FAQs

After you have downloaded the tmw App, please open the app on your mobile phone.
Complete the sign up process by entering the following details:
-Your Full Name
-Your Mobile Number
-Your Emailid
-Create a Password
-Confirm Password
-Referral Code *this is optional* (if someone recommended you!) Click on the sign up button (after reading the terms and conditions) In most Android Phones, the SMS will be read automatically by the device. In case it doesn’t read, please enter the 4 Digit code sent to your registered Mobile Number by SMS.
-Create a 4 Digit MPIN - (MPIN stands for mobile banking personal identification number)
-Reconfirm the 4 Digit MPIN

You will receive a welcome message and a welcome Email.

You will have to create an account with tmw before you can Recharge or pay bills using tmw. Creating an account will require 3 simple detials from you namely : your complete name / Mobile Number and Email Address

tmw can be used for various day to day activities. tmw may be used to:
-Recharge Any Prepaid Mobile number, DTH Connection or Broadband service easily.
-Pay your Mobile, Landline, Internet, DTH, Cooking Gas & Electricity Bills on the go.
-You can make all your travel arrangements through tmw, without having to toggle different portals. You can book Airline and Bus /tickets, Make Reservations for Hotel Rooms, Rent a Car or hire a Taxi all through one single app.
-You can send money to your friends or request to receive money.
-You may shop for a wide range of goods and services.

Yes, you can be rest assured about the safety of your credit/debit card information as we have the highest level of security measures on our platform which confirm to the latest technology on data security.
tmw offers a simple 3 step process to make payments/ send money /shop and a host of other features, and while you do this on the go you will be rewarded with our unique reward points system on every transaction
You can either click on the retry button or try completing the registration again. If these steps don’t work, you can write to us at cs@tmwpay.com and our team will be glad to help you.
Please complete the details on the registration / sign up page and click submit. This will generate an OTP which would be sent to the number you have added to the registration page. If your phone doesn’t read the OTP automatically, please enter the OTP in the box and click submit. This should complete your registration. If the problem still persists, please write to us at cs@tmwpay.com and our team will be glad to help you.

Following simple steps have to be taken to load money into your wallet:
-Click on the ‘load money tab’ on the screen.
-Select the amount you want to load. You can either select any of the pre-set amounts or enter an amount of your choice.
-Select from any of the following options to load money into tmw:

  • From your Credit Card
  • From your Debit Card
  • From Net Banking
-Follow the process that your bank / card issuer has to complete the transaction.
-The amount will instantly reflect in your tmw Balance.
-You can save the details for faster upload from the next time.

Sending Money to someone is now very simple. You can transfer money to someone by completing the following simple steps:
-Click on the Send Tab
-Enter the amount to be sent
-Enter the mobile number of the person who you want to send money to. The number can be added either manually or chosen from the phone’s contact list
-You can also send a message along with the send money request to add a personal touch!
-Click on the Send Button to proceed
-The person you have sent the money to will receive the notification on their Phone through the tmw App and a message that tells them that they have received money. In case the person you have sent money to doesn’t have the tmw App downloaded on their phone, they will receive a message informing them that they have received money with a link to download the tmw App

You can now request money from your family or friends. You can receive money by completing the following simple steps:
-Click on the "Get Money" tab available on the dashboard.
-Enter the amount and mobile number of the person you want to request money from manually or choose from the phone’s contact list.
-You can also send a message along with the request to add a personal touch.
-Click on the Get Button
Wait for your friend or family member to send you the money. If the friend/family member is a registered tmw app user, he/she will get a notification for the requested money.

If not, he/she will not be able to help you. In such a case, you can request your friends/family to download the app and send money. They can follow the simple process to register and upload money and then send it to you.

In case you have sent money to someone who has not registered with tmw app; he/she will receive an SMS stating that they have received money from you and a link to download the app. Once your friend registers with the app, he/she will get the money you sent in their wallet.

You can pay at any of our merchant partners using three different options:
1. My QR Code:
-Click on "My QR code" tab on the dashboard.
-Your QR code will be visible in the app.
-The Merchant can scan you QR code and request money from you.
2. Quick Pay:
-Click on "Quick Pay"option available on the dashboard
-Scan the QR code provided by the merchant.
-Enter the amount, confirm the merchant details and click on "Pay" button
3. Send Money:
-Click on the Send Tab
-Enter the amount to be sent
-Enter the mobile number of the merchant and make the payment

To reset the password, please follow the steps given below:
-On the login screen, you need to click on the "Forgot Password" link.
-Enter your registered mobile number and we will send you an OTP to the registered mobile number .
-You can enter the OTP and you will get an option to set a new password.

