Top 8 Zelle Alternatives for International Payments & Money Transfers
Table of Contents
Author: Artiom Pucinskij
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Table of Contents
Zelle is great if you’re sending money across the street. But when it comes to international transfers, it hits a wall. You can’t send money abroad, you need a US bank account to use it, and there’s no support for foreign currencies or global delivery methods.
We’ve first hand tested and reviewed the best Zelle alternatives for international transfers, whether you’re sending to family, paying friends, or managing global expenses.
Each one of the listed apps like Zelle work well for personal use, is available in the US (and in some cases the UK too), and offers better international reach, speed, and pricing than Zelle ever could.
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Zelle doesn't support international transfers
Zelle is only available in the US and is used for domestic transfers (within the US). It does not support international money transfers.
Top Zelle alternatives at a glance
Here are the top alternatives for sending money internationally, and when they might be a better fit:
Wise - Best for personal international transfers with mid-market exchange rates, transparent fees, 70+ countries and instant delivery on 74% of transfers.
WorldRemit - Ideal if your recipient needs cash pickup, mobile wallet, or airtime top-up options, especially in Africa or Asia.
Revolut - Good for UK and EU users who want banking and transfers in one app, with extras like budgeting tools and travel perks.
Paysend - Great for simple, low-cost card-to-card transfers. Super fast and user-friendly.
Instarem - Strong choice for Asia-focused transfers, often fee-free with competitive rates and a clean mobile app.
CurrencyFair - Best for bank-to-bank transfers with a flat fee and the option to exchange currencies with other users for better rates.
MoneyGram - Reliable for cash pickup or in-person transfers, with a massive global network. Good for one-off or unbanked recipients.
Monzo - A solid pick for UK-based users, thanks to its integration with Wise and smooth mobile banking experience.
Why You Might Need an Alternative to Zelle
Zelle is fast, free, and easy as long as you’re sending money within the US But the moment you try to send funds internationally, well, you can’t.
And it’s not just that, here are a few more reasons why there’s a need for an alternative:
No international transfers - Zelle only works with US banks and US phone numbers. You can’t use it to send money abroad, even to Canada or Mexico.
No currency conversion - Zelle doesn’t support foreign currencies or international bank accounts. Everything stays in US dollars and within US borders.
No cash pickup or wallet support - If your recipient doesn’t have a US bank account, you’re out of luck. Zelle doesn’t support cash pickups, mobile wallets, or alternative delivery methods.
Limited to eligible US banks - Both you and your recipient need a participating US bank. No workarounds, no exceptions.
If you’re sending money to friends or family overseas, or just need more flexibility, switching to an international-friendly provider is the way to go.
Here’s a quick roundup of top Zelle alternatives before we go into each in more detail:
Provider | Availability | Payout Methods | Exchange Rate | Fees | Speed |
|---|---|---|---|---|---|
Wise | 70+ countries (US + UK) | Bank transfer, Wise app | Real mid-market rate | Low + transparent | Instant–1 day |
WorldRemit | 130+ countries | Cash, mobile, bank | Markup applied | Low to moderate | Minutes–1 day |
Revolut | 35+ countries | Bank accounts, Revolut wallets | Mid-market (tiered) | Free up to limits | Instant–3 days |
PaySend | 170+ countries | Cards, bank accounts | Small markup | Flat (~$2) | Minutes–1 day |
Instarem | 50+ countries | Bank account | Small markup (<1%) | Often free | Same-day–2 days |
CurrencyFair | 150+ countries | Bank account only | Mid-market or better | Flat (~€3) | 1–2 days |
MoneyGram | 200+ countries | Cash pickup, mobile, bank | 1–4% markup avg | Low (<$5K) / High | Minutes–1 day |
Monzo | UK only | Bank transfer via Wise | Real mid-market rate | Low (via Wise) | 1–2 days |
Wise
Wise
Wise is the best overall alternative to Zelle if you want to send money internationally.
It’s just as easy to use, works in both the US and UK, and offers far better value than traditional banks or PayPal.
No cash pickup or wallets here, but for most Zelle users, that’s not a dealbreaker.
If you care about getting the best rate and knowing exactly what you’ll pay, Wise should be your first stop.
