You can download JOYALUKKAS EXCHANGE app from Play store(Android) & App Store(iOS).

+ All users need to register and complete their KYC from any of our branches in order to access our online services.
+ Once you register your profile from branch, download our app from Android or iOS and click 'New User'
+ Enter your ID number and mobile number
+ You will recieve a OTP via SMS
+ Enter the OTP
+ Enter your email ID
+ You will receive an OTP in your email
+ Enter the email OTP
+ Set your password & 4 digit PIN
+ That's all, you have successfully activated your profile
+ You can simply log in our app by providing 4 digit PIN
+ Additionally, you can also enable biometric or face id for future login

+ click on the FORGOT PIN
+ You need to enter your registered email id & mobile number
+ An OTP will be sent to your email ID
+ Enter the OTP and set your new PIN

+ Login to our APP
+ Go to MENU
+ Click on PROFILE
+ Click on CHANGE PIN
+ Enter your existing PIN & new PIN
+ Click Save

+ Login to our APP
+ Go to MENU
+ Click on 'OTHER SERVICES'
+ Click on SPECIFIC RATE ALERT
+ Select the currency
+ Enter the rate you are looking for
+ Select the notification type
+ Submit the request
+ Rate alert will be triggered once the exchange rate for the selected currency touches the preferred rate set by you

+ Go to MENU
+ Click on branches
+ You can share your location to locate a branch near to you. You can also use the navigation button to locate our branches

Transfer to Bank Account:
Amount will be transferred to the recipient’s bank account

Cash Pickup:
If the recipient doesn't have a bank account, you can send money to them as a cash pickup. Which can be collected by the recipient from all major payout agents by presenting a valid photo id and the PIN number

Joyalukkas Exchange app is connected with the government approved secure payment gateway system

We are committed to offer fast and reliable services to our valued customers. Transaction once created successfully will get executed immediately from our end. However credit to the beneficiary account is subject to the country and delivery channel. There could be possible delay, if:
+ Beneficiary bank system is temporarily unavailable
+ Non banking days
+ Incomplete payment instruction
+ Invalid receiver information

+ Click on the ACTIVITY
+ You will find your transaction history
+ Simply click on the transaction and you can view the status of your transaction

+ Our WPS payroll card holders can now view their available balance from Joyalukkas Exchange APP.
+ Log in to our APP
+ Click on OTHER SERVICES
+ Click on PAYROLL CARD BALANCE
+ Select card prefix
+ Enter last 4 digit of your card
+ Click submit
+ It will display the available balance

Yes! Transaction real time status can be tracked from our app. In addition you may contact any of our branch to verify the status

You will be notified by our customer service team. You will then require to visit our branch to claim the equivalent amount or request for recreation of transaction after necessary correction

In order to modify your profile detail, you need to visit our branch and request for the necessary update

Your ID could have expired or there could be any other possible reason. For further detail, please write to us with your query and requirement, and we will revert with the soonest possible time.

We are always listening to you
+ Click on MENU
+ Click on CONTACT US
+ You may call us or write to us and we will respond to you in no time