WorldFirst APP

Scan the QR code below. The system will automatically detect your region (based on device settings and network location) and device model, then redirect you to the appropriate download link.

Available options: App Store (iOS), Google Play (Android), or Direct APK Download (Android only).

If automatic detection fails，that means the system cannot identify your region/device, an introduction page will shown. From there, you can manually select your download method.

The WorldFirst app provides multi-currency accounts for receiving global payments, fast payments to 3rd party payees or your own bank accounts, real-time FX conversion at competitive rates, top up* your account via credit card/debit card/bank transfer，virtual cards for various expenses.

*Top up only available in UK,EEA,SG.

Yes, WorldFirst primary account holders are welcome to download the app and enjoy the app features currently available

There is an exciting WorldFirst app roadmap in development, meanwhile there will be differences between the WorldFirst Account website portal and app functionality, for e.g.:

1. Sub users are not currently supported in app.
2. Booking and managing FX forward contracts are currently not supported in the app.

If you are the primary user of an existing WorldFirst Account, you can log in using Email/Mobile phone/Biometric ID, Android user can also login with Google ID. For example, if your Google ID email is the same as your WorldFirst account email, we can link these two account together, so that you can also login with Google ID.

The first time you log in, you will be prompted to complete two-factor authentication (2FA) via SMS or Authy.

Once you are logged into the app, You can then set up biometric 2FA, making your next login even easier!

Yes, you can set up biometic two-factor authentication (2FA) by tapping on the account icon in the top-left corner of the screen, navigating to ‘Privacy and Security’, and toggling on biometric ID.

Yes, clients registered via the WorldFirst app can log in to their account on the WorldFirst website.

App homepage -Financial Calendar	View all	Choose date	Choose currency
Scroll to the bottom of the app homepage to find the ‘Financial Calendar’.	Tap “View All” to see calendar details. Select a date to view currency holiday announcements for that day.	You can view by month selection.	You can choose the currency.

You can send funds in 90+ currencies to:

1. Your own accounts;

2. Third-party accounts (bank accounts or WorldFirst accounts) ;

Here are steps to make a payment (Bank accounts or WorldFirst accounts):

Step 1：Initiate transfer

• Go to the homepage and tap ‘Send’

Step 2：Add recipient

• For Bank account: Choose bank account type, fill in the recipient’s details (region, currency, account name, etc.) ,verify the information and save the payee;
• For WorldFirst account: Don’t need to add a new payee, you can search WorldFirst account by account name (you can only search by name only if you have paid to the WorldFirst account before)/email/WF account number, and then you can send to WorldFirst account directly. Once the payment is successful, the payee automatically appears under the WorldFirst Account dashboard.

Send Money Page	Add Recipient	Bank Account Type	Recipient Details

Step 3：Complete the transfer

• Choose your recipient
• Enter the payment amount
• Review the transfer details
• Complete the verification

Then，you can see the transaction status. You can also check the status later in transaction section on the app’s homepage.

Enter amount	Confirm transaction	Verification	Transaction result

If your transaction has failed, you should see a notification on the page. Potential reasons include, but not limited to the following:

1. Approval Process: Your WorldFirst account may have an approval process enabled. Currently, our app does not support payments for accounts with this setting.

2. Security Restrictions: The transaction may have been blocked due to our security restrictions.

If you have any questions or require support, you can tap Profile icon in the top-left corner and click on Help to either start a chat, access email support or find phone support options.

Go to website portal-home > My account > Business details

You can schedule a future date and time for transfers or withdrawals when initiating a transaction. The system will automatically process the transaction at the specified time instead of executing it immediately after creation.

• Supported regions: SEA, ANZ, UK, EMEA
• Schedule FX capability is only for spot rate and live rate.

Step 1 – Entrance：App homepage-Payment tab-Scheduled payment

Step 2 – Choose recipient

Step 3 – Enter receiving or sending amount

Step 4 – Select scheduled payment time

Transaction Rules：Based on the payer’s selected currency and transaction date, the system determines the transaction type.

