Frequently Asked Questions

About Tumoni

What is Tumoni?

Tumoni is a digital financial technology platform designed to make everyday financial services simpler and more accessible for people in the United States and their families abroad.

We focus on accelerating financial inclusion and providing faster, more affordable ways to send money from the U.S. to Central America.

Where is Tumoni available?

Tumoni is currently available to people living in the United States or Nicaragua. We’re actively working to expand into additional Central American countries, including Guatemala, El Salvador, and Honduras.

What is Monitag?

A Monitag is your unique Tumoni username. It makes sending and receiving money with other Tumoni users simple and secure, without needing to share personal details like your phone number or bank account information.

You can view and copy your Monitag from your profile on the app’s home screen, making it easy to share when receiving payments.

Once you choose a Monitag, it can’t be changed, so be sure to select one you’re comfortable using long term.

How is Tumoni different from other money transfer services?

Tumoni doesn’t work like traditional money transfer services.It operates as a closed-loop system, where both sides use the app: the sender and the recipient.

By keeping the transfer entirely within Tumoni, we eliminate intermediaries and delays, enabling instant, fee-free transfers.

Tumoni Benefits

U.S.-based Tumoni customers receive a complimentary VisaⓇ debit card linked directly to their Tumoni account, enabled by TAB Bank. This account allows for free local transfers and free cross-border transfers to other Tumoni users in Central America, making it easy and affordable to send money within the Tumoni ecosystem. Customers can also conveniently add and withdraw funds at retail locations and ATMs across the U.S.

Opening an Account

Is Tumoni a Bank? Is my money safe?

Tumoni is a digital financial services company, not a bank. Banking services are provided through our partner, TAB Bank, a regulated financial institution in the United States.

Your funds are held in accounts at TAB Bank, not directly by Tumoni. We work closely with our bank partner and follow strong security, compliance, and operational standards designed to help protect your money and personal information.

What do I need to open a Tumoni account?

To open a Tumoni account, you must be at least 18 years old and live in the United States. You’ll also need a valid, government-issued photo ID. Common examples include a passport, a matrícula consular, or a driver’s license issued by a recognized government authority.

Why does Tumoni request additional documents?

Sometimes, Tumoni may ask for additional documents to confirm your identity and keep the platform safe for everyone. This is a standard process used by financial companies to help prevent fraud, identity theft, and illegal activity.

These documents may include a government-issued ID, proof of address, or proof of funds. They help us verify that your account information is accurate and that your account is being used appropriately.

We only request this information when needed, and it’s reviewed securely and confidentially.

Using the App

How can I add funds to my Tumoni account?

U.S.-based customers can add money to their Tumoni account in several ways:
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- Deposit cash at participating Green Dot locations
- Deposit checks by scanning them in the Tumoni app
- Receive your salary directly to your Tumoni account
- Receive ACH transfers from other banks using your Tumoni account and routing numbers
- Receive transfers from other Tumoni users

How do I send money with Tumoni?

Once you have a Tumoni account, you can send money to other Tumoni users instantly and at no cost.

Just open the app, tap "Send", follow the on-screen steps, and confirm the amount.

Can I send money to someone who doesn't have a Tumoni account?

No. At this time, Tumoni transfers are only available between Tumoni account holders. This allows us to offer free cross-border transfers from the U.S. to Central America, as well as instant local transfers between Tumoni users.

We encourage you to invite your family and friends to join Tumoni so they can take advantage of our free and fast transfer system.

How do I withdraw cash from my Tumoni account?

If you’re located in the United States, you’ll receive a physical Visa® debit card linked to your Tumoni account. You can use this card to withdraw cash at most ATMs.

ATM withdrawal fees may apply, and some ATM operators may charge their own fees. To help keep costs low, you can use the Tumoni app to find nearby MoneyPass™ ATMs, which offers surcharge free withdrawals.

While transfers between Tumoni users are free, cash withdrawals are subject to applicable fees and limits. For full details, please review our Terms & Conditions.

Are there any other fees or limits I should be aware of?

Transfers between Tumoni users are free. Other activities may have fees or limits, such as ATM withdrawals, replacement cards, or using your card abroad.

Any applicable fees and transaction limits are clearly outlined in our Terms & Conditions. We aim to be transparent and to make all costs easy to understand before you complete a transaction.

Security

How does Tumoni protect my money?

Tumoni protects your money through robust account security measures like biometric authentication and two-factor authentication, sophisticated fraud detection using machine learning to flag suspicious activity, and user-controlled features like card limits and gambling blocks for personalized security.

How to report a suspicious or unauthorized transaction?

If you need to report a suspicious or unauthorized transaction, please contact Tumoni’s customer support immediately. You can reach us by phone at 1-888-450-8060, by emailing help@tumoni.com, or by reporting it directly within the app by navigating to the transaction screen and clicking the "help." button. This will initiate an investigation.

For additional information, please refer to our terms & conditions.US-based customers can temporarily freeze and unfreeze their Tumoni App card as needed.

Manage your account

How to update my home address or email?

For security reasons, you are only allowed to change either your home address or your email address.
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Go to > “Your Profile” button on the left top corner > Personal Information > Update the information you need.

Tumoni may need additional documentation to comply with regulatory requirements.

How to reset my password?

Click on the “Forgot My Password” button and follow the instructions.

You may need to have your original contact information handy.

Why has my account opening been rejected?

Your Tumoni account opening was probably rejected due to not meeting eligibility criteria. To find more details you can visit our Terms & Conditions.

What are the account limits for my Tumoni account?

Account limits can vary based on factors like account activity and verification status. For the most up-to-date details on limits that apply to your account, please visit our Terms & Conditions page.

What types of transactions are allowed, and what happens if there’s unauthorized use?

Tumoni supports a range of everyday financial transactions, with clear rules in place to help protect customers from misuse. For full details on permitted transactions, restrictions, and how unauthorized activity is handled, please review our Terms & Conditions page.

Account closure

How do I close my account?

To close your account, go to your Profile icon > App Settings > Close Account.

Please note that, for regulatory compliance, Tumoni is required to retain certain account information for at least six (6) years after account closure.

What do I need to know before closing my account?

You can request to close your account through the Tumoni App by completing the account closure form, which includes selecting a reason for closing your account and providing an optional message.

Please note that, in accordance with regulatory requirements, we retain account records for up to six (6) years after account closure.If you prefer, you may also request account closure by emailing us at support@tumoni.com, help@tumoni.com, or ayuda@tumoni.com.