Simply log out and log in again using your Registered Mobile Number / Emailid and the App will prompt you to create and reconfirm a MPIN.

  Yes, you can save the details of each transaction that you make as favourites by simply clicking on the save to favourties box when making the payment.

There are no limits on the details that you can save as favourites.

You can easily find the details that you have saved in the favourites section. You can also view the entire list of favourites by clicking on the My favourites option from the Drop Down Menu which is available on the left hand side top corner of the dashboard.

You can see the history of the spending you have done using The MobileWallet in the Transaction History section in the App.
-Click on the Drop Down on the left top corner of the App Screen and select Transaction History.
-Here you would be able to see the history and also search for specific names or amounts.

You can change your tmw app password by following the steps provided below.
-Click on the Drop Down on the top right corner of the App Screen and select Change Password.
-Here you will have to enter your old password for security purpose and enter the new password.
- Re-confirm the new password and click on “Change Password” Tab.

You can also change your tmw app password by clicking on the dropdown on the left top corner of the App screen and select Settings and then click on ''Change Password''

You can change your tmw app MPIN by following the steps provided below.
-Click on the Drop Down on the top right corner of the App Screen and select Change MPIN.
-Here you will have to enter your old MPIN for security purpose.
-Enter the new MPIN twice and you can start using the new MPIN.
You can also change your tmw app MPIN by clicking on the dropdown on the left top corner of the App screen and select Settings and then click on ''Change MPIN''

You can disable your tmw app MPIN by following the steps provided below.
-Click on the Drop Down on the top left corner of the App Screen and select Settings.
-Click on "Disable MPIN" tab and your MPIN will be disabled.

Click on the Travel Section on the Dashboard and click on Travel Store and then click on Bus Booking option. Enter the Departure and arrival cities and the date of travel. Select the number of tickets and click Search. Select the Option you would like to take and complete the payment on the App.

Click on the Travel Section on the Dashboard and click on Travel Store and then click on Flight Booking option. Enter / Select the Destination and Arrival Cities From and the dates. Select the number of tickets and click Search. Select the Flights that you would like to book and complete the Booking by either creating a ID or logging in as Guest by entering your Email ID and Mobile Number.

Click on the Travel Section on the Dashboard and click on Travel Store and then click on Hotel Booking option. Enter the location that you want to book the hotel in and enter the check in and check out dates. Enter the number of rooms & people and select on the residence. Click search. You can also select the advanced search option. If you select Advanced Search, enter the start rating that you prefer and the type of package you are looking for. Select the Hotel you want to book and complete the payment using the App.

Click on the Cabs Section on the Dashboard. Click on the Cabsguru tab and enter the from and to destination followed by when do you need the Cab and click search. Select from the list of options available based on your requirement. Complete the payment and the Cab will be booked.

Please follow the steps given below to cancel your bus ticket, air ticket or hotel booking on TTS:
-Click Manage bookings
-Select Cancellation
-Provide Bookings ID & Email/Mobile number
-Select the Ticket to be cancelled and select on Agree T&C
-Click on Cancel

Please follow the steps given below to change your bookings:
-Click Manage bookings
-Select Modification
-Provide Bookings ID & Email/Mobile number
-Select the Ticket to be modified
- Provide Travel Date & Flight Number
- Provide Modification Details
-Click on Submit
- You will receive an Email & SMS Alerts for Modification.

Yes you can. Please follow the steps below to transfer wallet money to your bank:
• On the dashboard click on “Send” and select the “Bank” radio button.
• Fill in the Beneficiary details, Name, Mobile Number, Account number, IFSC code.
• Select on the beneficiary account. It will give options to pay via IMPS or NEFT.
• Upon selection of mode of transfer you will be prompted to enter amount to be transferred.
• Click on Proceed after entering the amount. You will receive notification regarding transfer.

Yes, wallet money transfer to bank is chargeable.
Charges are as follows:
IMPS transfer – Rs.5 or 2.36% of transaction amount whichever is higher. (Inclusive of Taxes) - Minimum transaction amount - Rs.200
NEFT/RTGS transfer – Rs.5 or 2.36% of transaction amount whichever is higher. (Inclusive of Taxes) - Minimum transaction amount - Rs.10

IMPS - The beneficiary can expect to get the credit Real time.
NEFT - The beneficiary can expect to get credit for the NEFT transactions within two business hours. Any transaction done after NEFT cut-off time (5pm on working days or anytime on non-working days), will be processed only on the next working day.