①Same-currency payment

Payment currency=Receiving currency

and Scheduled date > T+0

Notification：Please ensure you have sufficient balance in your WorldFirst account on your schedule payment date, otherwise your transaction may fail.

②Fixed-rate payment

Payment currency≠Receiving currency

and scheduled date in (T+0,T+2]

and currency pair supports fixed rate

Notification：Please note that once the payment and FX trade are confirmed, you will have entered into an FX contract. If you fail to settle this contract you may incur a fee as per our Terms and Conditions.

③Live-rate payment

Payment currency≠Receiving currency

and scheduled date in (T+2,T+365] ，

or currency pair not supports fixed rate

Notification：The final exchange rate and transaction amount are subject to changed based on your scheduled payment date.

Step 5 – Confirm payment information

FX rates refresh every 10 seconds. Confirm a rate to place your order.

Step 6 – Enter SMS OTP

Step 7 – Transaction results page

You cannot currently make an unfunded payment on the app, to do this you will need to log into your account via the WorldFirst website.

You cannot currently drawdown from your forwards via the app. To do this you will need to log into your account via the WorldFirst website.

You cannot currently make a payment on a specific date via the app. To do this, please log into your account on the WorldFirst website.

Yes, you can still make instant and free payments to other WorldFirst accounts via the app by these steps:

• Go to Home Page > Tap on Send > Tap on Add recipient > Choose ‘WorldFirst account’ > Add a WorldFirst account by search your recipient’s name or email > Select a WorldFirst account > Enter amount > Confirm transaction

Send Money Page	Add Recipient	Bank Account Type	Recipient Details

Pay WorldFirst’s partners within seconds. Select your service provider and commence payment. Your service provider will receive payment instantly. Currently, the app supports payments to partners’ WorldFirst accounts.

1. Function entrance

• Payment Tab—Click 【Pay to Vendor】

2. View vendor list and select a vendor

3. Enter payment details

4. Enter payment amount

5. Transaction approval (if the operator has set up an approval process)

6. View the transaction details

7. Identity verification

8. Result Page

9. View transation details

Yes, you can add a new payee to your account by tapping on ‘recipients’ on the bottom of your screen, and tapping the plus sign at the top-right corner of the screen. (If you need to make the payment by bank account, please add a new payee first. If you need to make the payment by WorldFirst account, you don’t need to add a new payee, you can search WorldFirst account by account name (you can only search by name only if you have paid to the WorldFirst account before)/email/WF account number, and then you can send to WorldFirst account directly. Once the payment is successful, the payee automatically appears under the WorldFirst Account dashboard. )

Recipient Page	Add Recipient	Bank Account Type	Complete Recipient Details		Add Account Nickname

Yes, you can delete a payee by tapping on Recipient Page, choose a Recipient account, viewing the Recipient details and tapping on the ‘Delete Recipient’ button.

Recipient Page	Payee Page

No, you cannot currently edit a payee directly in the WorldFirst app. To update a payee’s details, you should delete the payee and re-add it with the correct information, or log in to your account on the WorldFirst website to edit the payee.

Yes, you can open a new currency account in one of the following 21 currencies available.

EUR, USD, HUF, CNH, GBP, AED, AUD, CAD, CZK, DKK, HKD, JPY, MYR, NOK, NZD, PLN, RON, SEK, SGD, THB, ZAR

To do this you need to swipe to the right of your existing currency accounts, and tap on the empty card with the plus sign.

Home Page	Swipe to the far right	Choose Currency

If you originally signed up for a World Account via the WorldFirst website, then you will be able to receive funds from any pre-approved third parties via the app

Please note: If certain third party funds have been declined via website, the same restrictions will apply to your accounts via the app

If you have signed up for a World Account via the app, you will be able to receive funds from your own account/marketplace/third parties base on your WorldFirst account level.

If there are collections requiring document submission, the homepage to-do list will show the tasks. However, the document submission process cannot be completed on App and must be completed on a PC or mobile browser on the WorldFirst website.