Wise is the closest thing to a like-for-like Zelle replacement when you need to send money abroad. It’s fast, intuitive, and cheap, with no hidden exchange rate markups and full price transparency before you hit send.
Unlike Zelle, you can send internationally to 70+ countries, and unlike PayPal or Xoom, the fees won’t catch you off guard.
You don’t get cash pickup or mobile wallets here since Wise is strictly bank-to-bank or card-to-bank, but that’s all most Zelle users need anyway.
Transfers are typically completed same-day or faster, and the app experience is one of the best on the market.
Why choose Wise instead of Zelle?
Sends money internationally at the real exchange rate with no markup
Transparent pricing with no surprises
Same-day or instant transfers in many popular corridors
Rated 4.5+ on both app stores with 10 M+ downloads
Works well from both the US and the UK
Quick summary
Feature | Wise |
|---|---|
Availability | 70+ countries |
Exchange Rate | Real mid-market rate |
Fees | Low, transparent fees |
Payout Methods | Bank account |
Typical Speed | Instant to 1 day |
Best For | Transparent, low-cost global P2P |
Please share your experience with Wise
Would you recommend Wise?
Russell Pinkes
I can’t send money to Belize
Katsiaryna
Once trying to open sire, was automatically blocked for no reason
Alan
Unable to transfer money from Philippines to any other country. Philippines Wise does not work
Anonymous
Retiro de dinero en transferencia
Uwe
great rates and service - unfortunately for some countries not yet available
Martin Premprakash Anantharaman
On the first transfer to a hospital in NY they were already screaming that this was a sure scam and the same on my next transfer to a fried in Nigeria. They then summarily closed my account TERMINATING THE RUNNING TRANSFER TO NIGERIA, claiming that, hold on, I was being scammed🤦♂️ Sure, I could have appealed but immediately found that I would have had to provide so much intrusive detail that I desisted.
Martin Premprakash Anantharaman
Setting up is a bit unwieldy if you want to make a one-off transfer, as you have to create an account with complete identification - but it works and the process as well as charges are great.
Anonymous
My brother wants to send me money from India to Nigeria but he's finding it difficult how can he do it
Mohammed
WARNING : Wise was Great until main office decided to ruin WISE By letting the TW India office control handling Random verifications and do what ever they want by insane replies and no replies etc. If you want to waste your time and enjoy a journey into Black Hole of Insane then go ahead and try WISE !
Anonymous
Can't receive money from php to idr so far
sudheir
They don't allow transfer to Brokerage firms from India
Anonymous
Good app to transfer money
Anonymous
I didn't find Cuba on your list.
Anonymous
cuba not work
Nina
I made a transfer to a Canadian company 1.5 months ago, and the funds have not yet been received. After multiple emails, Wise insists that the money was paid out. However, I have received an official statement from the recipient’s bank confirming that the money has not been received. Wise's complaints department sent me a final letter stating that, according to their records, the funds were paid out. Additionally, Wise states the following in their Customer Agreement regarding their responsibility for losses: Quote from Wise's Terms: "Our Customer Agreement also explains our responsibility for losses in Section 29: 29.1 Unforeseeable loss or damage. We are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during your sign-up process. 29.9 We are not liable for things which are outside of our control. We (and our affiliates) cannot be liable for our inability to deliver or delay because of things which are outside our control." Despite these terms, Wise has not been able to resolve this issue, and the money has still not been delivered as promised. I find it irresponsible that Wise does not conduct any investigations into the matter. The Canadian bank associated with Wise is unable to provide any information, as everything goes through Wise. Wise must be capable of tracking the funds and providing precise details about where exactly the money is, who received it, and to which bank account it was deposited. I would advise everyone to be cautious when transferring large sums of money with Wise. They are not capable of executing a secure money transfer!