Maximum per transaction limit for Wallet to Bank is Rs. 5000/-. Full KYC customers can transfer Rs. 25000/- in a month. Limits are subject to change without prior notice.

Transaction amount cannot be more than Rs. 5000/-. Full KYC customers can transfer Rs. 25000/- in a month

You can add a maximum of 10 beneficiaries at a time. If you already have 10 beneficiaries and need to send money to a new beneficiary; you will have a delete on of the beneficiary and then add the new beneficiary.

SafeGold is an organised and transparent method of buying 24 carat gold in compliance with all applicable laws and regulations. SafeGold is neither a financial product nor a deposit but a method of purchasing gold for your personal needs. You can buy the gold under this plan according to your wish and have complete freedom to seek physical delivery of gold anytime and on as many occasions as you want. Since it is not physically possible to deliver a fractional quantity of gold, minimum quantity for which the delivery is proposed to be made has been kept as low as 1 gram and in multiples of 1 gram. Gold will be purchased on your behalf on the basis of clear funds being made available by you for the transaction. Gold in grams up to 4 decimal places shall be credited to your account.

Digital Gold India Private Limited is institutionally owned by InVent Capital with the World Gold Council as a minority investor (through World Gold Council (India) Private Limited). SafeGold is a product of Digital Gold India Private Limited.

Safegold offers 24 Karat Gold of 995 fineness (99.5% pure).

SafeGold has entered into a relationship with IDBI Trusteeship Services Limited to act as a Security Trustee for all our customers. The Security Trustee is entitled to act on your behalf and ensure that your interests are protected. The Security Trustee will have a charge on the gold associated with accumulations held by you.

The gold associated with the accumulations in your account is separate from the other assets of the SafeGold. IDBI Trusteeship Services Limited, an independent trustee, acts for and on your behalf. The gold purchased by the Company associated with the accumulations in your accounts is held with the Custodian. When you ask for delivery, the requisite quantity of gold will be removed from the Custodian and delivered to you through a reputed courier service. Since the Security Trustee has a charge over the gold, any unlikely adverse event happening to Company will not affect the gold associated with the accumulations in your account. Further, the title of the gold clearly rests with you and the physical gold stored with the Custodian on account of SafeGold customers is not an asset of SafeGold in any way.

You are not obligated to make any fixed or periodic payments.

The secure storage provider (Brink's) has a comprehensive, global insurance policy that includes the insurance cover on your gold stored in their vaults. In addition, SafeGold has an additional insurance policy to cover gold in transit.

Any Indian resident can enroll for SafeGold. TMW accounts may be opened by resident Indians above the age of 18.

The minimum amount of purchase is Re. 1. You can purchase a maximum of 30 gms. of gold through your TMW account.

Digital Gold India Private Limited (the "Company") provides a sell price quote on the TMW platform app. You can choose to sell any amount starting with a minimum of Re. 1 to a maximum of the amount of gold that you own. The sell quote may be temporarily unavailable in the unlikely event of a disruption in the bullion market.

SafeGold will publish a live buy-sell quote for you which will be derived from the wholesale bullion market plus a commission to cover operating costs. The actual purchase price paid by you will always be transparently published so that you have a chance to compare with all other sources before entering into a transaction.

If your email address has been provided, an invoice shall be emailed to you as an attachment after each successful transaction. It is also available in the Transaction history/passbook section of the TMW app, by clicking on the invoice button.

An online statement will be available at all times in the TMW app.

The gold purchased on your behalf is stored with Brink's the leading safe keeper of precious metals across the world. The gold is insured, both for storage and transit when being delivered to you. Further, IDBI Trusteeship has a charge on all gold stored in the vault in your favour. This further ensures that your gold is protected at all times regardless of any external events.

You can store your gold with SafeGold for a period of 7 years from the date of purchase. The custody shall be without charge for the first 24 months, and thereafter, will continue to be stored by SafeGold for a nominal fee to cover storage costs. You will be intimated in advance of being charged the fee, and will have the option to sell or request delivery of your gold at all times.

No, there is no lock-in period from the date of purchase. You can choose to sell any amount of gold at the live sell price starting with minimum of Re. 1/- to maximum of the amount of gold that you own.

No, you cannot have a joint account for SafeGold.

No, you cannot cancel the order once it has been successfully placed on the TMW platform.

In the event of your death, if specifically allowed by SafeGold subject to the required due diligence, the title to your Gold lying in the vault and your account shall transfer to your legal heir.

