Terms and Conditions

01Who provides the service

Dash Cash is operated by DASH CASH HOLDINGS PTY LTD, referred to in these terms as “Dash Cash”, “we”, “us” or “our”. “You” means the individual customer using the service. A “beneficiary” is the person whose bank account or supported mobile wallet receives your transfer.

We are registered with AUSTRAC as an Independent Remittance Dealer, registration number IND286170655-001. AUSTRAC registration does not constitute an endorsement or guarantee of Dash Cash or its services and is not a banking licence.

02Agreeing to these terms

You must accept these terms through the account registration process before using our transfer service. Each transfer is also subject to the quote, payment instructions and other transaction conditions disclosed before confirmation. Creating an account does not guarantee approval of an account, beneficiary or transfer.

A transfer request is received when you submit it. It is accepted for processing when we confirm acceptance in your account or transaction notification. We will provide a transfer reference. We will not change a confirmed rate or charge without your agreement, except where a correction or action is required by law.

03Who can use Dash Cash

Dash Cash is available only to individuals aged 18 years or older who reside in Australia. You must register and use your account in your own name. We do not provide accounts for businesses or other organisations. Our service is for lawful, personal and non-commercial transfers. You may send money to your own personal account in Pakistan or to the personal bank account or supported wallet of a family member or loved one. Business purchases, supplier payments and trading activity are not permitted.

You must act on your own behalf, provide accurate information and complete the required identity checks. You must not operate an account for another person, use false details, receive funds from others to remit on their behalf, or use Dash Cash for illegal activity, money laundering, sanctions evasion or fraud. Register through Create Account.

04Verification and information requests

We verify customer identity and may request documents or information about your identity, address, source of funds, transfer purpose, relationship with a beneficiary, or account and card ownership. You must supply accurate information and keep your details current. We may delay or decline a transfer if required information is not provided or cannot be verified.

We may conduct ongoing checks and make reports or disclosures required by law. We may be legally restricted from explaining particular checks, reports or decisions. Read more in Security and Compliance.

05How you can fund a transfer

Transfers may be funded by debit card or bank account transfer, subject to availability in your account and payment-provider acceptance. Only the methods displayed for your transaction are available. We do not accept cash funding.

The debit card or bank account used must be your own personal card or personal bank account, held in your name. Do not use a business card, business account, another person’s card or account, or funds you are holding on behalf of another sender. We may request evidence of ownership and decline payments that do not meet this requirement.

For bank transfers, use the account details and payment reference displayed for your transaction. An incorrect reference, amount or payment destination may delay matching or processing. Contact us promptly if you make a funding error.

For debit-card payments, you authorise the displayed total payable to be charged to your card. Authorisation by your card provider does not by itself mean the remittance has been accepted or delivered. Processing may depend on settlement, verification and other required checks.

Your bank or card provider may apply its own charges or transaction classifications. Check with your provider before paying, including whether it will treat a remittance as a cash advance or similar transaction. Such charges are imposed by your provider, not by Dash Cash. This clause does not mean credit cards are accepted; only payment methods expressly offered for your transaction are available.

If a funding payment fails or is reversed before delivery, we may pause or cancel the transfer. If funds have already been delivered, we may request repayment of an unpaid amount that you lawfully owe. We will explain the basis of the request and investigate any dispute. Nothing in these terms removes a lawful right to dispute a payment or an unauthorised card transaction.

06Exchange rates and pricing

Before confirmation, your quote shows the amount sent in AUD, the AUD-to-PKR exchange rate, the beneficiary amount, the Dash Cash transfer fee and the total payable. Dash Cash charges an AUD 0 transfer fee. The exchange rate we offer may include a margin; it is not necessarily the wholesale or interbank rate.

A rate or calculator labelled illustrative is not a live quote. Exchange rates may change before you confirm. Where a quote has a validity period or payment deadline, it will be displayed. If the quote expires before the required payment conditions are met, we will explain the available options and obtain your agreement to any replacement quote before proceeding.

We do not control charges imposed independently by your funding provider, beneficiary bank or wallet provider. Any such charges known to us and relevant to your transfer will be disclosed before confirmation. Your beneficiary should check any charges or conditions applicable to their account.

07Transfer limits

The available limits are displayed in the transfer process. Limits may depend on verification, funding method, beneficiary, provider restrictions or a reasonable assessment of risk. We may request additional information or apply proportionate restrictions to comply with law or protect customers and the service. Do not split transactions to avoid limits or checks. Visit Help and FAQs for transfer guidance.