Shengjie Yin
good and perfect
Tristan
Beware: Wise's Unethical Policies and Unresponsive Support Cost My Business I am sharing my experience with Wise to warn fellow business owners about the serious risks and unacceptable practices you may encounter if you choose to use their services. My business, is a legally registered travel agency in the UK, and I relied on Wise to manage payments for my photography and cultural tours, primarily in South America. Things took a turn for the worse when Wise froze my account and accused my business of violating their Acceptable Use Policy, citing my once-a-year humanitarian trip to Cuba. Despite explaining multiple times that: No Cuba-related transactions were ever processed through Wise (I use a separate European bank for this purpose), My tours comply with the “Support for Cuban People” category authorized by OFAC, designed to help Cuban citizens outside state control, Wise completely ignored the facts. Their customer support team responded with automated messages, refused to engage in any meaningful dialogue, and even lied, claiming they didn't monitor my emails—despite clear evidence to the contrary. After days of chasing them and providing thorough documentation, they chose to close my account without justification. The Consequences: Wise left my business in chaos, disrupting essential transactions and client arrangements. Their rigid policies align with sanctions widely condemned by the global community, and in doing so, they indirectly support humanitarian suffering. The Bottom Line: Wise is unreliable, unresponsive, and unethical. If your business has any complexity or humanitarian focus, beware: Wise will shut you down without notice or explanation, and customer support will abandon you. Their actions have serious real-world consequences. Avoid Wise if you value your business stability or require ethical and accountable financial services. There are far better alternatives out there that won’t put your livelihood at risk Beware: Wise's Unethical Policies and Unresponsive Support Cost My Business
Anonymous
I have been a customer for a few years. Yes I love the instant deposits as I make around $1K. However as many non US entities Wise uses a bank out of New York. Therefore the TRANSFER and DEPOSIT from an account transfer can take 4 to 6 days. What this means is that you will not able to make another ACH transfer during this time. This is frustrating if you have to make a follow up transfer in a few days. All in all don't plan to make more than 4 transfer in a month because it may not fo through, Not sure if other transfer companies operate the same way but I am about to find out as I will try Revolute. Bottom linw will require you to use ANOTHER payment method like credit card or some other method. Understand this: YOU MAY HAVE THE MONEY IN YOUR ACCOUNT but they WILL NOT TRY TO VERIFY IT WITHIN THE THE PERIOD IT WILL TAKE THEM TO DEPOSIT IT IN YOUR ACCOUNT. To add insult to injury I called in and the agent siad that they can see that they got paid but the computer takes time to update/reconcille I guess! It is a slow system!
Anonymous
There is a lot of advice on RECEIVING INHERITANCE in the UK from overseas but nothing on the rules for SENDING money gifts to grandchildren living OVERSEAS and the rules on Inheritance Tax in that case.
Anonymous
The service is decent, nothing more. I have had security issues that are not quickly resolved. Call center personnel are average. The app is not, in general, user friendly. You should definitely do research on a variety of service providers before making a choice. Do not take the reviews at face value. I chose Wise based on positive reviews but now regret not doing more research on other companies.
Anonymous
So far so good
Daniel
I checked to see if Wise even sends money to Colombia. Colombia is not even in their list of countries. Why is it even advertising for Colombia?
Bill Sanders
I have used Wise for several years. They once rejected a large transfer because it was to a coal company. Apparently, they are a woke company! But they refused to tell me why. More recently, they required verification of my identity using a smart phone. I am 69 and never owned a cell phone because I don't need one. But they forced me to buy one, which I did last week. Getting the phone updates ate up all my data, so i got 1 GB more. I took 12 different pics of my passport and another 12 of my face for them. They rejected them - and are holding up my transfer. Now my phone ate up that gig of data and I must buy another gig (thru Tracfone) just to use the phone. What a hassle. This is not a photo studio! They know who i am already. Note: This comment has been edited by the MoneyTransfers.com team to align with our content guidelines.
Ziggy Meilus
It used to be always instant, now it may come right away or it can take 5 even 7 days to get the money.
Anonymous
i've heard of people having issues with accounts being locked/restricted, but i think that was mostly for business accounts, maybe they were locked for good reason. for me, i've had no issue with my account though i've only used it for small transfers and not very often, over the past 5+ years
To learn more, read our Wise review or watch our video review:
WorldRemit
WorldRemit
If your recipient doesn’t use a bank, WorldRemit is a better Zelle alternative, simple, global, and flexible.
If you’re sending money to someone who doesn’t have a bank account, or you need flexible delivery options like airtime top-up or mobile wallet, WorldRemit is a top Zelle alternative.
You can send from the US or the UK to 130+ countries, and the recipient can choose how they want to get the funds.
Fees and exchange rates vary by country and method, so it’s worth checking before you confirm.
But for remittances, especially to Africa, Asia, and Latin America, WorldRemit is one of the easiest options around.
