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Sending money internationally has become an easy, quick and cheap process thanks to online platforms. Often, all users need is a smartphone or computer.

However, behind the scenes there are several factors that affect how much money is received, and much of this has to do with exchange rates.

If you regularly send money abroad and haven’t made a digital transfer before, you’re missing out.

Sending money online from your smartphone, tablet or laptop makes international transfers really simple. Millions of people around the world have ditched traditional methods like high-street banks, money transfer locations and post offices in favour of online transfers.

Nowadays, you can do nearly everything using your smartphone. It’s a shopping trolley, map, stereo, cinema and wallet all in one!

Here at Paysend, we love smartphones because they help our customers to send money to their friends and family with incredible ease. Just a few years ago, it was impossible to make an international transfer without travelling to a bank or money transfer outlet, waiting in a queue, and paying money to the cashier to send abroad.

If you’re an expat who has sent money abroad in the past, then you’ve probably seen the term IBAN. If you aren’t sure what this is, it’s simply an International Bank Account Number which is a code that helps banks to identify your bank account internationally if you want to move your money between different countries.