Supported methods include debit card or bank transfer. You can top up your account by following these steps:

1. Top up via debit card (Note: This method is only for SG and is subjected to approval. Only same name cards are supported):

• Go to Home Page > Tap on ‘Top up’ > Fill in top up balance > Choose currency > Choose debit card > Add a new card to pay > Complete verification > Receive Results
• Processing time：arrives in seconds

Home Page	Top up Page	Add a new card to pay	Complete verification	Done

2. Top up via bank transfer:

• Go to HomePage > Tap on ‘Top up’ > Fill in top up balance > Choose currency > Choose bank transfer > Copy the WorldFirst Virtual Account information > Transfer money from other bank accounts to this account
• Processing time：1-2 business days

for copy details: Users need to copy the WF VA information and then transfer money from other bank accounts to this account.

Home page-Top up	fill in top up balance	choose bank transfer	copy details

You find these details by tapping on ‘Top Up’ in the middle of your screen (if you do not see it, click on ‘More’ button), choosing the currency you would like to top up, and selecting ‘Manual Bank Transfer’ as your top up method.

Home page-Top up	fill in top up balance	choose bank transfer	copy details

Yes, follow these steps:

• On the homepage, tap the trend line chart of any currency pair;
• The detail page will show historical exchange rates for the past 14 days by default;
• Use the dropdown menu to select a timeframe (1/7/14/30 days) for the trend analysis;

Homepage-Convert/Live rate	Live rate chart

Yes，you can set up rate alerts to monitor the live rates:

• On the homepage, navigate to Live Rates and tap “Rate Alerts” at the bottom.
• Select “Add Rate Alert”, then choose your desired currency pair, enter your target rate;
• Select Notification methods, then tap on ‘Add to saved rates’, once the market rates reaches this level, you’ll receive an instant notification.

When you enter your target rate, choose your desired currency pair, enter your target rate, or choose the highest rate in recent 7/14/30 days;

When you select notification methods, choose Notifications methods: Push notifications are enabled by default, and you can choose whether to enable SMS notifications and email notifications.

Home Page-Live rates	Rate alerts	Enter Your Target Rate	Select Notification methods	Done

You cannot currently book a forward contract on the app. To do this you will need to log into your account via the WorldFirst website.

You can convert your balances on the app currently by following these steps:

• Go to homepage, and tap on ‘Convert’ botton;
• Enter exchange amount, choose the buy and sell currencies, then you will see the current exchange rate and the exchanged amount; ( If you have FX coupons or exclusive rates, our system will automatically select the best coupons/rates, you can change or cancal the coupon; )
• Review conversion details: including transaction currency, amount, exchange rate and coupon; The exchange rate is refreshed every 30 seconds;
• Conversion succeed

Homepage-Convert/Live rate	convert	coupon	review conversion details	conversion succeed

Transactions: After the conversion is completed, the system will automatically creates two bill records for the sold currency and the bought currency.

Transaction details-sell: The bill details page displays information such as exchange currency, fee, FX rate，discount details, transaction time,, etc.

homepage-balance account	transactions	transaction details-sell	transaction details-buy

When you enter your target rate, choose your desired currency pair, enter your target rate, or choose the highest rate in recent 7/14/30 days;

When you select notification methods, choose Notifications methods: Push notifications are enabled by default, and you can choose whether to enable SMS notifications and email notifications.

Home Page-Live rates	Rate alerts	Enter Your Target Rate	Select Notification methods	Done

No, currently only the primary user on the account is able to log into the account on the app. Sub-user access is currently unavailable on the app.

No, you cannot currently approve payments set up by your team on the app. You will need to log into your account on the WorldFirst website to do this.

No, you cannot view or manage the users on your account on the app. You will need to log into your account on the WorldFirst website to do this.

You cannot currently add a user to your account via the app, you will need to do this via the WorldFirst website.

This New user will not be able to login to the app for the time being.

