Customer Instruction Booklet
WHAT IS TRANGO
TRANGO is a cash transfer and bill payment service for the unbanked that is social, local and mobile. There are reportedly over 2 million unbanked individuals in the UK. For the UK’s unbanked, transferring money and paying utility bills in cash involves going to a Post Office branch or a registered retailer, like Western Union. This process involves long commutes, dealing with agents behind a counter, and paying relatively high fees for using cash.
As a Customer, you will connect with a TRANGO Agent closeby and schedule a meet-up. They will then perform the money transfer for you using their smart phone. An Agent is anyone with a bank account and a smart phone who registers with TRANGO, including those with a full-time job such as: • Postal Agents (Postman/woman) • Retail Agents (grocery store, food and wine, etc.) • Local Agents (any other job)
Introducing TRANGO, a Post Office service that makes this experience easier, affordable, sociable and collaborative.
*unbanked | adjective | those without a bank account*
WHO USES TRANGO
Unbanked individuals who would like to send cash to someone (family/friend/colleague) who is elsewhere in the UK.
Unbanked individuals who have utility bills to pay using cash (Gas & Electric, water, TV). People (banked/unbanked) who frequently receive cash transfers or payments from someone who is unbanked in another locality/town/city in the UK.
FEE
% TRANGO acts as a connective platform, bringing Customers and Agents together. We provide the tools and back-end system so that you can easily find Agents closeby, to make the transfer for you. The fee you pay is a percentage of your transfer amount and is completely up to the Agent. Customers are more likely to choose Agents who charge lower fees, which encourages our transfer Agents to keep their fees low, relative to other transfer services. Some of our Agents could choose to provide the service at no fee (0%), as an act of kindness for their community. In a locality with enough TRANGO users (Agents and Customers), it had been estimated that the fee would settle around 1%-2%, which is lower and more attractive than the fee of other transfer methods.
OUR AIM
At TRANGO, we aspire to make cash transfers and bill payments for the unbanked low cost through a personalised and collaborative experience. Our Agents provide reliable transfers, which benefit our Customers and Agents alike. With TRANGO, you have the opportunity to make connections in your community and commit to saving more with low transfer fees. Our Agents are your neighbours, friends and colleagues; creating an economical flow which will revolutionise the dynamic of local money transfers.
TYPES OF CUSTOMERS
There are two types of customers:
Feature phone
Customers are those who use mobile phones, which have basic voice calling and texting functions, that don't support third-party applications (apps).
Smart phone
Customers are those who use smart phones, such as iPhones and Androids, that can download applications from an app store on their mobile phone.
Please choose accordingly and read your related sections.
HOW TO for feature phone customers
1. Registering
To join the service, fill out a registration form at your nearest registered retailer or Post Office branch.
5. Money Transfer
An equivalent amount of money from the Postal Agent’s TRANGO wallet will be sent to your TRANGO wallet.You will immediately receive an SMS detailing the unique transaction number and the transfer amount. Your interaction with the Postal Agent is complete. Now forward the SMS to your Recipient’s mobile number.
2. CONFIRMATION
You will receive an SMS within 24 hours with your unique account number. Please write your details on the card provided in this booklet and keep it with you when using TRANGO.
6. RECEIVING CASH
The Recipient can go to a TRANGO Local/ Retail Agent to withdraw the cash. They must provide the unique transaction number and confirm your unique account number, transfer amount and transaction password before receiving the cash. At this point, the money will be sent from your TRANGO wallet into the Recipient Agent’s TRANGO wallet, enabling them to give your Recipient the cash.
3. SIGNALING POSTMAN
A sign is provided at the end of this booklet. Place it near your letter box (instructions on back cover) to indicate to the Postal Agent that you would like to make a transfer. This invites him/her to ring your doorbell. Please only place the sign if you are at home.
7. FEEDBACK
You will be asked to rate the interaction with your Agent by SMS. They will do the same, rating you through the app. Kindly complete this step to provide the best experience for all parties involved.