08Beneficiary accounts and delivery options

We provide delivery to bank accounts in Pakistan, including supported Roshan Digital Accounts, and to supported mobile wallets, including JazzCash where offered in the transfer process. Cash pickup is not available.

Our bank-account delivery service covers banks across Pakistan. A particular bank, account type or wallet may be temporarily unavailable or subject to eligibility, transaction limits and provider requirements. Check the destination options displayed for your transfer. Availability of a bank as a receiving destination does not itself mean we have a direct contractual partnership with that bank.

The beneficiary must be entitled to receive the transfer into the nominated account or wallet. Roshan Digital Account and wallet transfers are subject to the receiving institution’s rules, account eligibility, verification and permitted credits.

09Your responsibility for beneficiary details

You must check the beneficiary’s full name, bank or wallet provider, account number or IBAN, wallet number, and any other required information before confirming. Verify these details directly with the beneficiary. A format check does not prove that an account exists or belongs to the person named.

Banks and wallet providers may process payments using the account, IBAN or wallet identifier you supply. A name mismatch may not prevent crediting. Incorrect details can cause delay, rejection or payment to an unintended recipient.

Contact us immediately if you discover an error. We will take reasonable steps to request a correction or recovery where available, but changes and recovery cannot be guaranteed after submission or crediting. Subject to your legal rights, we are not responsible for loss caused solely by inaccurate details you supplied where we correctly followed your instruction and used reasonable care. This does not exclude responsibility for our own error, negligence or breach of law.

10Processing and delivery time

We aim to deliver promptly. Any instant-delivery indication is subject to cleared funding, required checks, supported destination availability and successful processing. The estimate shown before confirmation is an estimate unless we expressly provide a binding delivery commitment.

Processing can be affected by identity or transaction reviews, incorrect details, additional information requests, bank or wallet outages, payment settlement, public holidays or receiving-provider checks. We will provide status information available to us and reasonable assistance with an enquiry.

A bank or wallet provider in Pakistan may hold, review, reject or return a transfer under applicable law, State Bank of Pakistan requirements or its own account rules. The beneficiary may need to provide information directly to that provider. We cannot override those checks or guarantee its release time.

We are not responsible for a delay caused solely by an independent receiving institution where we have performed our obligations with reasonable care. We remain responsible for our own conduct and any responsibility imposed by law, including responsibility that cannot lawfully be excluded for providers acting on our behalf.

A transfer is completed when the receiving bank or wallet provider confirms credit to the nominated beneficiary account or wallet. Contact us if the displayed status differs from the beneficiary’s records.

11Cancellation and refunds

Contact info@dashcash.com.au as soon as you need to cancel or correct a transfer. Include your transfer reference. Cancellation depends on the processing stage and whether the instruction can still be stopped. Submitting a cancellation request does not guarantee cancellation.

Once a transfer has been successfully credited to the nominated beneficiary account or wallet in accordance with your instruction, it cannot ordinarily be cancelled or refunded simply because you change your mind or supplied incorrect details. Recovery would require cooperation from the receiving provider and, where applicable, the recipient, and may not be possible.

This restriction does not remove a refund, correction, compensation or other remedy you are entitled to under applicable law, including where we made an error or failed to perform our obligations.

If we decline or cancel a funded transfer before payout, we will return funds due to you, subject to any lawful restriction and any necessary recovery from a payment provider. We will explain the refund amount, method and expected timing. We will not retain your funds merely because an account has been suspended or closed.

Refunds will normally be returned to the original personal funding source. If that is not possible, we may arrange a verified personal account in your name. We will not make a refund to an unrelated third party.

Refund timing depends on the transaction status, funds recovery and payment-provider processing. We will provide an estimate when available and explain material delays. There is no general 72-hour deadline for contacting us, and no automatic cancellation fee or FX deduction under these terms. Any lawful charge or deduction must have an applicable disclosed basis and must not reduce a remedy you are entitled to by law.

Read our Cancellation and Refund Policy for the detailed process. It must be interpreted consistently with these terms and your legal rights; it does not permit undisclosed charges or override a confirmed quote.

12Account approval and restrictions

We may decline an application or beneficiary, review or reject a transfer, apply limits, suspend account access or close an account where reasonably necessary to comply with law, address suspected fraud or misuse, respond to a material breach of these terms, complete verification, meet payment-provider requirements, or manage a substantiated security or financial-crime risk.

We will use these powers reasonably and proportionately. Where lawful and practicable, we will explain the action, identify any information needed, and provide an opportunity to resolve a remediable issue. We may act immediately where advance notice would create a security or compliance risk, or where the law requires it. We may be unable to disclose protected information.