Why choose WorldRemit instead of Zelle?
Send to 130+ countries, even if the recipient is unbanked
Supports cash pickup, mobile wallets, bank transfers, and more
Great app experience for personal use
Transparent pricing before you send
Quick summary
Feature | WorldRemit |
|---|---|
Availability | 130+ countries |
Exchange Rate | Markup applied |
Fees | Low to moderate (varies by route) |
Payout Methods | Cash pickup, mobile, bank |
Typical Speed | Minutes to 1 day |
Best For | Sending to unbanked recipients |
Please share your experience with WorldRemit
Would you recommend WorldRemit?
Andrew Judd
My account was deactivated. No reason given. I don’t have multiple accounts. One recipient was a scammer and I deleted them. I’ve helped out many friends with medical expenses. Wisdom tooth extracted 2500 and 1000 for some food. That’s all Motorcycle accident 5000 that’s all Flight home and medicine for grandfather 6000 That’s all. The scammer offered a video. I don’t buy any videos I’m visiting a friend who is a teacher and offered to pay 2600 for a flight and 16000 for luggage, swimsuit and rent on her place while she is off work and holidaying. Now I have to go to a post office and use western union
Terry Twala
Very efficient.
Anonymous
Very misleading, live exchange rate does not match with their app is showing. Fast and seems to be secure, I use them when I'm in need to send fund ASAP.
Anonymous
different price from shown here
Anonymous
exchange rates on comparison website are quite high
Anonymous
Only phone app.
Stanley Davidson
After setting up a valid account with all true and real identity, the system blocked me without any valid reason. Upon calling Customer Service & requesting a reconsideration & a valid reason why I was blocked, Customer Service said that I "violated some TOUs" (Terms Of Use) without stating exactly what I did. My ONLY action was an ATTEMPT to do a normal wire transfer. One can't do anything but to do a wire transfer, & it WAS NOT completed. How do they block my account for something, whatever it was, that I supposedly committed? When I requested the reason for the block they'd said that "it's Company policy to not provide reason(s) why an account is blocked", so exactly how am I supposed to not do something if I re-read their Policy against such action when I can't find why I was blocked? It was asked repeatedly why/what Policy(ices) was/were broken enough to cause the account to be blocked, but they'd completely refused to answer or acknowledge the question, they'd just kept completely silent. That ended the conversation because anything further would remain in total silence, so it was useless to ask anymore questions. I will be 💯% posting this exact statement on www.trustpilot.com for the world to see how undeserving this company is when mistreating a customer for no valid reason. Please enjoy the review!!!
Anonymous
Awesome service
Anonymous
I cannot figure out how to fund my transfer with my bank account instead of a debit card. The Chat service took way to long to answer my questions. Frustrating experience.
Robert Myles
Hi All a good place to send money to ghana
Jake Reynolds
Is this company an app? Or does it run a proper website? Who knows? Customer service is only through their app so I am guessing that if you dont do 100% of your transactions through your phone, forget WorldRemit. I dont use my phone because after all the extra strong passwords, and bio id, and 2 step verify, and whatever comes next they are STILL UNSECURE.
Anonymous
The money I sent got stuck without a return because I couldn't provide a bank statement as proof. The bank account I was having didn't have that privilege. All requirements should be stated beforehand.
Anonymous
app not working. tried to use on my smart phone and woudnt sign up.
To learn more, read our WorldRemit review or watch our video review:
Revolut
Revolut
Revolut is ideal if you want more than just transfers, a solid Zelle alternative with perks.
Revolut is more than just a transfer app, it’s a full banking alternative that also handles international transfers well.
You can send money globally at near mid-market rates, and it’s especially handy if both sender and recipient use Revolut (transfers are instant and free).
Just note that fee-free limits apply based on your account tier, and it’s a better experience for users in the UK and EU than in the US.
Why choose Revolut instead of Zelle?
Instant free transfers between Revolut users
Great for travel + spending abroad
Can hold dozens of currencies in one app
Works as a full banking app replacement
Quick summary
Feature | Revolut |
|---|---|
Availability | 35+ countries |
Exchange Rate | Mid-market with some limitations |
Fees | Free up to limits, then 0.5–1% |
Payout Methods | Bank accounts, Revolut accounts |
Typical Speed | Instant (Revolut), 1–3 days (bank) |
Best For | Every day use + travel transfers |
Please share your experience with Revolut
Would you recommend Revolut?