4. CASH PAYMENT
The Postal Agent will begin a transaction on a smart phone and ask for your unique account number, transfer amount and your chosen transaction password. Share this password with your Recipient so that they can access the money. Once you pay the Agent, he/she will confirm the transaction.
8. ALTERNATIVE
If you have missed your Postman and urgently need to transfer cash, just head to your nearest registered Retail Agent or Post Office and simply follow steps 4 through 7.
HOW TO for smart phone customers
1. confirmation
To join the service, download the app and enter your mobile phone number.Within a few minutes, you will receive a verification code by SMS to verify your mobile phone number.
5. Money Transfer
Choose a Recipient from your ‘favourites’ or add a new Recipient. Transfer an amount of money (available in your TRANGO wallet) to them. They will immediately be notified of the transfer.
2. registering
Register as a Customer using the app. Fill in your details and add your photo so that Agents will recognise you.
6. meet up
The Recipient can search for a Local Agent closeby to withdraw their cash. Once an Agent is chosen and accepts to meet, your Recipient will be able to communicate through the app and plan a meet-up.
3. finding an agent
Start by choosing an Agent closeby, using the app. Once the Agent accepts your request, you will be able to communicate through the app and plan a meet-up.
7. cash payment
When they meet, your Recipient will send the amount to the Agent using the app and the Agent will in turn pay them in cash. The transaction is now complete.
4. CASH PAYMENT
When you meet, the Local Agent will start a transaction. Once you pay the cash, they will send you an equivalent amount into your TRANGO wallet. Your interaction with the Agent is now finalised.
8. feedback
You will be asked to rate the interaction with your Agent using the app. They will do the same in order to rate you. Kindly complete this step to provide the best experience for all parties involved.
PAYING A BILL
FEATURE PHONE CUSTOMERS 1) Once a Postal/Retail Agent begins a transaction, inform them that you would like to pay a bill. 2) Provide them with your unique
account number.
3) Provide them with the utility provider you would like to pay, the account number you have with that provider and the exact bill number/amount. 4) Pay them the cash, including the Agent fee. 5) A confirmation receipt will be sent to you by SMS. 6) Rate the interaction with your Agent by SMS.
SMART PHONE CUSTOMERS 1) Choose the “Pay a bill� option in the app. 2) Choose your utility
provider.
3) Enter the account number you have with your utility provider, the bill number and the exact bill amount. 4) A confirmation receipt will follow with the transaction details and your remaining balance.
SMART PHONE TO FEATURE PHONE TRANSFER
If you are a smart phone Customer and would like to transfer money from your TRANGO wallet to a feature phone Customer, use the following steps: 1) Select “Transfer money to a feature phone Customer” in the app to start a new transaction. 2) Write the
transfer amount and the Recipient's unique
account number.
3) Choose a transaction password and share it with your Recipient. This makes sure the cash is handed to the right person. 4) An SMS receipt will be sent to your Recipient including the
unique transaction number and the transfer amount.
5) The Recipient must provide this information to a TRANGO Local/Retail Agent to withdraw the cash. They must confirm your unique account number, transfer amount and transaction password before receiving the cash. 6) At this point, the money will be transferred from your TRANGO wallet to the Recipient Agent’s TRANGO wallet, enabling them to give your Recipient the cash.
GETTING STARTED
To get started, follow the steps below accordingly.
FEATURE PHONE CUSTOMERS 1) Fill out a registration form at the nearest registered Retailer or Post Office branch. 2) Wait for the SMS confirmation. 3) Fill in the card provided with your unique account number. 4) Place the TRANGO signage provided near your letterbox when you are ready to start.
SMART PHONE CUSTOMERS 1) Download the app and register. 2) Verify your mobile phone number. 3) Find an Agent when you are ready to start.
*For more information, call 0800-0-TRANGO (toll-free) or visit your nearest Post Office branch*
1. Peel off the label on the adhesive base of the unlabelled magnet
2. stick it on your letterbox
3. when you would like the postal agent's service, place the trango magnet onto its base
TRANSFERtogether
Brought to you by THE POST OFFICE