We will always endeavour to provide you with immediate access to your gold. If, however, your TMW account has been suspended for any reason, we would request you to get in touch with TMW’s customer service centre, in order to reactivate your account and access your gold once again. Please note that TMW shall not be responsible for the gold held by you in your account in case your account has been deactivated due for any reason. Please get in touch with TMW customer care at +91 75073 75073 or cs@tmwpay.com to ascertain the cause of the deactivation of your account and any remedial measures available to you. You may also get in touch with SafeGold directly, to take delivery of or sell the balance gold available in the account, subject to SafeGold’s verification procedures.

You can request delivery for all or part of your gold holding, starting from 1 gm, and multiples thereof. You can select the quantity and denomination of the gold you wish to withdraw from the available options of coins. Each coin will have different making charges, based on the weight and design of the coin. You must confirm the transaction by paying the additional making and delivery charge. The coins will be delivered at your notified address by a logistics provider arranged by SafeGold, and you will receive a confirmation on your registered mobile number.

Once you place a delivery request, you have to accept the delivery made to you. It cannot be made at a later date.

Yes. You can enter a different address; however, verification of the address change request shall be subject to TMW’s norms. In the event that the new delivery pin code does not fall in our serviceable area, you may have to enter different address.

No, your address on the delivery request, once accepted on the TMW platform, cannot be changed.

No, you cannot cancel the purchase order of gold once it has been successfully placed on the TMW platform.

Once you place a delivery request, you must accept the delivery made to you. It cannot be cancelled or delivered at a later point in time.

In case of delivery of coin/ bar, the shipment will be mandatorily delivered to your registered address as provided by you and confirmed at the time of delivery request. SafeGold maintains a list of serviceable pin codes, and prior to making any purchase. You will be informed whether their pin code is serviceable by the us.

Yes, you will be required to pay the minting/ making charges, delivery charges and applicable taxes. All coins are independently assayed to certify purity and delivered in tamper proof packaging. Charges are as per the table below:

Coin Weight (gms) Minting Charge (₹)
1 360
2 390
5 510
10 640

No, only you can request for the delivery of physical coins from your SafeGold balance. However, in the event of your death, your legal heir will be able to collect the gold coins by showing their proof of identity of along with the original / notarized copy of the death certificate and proof that the person is your legal heir.

All our coins are hallmarked to certify purity and delivered in tamper proof packaging and are dispatched directly from our premises. The coins are also insured through transit, and checked before delivery to avoid any risk of fraud. However, in case of any discrepancy, please get in touch with our customer service centre.

At the time of deactivation, you will be offered the option to withdraw your SafeGold balance or request for delivery of your gold. Please ensure that your gold balance is nil in order to deactivate or close your TMW account.

SafeGold is neither a Collective Investment Scheme nor a Deposit. Thus, this plan doesn’t fall under the purview of SEBI or RBI, and there is no regulator for this product offering. To ensure that your interest is of foremost importance, a Security Trustee has been appointed for SafeGold. For any grievances specifically in relation to your gold purchase and related transactions, you can approach the Security Trustee.

Please raise a ticket or get in touch with TMW’s customer service centre, and we’ll respond to any queries you have on your gold account. TMW is available to provide the first level of support and SafeGold shall be available to address any questions/issues that may be escalated.

Your gold balance is accessible through your TMW account. You are responsible for the security of your username and password, and TMW shall not be liable for any losses or liabilities due to breach of your TMW account as a result of your incorrectly sharing your username and password. Please do not disclose your password to anyone verbally or in writing or record it elsewhere. Our customer service representatives will never ask you for your password.

TMW corporate wallet is a product that allows you to manage various facets of payroll management via a single portal. A plethora of payroll management activities can be realised through this single product, some of the key highlights are mentioned below:
a. Salary – Salaries can be credited in part or full through a single click.
b. Food Voucher – Food components of the salary can be credited to the food section without having to worry about paper based vouchers. (Coming Soon)
c. Expense Management – Employee reimbursement and advances can be managed easily via the portal. (Coming Soon)
d. Incentive – Employee incentives can be credited into the wallet. (Coming Soon)
e. Employee Gifts – Funds for employee gifts can be credited to the wallet immediately. (Coming Soon)

TMW operates as per guidelines laid down by Reserve Bank of India under the Prepaid Payment Instrument regulation. We operate as per our agreement with our partner bank Ratnakar Bank Limited.