Anonymous
Family purpose
Anonymous
Our family and in-laws use revolut for when they come to the UK, when we're in Germany, France or Portugal to pay each other back for holiday expenses for our families such as shopping, meals, petrol, gifts etc. It's great.
Anonymous
not competitive
Anonymous
Yes i recommend
Malek
Does not support transactions for people resident in algeria
Gigani
Excellent service
Eric
Does not support transactions for people resident in Indonesia
Anonymous
Excellent
František
I have had Revolut for a long time and I can recommend, the best app for me Note: Translated from "Revolut už mám dlouho a můžu doporučit za mě nejlepší aplikace"
Anonymous
I haven't been able to set up. it won't resend the codes
Paysend
Paysend
Paysend is perfect if you want fast, card-based transfers with no setup stress.
Paysend is a great Zelle alternative if you want to send money fast using just a card.
It’s available in 170+ countries, and you can send directly from your debit or credit card to someone else’s card or bank account, no lengthy setup needed.
It’s one of the cheapest options for small transfers, especially across borders, and the flat $2-ish fee is hard to beat.
Why choose Paysend instead of Zelle?
Send to a card, not just bank accounts
Flat low fee (often $2 or less)
Super simple, you can almost literally send money in seconds
Available in 170+ countries
Quick summary
Feature | Paysend |
|---|---|
Availability | 170+ countries |
Exchange Rate | Small markup |
Fees | Flat low fee (~$2) |
Payout Methods | Bank accounts, cards |
Typical Speed | Minutes to 1 day |
Best For | Quick card-to-card transfers |
Please share your experience with Paysend
Would you recommend Paysend?
Fredrick Ndongwe
Difficult to register and use
Anonymous
Too expensive
Anonymous
Flaw in program and help was decidedly unhelpful
Anonymous
It has a lot of fault especially when it comes to payment
Anonymous
Asked for too much personal information
Instarem
Instarem
Instarem is a hidden gem if you’re sending to Asia or want super low fees.
Instarem flies under the radar, but it’s a strong Zelle alternative for sending money to Asia or Latin America.
Fees are often $0, and exchange rate markups are typically lower than big-name players.
The app is clean and easy to use, though some routes (like to Africa) are limited.
Just note that some US users may face slightly clunky onboarding compared to Wise or Revolut.
Why choose Instarem instead of Zelle?
Zero or low fees on most transfers
Very competitive exchange rates
Great for sending to India, Philippines, etc.
Reliable mobile app
Quick summary
Feature | Instarem |
|---|---|
Availability | 50+ countries |
Exchange Rate | Small markup (often <1%) |
Fees | Often $0, varies by route |
Payout Methods | Bank account |
Typical Speed | Same-day or 1–2 days |
Best For | Asia-focused transfers |
Please share your experience with Instarem
Would you recommend Instarem?
Anonymous
To hard to sign up
Anonymous
my country is not listed(swaziland)
Ashish Jain
I transferred money from UK to USA on 05th June. However, until now the money has not reached the recipient account. I have been trying to contact Instarem by logging in to my account but I can't log in as I have been banned temporarily by instarem as per the error message . There is no other way of contacting instarem as they send dontreply emails. The recent email I have received today is that there is delay in your money transfer and we will get back to you asap. After I wrote review on Trustpilot and Monito, Instarem contacted me - "We acknowledge receipt of your complaint dated 8th June 2025 and have assigned a ticket to it. We would like to inform you that we have received the bank statement shared by you. However, we also request you to please share a selfie with proof of identity (Passport/Driving License), so that we can process the transaction for you." It's a ridiculous response as firstly I had already provided my passport image before money transfer and now if I want to provide my passport and selfie (as requested) I can't do it as I can't log in to their website and there is no email address to write to. I am wondering whether I have been scammed? Can you please help me in contacting Instarem as I can't contact them.
warren
I dont use phone verification
Anonymous
Expensive rate of charge
Jaime A
Excellent online service, so far
Anonymous
Reliable fast trustworthy
CurrencyFair
CurrencyFair
CurrencyFair is a strong Zelle replacement for global bank transfers, especially if you care about getting a better rate.
