do I know I am using the official MAJORITY flow?
Start from the MAJORITY app or a verified MAJORITY channel rather than a link from someone you do not know, and complete the transfer where you can see the rate and confirmation.
Will MAJORITY ever ask for my verification code?
No. Keep your codes and passwords private. Anyone asking you to share a code is likely a scammer.
Do I need a Social Security number to send money safely?
No. You can open a MAJORITY account and send money with an international government-issued ID, such as a passport.
What should I do if I think a message is a scam?
Do not send money or share any codes. Verify with the person through a separate, trusted channel, and report the message.
Disclosures
The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. Non-deposit products or services such as money transfers and telecom services are not FDIC-insured.
These services are not FDIC-insured.
MAJORITY earns money on the foreign exchange rate on all transfers.
Transfer limits apply and vary per member.
MAJORITY Visa® Debit Card is issued by Axiom Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.