You may ask for a review through our complaints process. Restrictions do not remove your rights regarding outstanding transfers, funds due to you or a complaint. You may request account closure by contacting us. Outstanding transactions and lawful payment obligations must still be resolved, and records may be retained as required by law.

13Account security and suspected fraud

Keep your password, verification codes and access to your registered email and mobile secure. Do not share your account or allow others to use it. Contact us promptly if you suspect unauthorised access, a fraudulent transfer or a compromised card. Never send passwords or verification codes through a general enquiry form.

We will investigate reported unauthorised use and take reasonable steps to protect the account. Your responsibility for any loss depends on the circumstances and applicable law; we will not assume every transaction made using your credentials was authorised by you.

You must not misuse the website, interfere with security, attempt unauthorised access or use the service to deceive others. Before sending, independently check unexpected requests for money. A request from someone you know may still be fraudulent if their account or device has been compromised. Read our Fraud Awareness guidance.

14Privacy and records

We collect, use, retain and disclose information as described in our Privacy Policy and as permitted or required by law. This may include information needed for identity verification, payment processing, delivery, customer support, fraud prevention and regulatory reporting.

Information may be handled by service providers in Australia and overseas, including Pakistan for transfer delivery. The Privacy Policy explains the relevant practices and how to request access, seek a correction or make a privacy complaint. These terms do not waive applicable privacy protections or authorise unrelated marketing disclosures.

By giving us beneficiary information, you confirm you are entitled to provide it for the transfer purpose. Please inform the beneficiary that their information will be used to arrange and process the payment.

15Our responsibilities and your legal rights

We will provide our service with reasonable care and skill and comply with applicable law. Nothing in these terms excludes, restricts or modifies a right, guarantee, protection or remedy that cannot lawfully be excluded, restricted or modified, including applicable protections under the Australian Securities and Investments Commission Act 2001 and other Australian consumer protection laws.

We remain responsible for loss to the extent caused by our breach of these terms, negligence, fraud or wilful misconduct, and for any responsibility imposed by law. Statements about customer errors, third-party charges or receiving-bank delays must be read subject to this clause.

Where an event outside our reasonable control affects the service, we will take reasonable steps to limit its impact, provide relevant updates and resolve outstanding transfers or refunds. An outage or external event does not remove your right to funds or remedies owed to you.

16Notices and transaction records

We may send account and transfer notices through your Dash Cash account, registered email or mobile number. Keep your contact information current. Review your transaction records and report discrepancies promptly so we can investigate. A delay in reporting does not by itself remove a legal right or make an incorrect record conclusive. Use Transfer Tracking to sign in and review your transaction history.

17Complaints and transfer enquiries

For support or a complaint, email info@dashcash.com.au or use our Contact page. For a complaint, use “Complaint” in the subject and include your name, contact details, transaction reference, what happened and the outcome you seek. Do not include passwords, verification codes or full card details. See the Complaints section on our Contact page.

We will acknowledge your complaint, investigate it fairly and explain our outcome and reasons where lawful. If further information is needed or the review is delayed, we will keep you informed. You can ask us to review the outcome if you disagree. We will meet any response deadlines and external dispute-resolution requirements that apply to us.

This process does not prevent you from seeking legal advice, contacting an appropriate regulator, or using an external dispute-resolution body or court where you are entitled to do so.

18Changes to these terms

We may update these terms to reflect changes in law, service features, payment arrangements or reasonable operational requirements. We will publish the updated version with its effective date. For a material change that disadvantages existing customers, we will give reasonable advance notice through account or registered contact channels, except where a legal or urgent security requirement makes advance notice impracticable.

Changes apply prospectively and do not retrospectively alter the agreed rate, fee or other confirmed conditions of an accepted transfer. You may stop using the service or request account closure if you do not accept a change, without a closure charge. Outstanding transfers, refunds and lawful obligations remain to be resolved. Where required, we will ask you to accept the updated terms expressly.

19Governing law

These terms are governed by the laws of the Australian Capital Territory and applicable Commonwealth laws. The courts of the Australian Capital Territory have non-exclusive jurisdiction. This does not prevent you from using another court or tribunal where the law gives you that right, or remove protections that apply to you under mandatory law.

If a provision is unlawful or unenforceable, it is ineffective to that extent. The remaining provisions continue to apply where they can operate lawfully. A failure to enforce a provision on one occasion does not waive the right to enforce it later.

20Contact Dash Cash

DASH CASH HOLDINGS PTY LTD
ABN 45 697 007 873
AUSTRAC registration IND286170655-001
Email info@dashcash.com.au
Website www.dashcash.com.au