�ܱ������®��is a fast and easy way for M&T customers to send money to almost anyone with a bank account in the U.S. With just an email address or U.S. mobile phone number you can now quickly and easily send money.

​W���ٳ����ܱ������®��you can send money to almost anyone you know and trust with a bank account in the U.S. You can send money directly from the M&T Mobile ��������ing app or in Online ��������ing.

�ܱ������®��is a great way to send money to family, friends, and people that you are familiar with such as your personal trainer, babysitter or a neighbor.

If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use���ܱ������®��for these types of transactions. Neither M&T nor���ܱ������®��offers a protection program for any authorized payments made with���ܱ������®��– for example, if you do not receive the item you paid for or the item is not as described or as you expected.

To get started with���ܱ������®, log into the M&T Mobile ��������ing app or in Online ��������ing and select Send Money with �ܱ������®��to enroll.

You can send, request��or��receive money with���ܱ������®.

To send money using���ܱ������®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.

To request money using���ܱ������®, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”.�� In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with���ܱ������®.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with �ܱ������®.