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How it Works

The process has been defined in following steps:

Register your profile

+ Visit any Joyalukkas Exchange branches and present your valid photo id along with other required documents and request for the registration.
+ Users can also complete their profile registration via E-KYC using our app via EFR & UAE PASS (only applicable in UAE)

Activate for online profile

+ Download Joyalukkas Exchange app from Android or iOS and click 'New User'
+ Enter your ID number and mobile number
+ You will receive an OTP via SMS
+ Enter the OTP
+ Fill in the information as required and enter your email ID
+ You will receive an OTP in your email
+ Enter email OTP
+ Set your password & 4-digit PIN
+ That's all, you have successfully activated your profile
+ Now, you can simply log in our app by providing 4-digit PIN
+ Additionally, you can also enable biometric or face id for future login

Create Transactions

+ You will see all your registered beneficiaries on the screen in alphabetic order, if required you can add new beneficiaries
+ Tap on the beneficiary you wish to send money
+ Enter the amount you wish to send
+ Select the purpose & source of funds accurately
+ Finally, make the payment from your self-account. Our app is connected with the multiple local payment gateways, which provides a secure payment channel
+ Once payment is completed successfully, you will receive alerts (SMS, Email & Push notifications)
+ You can also track the status of your remittances from our ‘Transaction History' section

It's counting

Counts

4.7

App Rating

15 K+

Downloads

24 /7

Customer Support

4 +

Payment Methods

F.A.Q

Frequently Asked Questions

  • Where can I download Joyalukkas Exchange mobile app?

    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. Alternatively, Users can also complete their profile registration via E-KYC using our app via EFR & UAE PASS (only applicable in UAE)
    + 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 receive an OTP via SMS
    + Enter the OTP
    + Fill in the information as required and 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 ID number & mobile number
    + An OTP will be sent to your registered mobile number
    + Enter the OTP and set your new PIN How can I change my PIN?
    + Login to our APP
    + Go to MENU
    + Click on SETTINGS
    + Click on CHANGE LOGIN PIN
    + An OTP will be sent to the registered mobile number
    + Once OTP verified enter new PIN
    + Click Save

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

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

  • + Login to our APP
    + Go to MENU
    + Click on SETTINGS
    + Click on CHANGE LOGIN PASSWORD
    + An OTP will be sent to the registered mobile number
    + Once OTP verified enter new PASSWORD
    + Click Save

  • + Login to our APP
    + Go to MENU
    + Click on 'RATE ALERT'
    + Click on SET NEW 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 Utility Payments:
    user can now also make their personal bill payments using our mobile app in a few clicks (applicable in UAE only)

    Credit Card Payment:
    You can make the payment of your domestic credit card from our mobile app (applicable in UAE only)

  • Joyalukkas Exchange app is connected with the multiple secure payment gateway system in the region. Additionally, the app also offers an option to make the payment from the branch of Joyalukkas Exchange

  • We are committed to offer fast and reliable services to our valued customers. Transaction once created successfully will get executed immediately (according to the value date) 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 Transaction History
    + Apply the date range
    + Simply click on the transaction and you can view the status of your transaction How to check 'Payroll Card' balance?
    + Our WPS payroll card holders can now view their available balance from Joyalukkas Exchange APP (applicable in UAE only)
    + Log in to our APP
    + Click on PAYROLL CARD from the All-Service section
    + Select card prefix
    + Enter last 4 digit of your card
    + Click submit
    + It will display the available balance

  • + 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. Additionally, you may contact any of our branch to verify the status What happens if the transaction is rejected/returned? 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
    Additionally, you can also modify your profile via EKYC module (applicable in UAE only). To do so, select the ‘Profile Renewal’ option from the Menu section

  • 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. Alternatively, you can chat with us for real time support via WhatsApp.

  • Transaction once created successfully will gets processed immediately. Please communicate with our branch or chat and request for assistance.

  • 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
    + Alternatively, you can chat with us for real time support via WhatsApp