Documents You Need to Send Money to Nepal: Full Checklist

What you need (the sender)

• Emirates ID — required for KYC verification at any UAE bank, exchange house, or digital app
• UAE mobile number — most apps and providers require this for account verification and OTP confirmation
• Proof of address — a tenancy contract or recent utility bill, required by some digital apps (Wise, for example) during onboarding
• Funding source ready — a linked UAE bank account or debit card, since card funding often costs more than a bank transfer
• Source-of-funds documentation — only needed for larger transfers; a salary certificate or payslip covers most cases. See our full limits and documentation guide for exact thresholds

What your recipient needs (bank deposit)

• Full legal name — exactly as it appears on their bank account, not a nickname or shortened version
• Bank account number — double-checked digit by digit; this is the single most common cause of a delayed transfer
• Bank name and branch — some providers require the specific branch, not just the bank
• SWIFT/routing details — usually filled in automatically once you select the bank, but worth confirming if the app allows manual entry

What your recipient needs (cash pickup)

• Full legal name — must match their government-issued ID exactly
• Transaction reference number — you'll receive this after sending; your recipient needs it to collect the cash
• Valid ID — citizenship certificate or passport, brought to the pickup location

What your recipient needs (digital wallet)

• eSewa or Khalti-registered mobile number — this is how the wallet is identified, not the name alone
• Full name matching wallet registration
• Confirmed KYC status — an unverified wallet can face transaction limits that delay a larger transfer. See our wallet safety guide for what to check

The one step people skip

Before confirming any transfer, read back every recipient detail once more — name spelling, account number, phone number — out loud if you're on a call with them. This single habit catches the majority of errors that would otherwise cause a delay or, worse, a failed transfer to the wrong account.

See also: UAE transfer limits & documentation · digital wallet safety guide · 7 remittance mistakes to avoid