TMW has taken all the requisite permission/s to create/manage/operate the product from its banking partner.

The registration is done by TMW personnel by creating an account for your organization and by creating a super admin as appointed by your organization. On successful registration the super admin receives a confirmation via email.

Once all the requisite documents have been received at our head office, registration is completed with 24 hours.

Super Admin is the user provided by your organization. Super Admin user has powers to further assign rights to the users to conduct Employee Upload, Transfer Funds to employee and further generate reports to view the same.
Note: All the password related info of super admin shall be available only to the email id used to create SUPER ADMIN .

The portal can have 1 super admin user. This user is created by TMW at the time of registration of your organization.

On successful account creation by TMW an email is sent to the email id that has been designated as a super admin role. This email id is the user name for super admin login. The email contains a link to the portal and the first time password.

Firstly check your spam section of the mail box. If the email is not there then probably the email address provided to us is incorrect. Please contact your Key Account Manager (KAM) immediately. A new email would be generated and sent to you again.

The super admin has maker and checker roles for all section of the portal i.e. he/she can edit/view all sections of the portal.

The portal has been divided into the 5 sections as listed below:
a. Dashboard – To get a quick glimpse of your account.
b. Manage Users* – Here you can create users for the portal and manage rights for these users.
c. Manage Employees* – In this section you can customise your department list, designation list and grade list. You add/upload your employee data to whom you would send funds.
d. Fund Management – To send money to the employee in food (Coming Soon) and wallet section
. e. Report – You can download various reports for your portal.
*User – The person using the portal to conduct various activities basis the permission and rights available in assigned role.
*Employee –The person whose data is fed in system and who shall receive digital money basis transfer done by the User.

You can create unlimited number users with two distinct roles i.e. Admin and Manager. The organisation is free to assign users in multiple departments.

We would assign a balance to you on successful realization of payment. We accept payments via account deposit/transfer and account payee cheques. Please contact your KAM for details.

We would assign a balance to you on successful realization of payment within 4 to 6 hours.

Your KAM will ensure a complete training is provided to the designated personnel of your organization.

You can create unlimited number of departments in the portal.

You can create unlimited number of designations in the portal.

You can create unlimited number of grades in the portal.

You can to go the “Manage Employees” section and perform the activities.

You can create unlimited number of employees in the portal. Employees can be added one by one or via a bulk upload using an excel sheet containing employee details. The time to process the request however depends upon the volumes. You can add 1000 employees at a time.

Yes, you can delete employee data at your discretion. However the employee/s can continue using the wallet as a customer.

You can edit certain data points i.e. department, designation and grade. However Name, Email Address and Mobile Number cannot be edited.

We follow stringent data privacy standards. Your employee data is not shared with any third party at any stage.

Employee will be provided a personalised card basis data provided by you. The card can be activated by the employees on receipt. Card activation process is mentioned on the packaging. In future employees can apply for physical card. HR need not do this through the portal.

Currently you can credit balance in wallet section.

Once you upload a request we process each request and block the account balance. On successful transaction your account is debited and employee account is credited.

You can have the form Filled and submit the documents to TMW. We would verify and confirm the KYC status. Only post confirmation at TMW the limits for the employees shall get upgraded.

Single request are processed almost instantaneously. However bulk request are processed in batches and may take up to 24 hours based on volume.

At the time of processing the request your balance should be greater or equal to the disbursement amount. In case of more than one request, all requests are rejected if the balance is insufficient.

There is no limit in terms of number of request and value.

No, once a request is processed it cannot be reverted. Hence we have a maker and checker process to address such issues. All requests are processed only subject to approval of the super admin.

Wallet limits are governed by Reserve Bank of India guidelines. The below grid is a snapshot the same
Instant Limit is the maximum amount of funds the wallet can have as a balance at any point (This value is sum of all credits received into the wallet).
Spend limit is the maximum amount of funds the wallet can spend in a month.

Wallet Type Definition Instant Limit Monthly Spend Limit
Minimum KYC The employee has not submitted any documents to KYC Rs. 20,000 Rs. 20,000
Minimum KYC - POS Card The customer can use the card for online and offline card payments Rs. 20,000 Rs. 20,000
Full KYC The employee has submitted KYC documentations Rs. 1,00,000 Rs. 5,00,000
Full KYC - POS Card The customer can use the card for online and offline card payments Rs. 1,00,000 Rs. 5,00,000
Full KYC - POS & ATM Card The customer can use the card for online and offline card payments and also perform ATM withdrawal Rs. 50,000 Rs. 3,00,000