CurrencyFair is ideal if you’re sending money internationally from your bank account to another, especially for Europe, the UK, Australia, and a few other major markets.
It uses a peer-to-peer model to offer better-than-bank exchange rates, plus a flat transfer fee of around €3.
There’s no flashy app design here, but the value makes up for it.
It’s not great for instant payments or mobile wallets, but if you’re moving money between accounts, it’s a solid Zelle alternative.
Why choose CurrencyFair instead of Zelle?
Excellent rates via peer-to-peer currency exchange
Flat, transparent fees (around €3 or equivalent)
No limits on transfer amount
Great for Europe, UK, Australia
Quick summary
Feature | CurrencyFair |
|---|---|
Availability | 150+ countries |
Exchange Rate | Mid-market or better |
Fees | Flat (~€3), low FX markup |
Payout Methods | Bank account only |
Typical Speed | 1–2 business days |
Best For | Cost-effective bank transfers |
Please share your experience with CurrencyFair
Would you recommend CurrencyFair?
Anonymous
I dont give out my SS number online
Mark
I have money to send, but I'm not going to send a utility bill, this is ridiculous.
Anonymous
Another site thats makes you jump through hoops, Do you want my first born child too?
To learn more, read our CurrencyFair review or watch our video review:
MoneyGram
MoneyGram
Not the cheapest, but good for urgent or in-person transfers where cash is key.
If your recipient needs to pick up cash or doesn’t have a bank account, MoneyGram is a practical Zelle alternative.
You can send online or in person, and the recipient can collect the funds at 200,000+ global locations.
That said, fees are high on transfers over $5,000, and the digital experience isn’t as smooth as modern apps.
But for one-off or emergency remittances, especially in-person, it’s reliable.
Why choose MoneyGram instead of Zelle?
Cash pickup and in-person service in 200+ countries
Fast, same-day availability for many transfers
Works well even if the recipient is unbanked
Multiple ways to send (online, app, agent)
Quick summary
Feature | MoneyGram |
|---|---|
Availability | 200+ countries |
Exchange Rate | 1–4% markup |
Fees | Low under $5K, high above |
Payout Methods | Bank, cash pickup, mobile |
Typical Speed | Minutes to 1 day |
Best For | Cash pickup & unbanked recipients |
Please share your experience with MoneyGram
Would you recommend MoneyGram?
Anonymous
If you forget your password have amagnifying glass handy because you cant even read the messages they send
Anonymous
Best in industry. Well respected.
Monzo
Monzo
Mainly for the UK users, but if that’s you, Monzo + Wise is the best combo for Zelle alternative.
Monzo is one of the top digital banks in the UK, and while it's not available in the US, it’s a great Zelle alternative for Brits sending money abroad.
Thanks to its integration with Wise, you get great exchange rates and low fees right from the Monzo app.
It’s smooth, modern, and packed with features, perfect if you're already using Monzo for your day-to-day banking.
Why choose Monzo instead of Zelle?
Integrated with Wise for great rates on transfers
Excellent mobile banking app (UK-only)
Ideal for UK residents sending abroad
Transparent fees and real-time notifications
Quick summary
Feature | Monzo |
|---|---|
Availability | UK only |
Exchange Rate | Mid-market (via Wise) |
Fees | Low, Wise-based |
Payout Methods | Bank accounts (via Wise) |
Typical Speed | 1–2 business days |
Best For | UK users sending abroad |
Please share your experience with Monzo
Would you recommend Monzo?
Be the first to leave feedback for Monzo.
We strongly recommend running a quick search using the form below to get the latest exchange rates for your needs.
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A bit more about Zelle alternatives
Can you use Zelle internationally with a VPN or workaround?
No. Zelle requires a US bank account and US phone number. VPNs won’t bypass these core restrictions.
Is Wise or Revolut better than Zelle for personal use?
Wise is better for straightforward transfers with no account tiers.
Revolut is great if you also want budgeting, crypto, or multi-currency spending tools.
What’s the best option if my recipient doesn’t have a bank account?
WorldRemit and MoneyGram both offer cash pickup and mobile wallet options in hundreds of countries.
Do I need to verify my identity to send money abroad?
Usually, yes. Most providers require ID verification once you go above low daily or lifetime limits, it is a legal requirement in most countries.
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