• View Transaction History
• Go to the “Transactions” section on the app homepage.
• Tap to view all your transactions, which can be searched by payee name or transaction ID;
• Check Transaction Details
• Tap a transaction to see its full details, including service fee, exchange rate and recipents;
• Access Full Account Statements
• To download or view complete monthly/quarterly statements (e.g., with account summaries and tax records), log in to your account on the WorldFirst website;

View Transactions	View All	Transactions Details

You cannot download your account statements from the WorldFirst app. You will need to login to your account on the WorldFirst website to do this.

You cannot edit any personal information or company information on the app, you can only view this information by going to the homepage, and tap on the profile icon in the top-left corner. To edit your information will need to contact our customer support team.

Yes, you can go to the homepage, tap on the profile icon in the top-left corner, choose ‘Privacy and Security’ section, then choose change password, enter old password and new password.

Home Page （Profile icon is in the top-left corner.)	Profile Page	Privacy and security	Change Password

If you require any help, tap on the account icon in the top left of your screen, and click on ‘help’ to start a chat

Homepage-Profile icon	Profile Page	Get help

To receive push notifications, ensure both your mobile device’s notification settings and the app’s notification permissions are enabled.

• App’s notification permissions: Upon logging in to the app, a pop-up reminder will appear on the homepage. Click “Start Now” and allow WorldFirst to send you notifications. If the pop-up does not appear, go to the homepage, tap the profile icon in the top-left corner, then select Settings > Notifications > Enable App Push Notifications.
• Mobile device’s notification permissions: Open the Settings app → Tap Notifications → Select WorldFirst → Turn on the Allow Notifications toggle.

App’s notification permissions:

• When login the app，a pop-up reminder will shown on homepage，click “Start Now” and allow WF to send you notifications.
• the pop-up does not appear, go to the homepage, tap the profile icon in the top-left corner, then select Settings > Notifications > Enable App Push Notifications.

Login-turn on push		Homepage	Settings	Notifications	All messages-open

• Mobile device’s notification permissions:

Phone-settings-notifications	WorldFirst app	Turn on

Tap the iconon the homepage, users can customize the order of their balance accounts, scroll down, and select preferred balance style.

Homepage	Customizable Order	Setting Balance View	Customizable Total Balance Display

Yes, click to view the balance account list，users can switch the base currency for their total balance.

Check total balance	Currency Switching

If you have registered and completed onboarding, log in to the WorldFirst APP, go to Homepage > Card, click to Agree to the Terms, then tap “Get World Card” to activate it instantly.

Card Page （In the below-right corner)	Get World Card	Ready for use

On the checkout page of the business you wish to purchase from, you can directly enter World Card details to use. To view the Card Details, go to Card Tab, select the target card, and click “Details”. After identity verification, you can view the Card Number, Expiry Date, and CVC (Card Verification Code).

• The statuses displayed for your transations would imply the following:
• Pending
• Card payment has been authorised by Merchant
• Funds will show as deducted from World Account balance but have not yet been settled back to the Merchant
• Successful
• Card payment has been authorised and settled with the Merchant
• Declined
• Card payment authorisation has been declined by the Merchant
• Refunded
• Settled card payment has been refunded by the Merchant
• Cancelled
• Authorised card payment has been refunded by the Merchant

• Go to Card Tab, select the target card, and click “Details”. After identity verification, you can view the Card Number, Expiry Date, and CVC (Card Verification Code).
• Click “Settings”, you can check transaction limits.

After the verification，users can view the card details and copy the card information here，then they can use it for online spending.

Card Page （In the below-right corner)	verification	card details

Yes, tap “All” to view all cards, and view monthly spending and quota, click it and then you can edit it.

Homepage-Card-All	View crad limit-monthly	View limits by day/month/card	Edit card limit

Manual sorting is not currently supported. Cards are displayed in reverse chronological order of activation.

Go to Homepage > Card, select the target card, and click “Freeze”. Once frozen, The card cannot be used for payments or transfers.

Homepage-card	freeze card

Unfreezing takes effect immediately. The card can be used for payments right away.

Go to the Homepage > Card module to view your Card Activities.

Homepage-card	card list	card activities	transaction details