Lemfi
- LemFi is offering limited-time multiple benefits for remittance.
- Use Code: DEAL20 to register and get $20 back on a $50 currency exchange.
What is LemFi?
LemFi is a fintech company specializing in cross-border remittances for global immigrants. Originally named Lemonade Finance, it was founded in the US in 2020, with its European headquarters in London. LemFi is safe and reliable, independently holding local financial licenses in each market and strictly supervised by local financial regulatory authorities, providing fast, secure, and low-cost international transfer services for people living abroad (especially new immigrants and expatriates).
Comment to Win: Share a screenshot of using LemFi or leave a comment in this post for a chance to win a $50 Amazon gift card. 4 winners will be randomly selected on August 1st. Details are as follows:
To participate in the lucky draw, you must:
1. Order screenshot: A screenshot of an international money transfer using LemFi.
2. Comments: Total comments must exceed 10 characters. Meaningless spam (such as only emojis, requests for "mid" or similar), non-discussion comments, etc., will be considered non-compliant and will not be retained.
Currently live in the UK, US, Canada, Germany, and more, with over 2 million customers, supporting remittances to China, Nigeria, Kenya, India, Philippines, Ghana, and other countries. After downloading the app and registering, your first transaction enjoys a high exchange rate and zero fees, plus extra cashback rewards with the promo code!
What are the advantages of LemFi?
✅ 1. Low Fees / Great Exchange Rates
LemFi focuses on low-fee, secure, and fast international remittances. Your first transaction is $0 in fees. Starting November 3rd, the fee will be adjusted to $5.98 per transaction (for amounts over $101) and $6.98 (for $100 and under). Your first transaction also offers an excellent exchange rate, and subsequent rates are still competitive, especially suitable for users who make small, frequent transfers.
✅ 2. Fast Transfer Speed
Plus, your first transfer to WeChat gets an extra $5 bonus in points!
✅ 3. Supports Multiple Currencies and Countries
Although LemFi initially focused on the African market, it now supports more Asian countries like China, Vietnam, India, and the Philippines, making it ideal for diverse immigrant communities in the US.
✅ 4. Easy Registration / Just a Debit Card Needed
LemFi's registration process is simple, supporting US phone number registration. You only need a common US debit card to make payments, and third-party payment methods like Apple Pay are also accepted.
✅ 5. Great Benefits for New Users
New users usually receive a first transfer discount or cashback offer after registration.
· Share your personal referral code with friends, and both of you will get $20 cashback, which will be credited when the invited person transfers over $100.
✅ 6. Clear App Interface, Chinese-Friendly
The app interface is clean and intuitive, with many operations done in one click, making it user-friendly for those less comfortable with English. It also offers 24/7 Chinese customer service to help users with any questions.
🎯 Recommended for:
· When homesickness hits and you want to go on a shopping spree on Taobao and ship a bunch of goodies to the US.
· When you use a Chinese food delivery app and find out that paying with Alipay lets you enter a lucky draw or get discounts.
· When you're waiting for your Huabei installment payments after a Black Friday or Christmas shopping spree.
· When you want to send a red envelope to family and friends back home during holidays.
· When you want to invest in some gear for your favorite game but find out you need to pay in RMB.
· When you want to lend some emergency funds to a friend in China but realize you have no RMB savings left.
How to Register and Use LemFi
Download and try it now! Don't forget to take a screenshot of the page where you use the DEAL20 promo code to register!
问大家
: Haha, can I pay with a credit card? 哈哈 credit card能支付吗
: Credit cards cannot be used for payment, sorry. Only debit cards are accepted. 信用卡不能支付哦 不好意思 必须借记卡
回复 @小晓星 : No automatic approval, and it showed verification failed, but after two days of hard work, the transaction finally succeeded! 没有自动通过 还显示验证失败 但来之不易耗两天终于成功交易啦
: What is the maximum transfer amount without uploading SSN? Is there a monthly limit on the number of transfers? 不上传SSN的情况下最高汇多少？有没有一个月限制次数？
: The amount varies for each person. You need to register and check it in your profile, or you can contact the 24-hour WeChat customer service for inquiries. 每个人不固定哦 要注册后自己在profile查询一下 也可以联系24小时微信客服查询
回复 @柠檬7 : You can make transfers without uploading documents, but the single transaction limit is lower. 不上传也可以汇款哦 就是单笔额度小一些
: Can I bind a US phone number instead of a Chinese phone number for WeChat Pay? 微信收款的绑定电话是美国手机号不是中国的手机号可以吗
回复 @Ashdadada : You can get it, just complete the wire transfer. 拿得到哦 只要完成汇款就可以
: Sure, no problem! 可以的 没问题！
: Will the $50 rebate come with a tax form? Do I need to report it for tax purposes when exchanging currency? 请问返的50会收到税表吗？换汇需要报税吗？
: Currency exchange is considered a personal cross-border fund transfer and does not need to be reported for taxes in the United States. 换汇属于个人跨境资金划转，不需要在美国报税。
回复 @bearaaaaa : Calculate income without issuing a 1099 算收入 不发1099
: Does Alipay require binding a credit card?![[捂脸哭]](/assets/emoji/comment-emoji/dm_wulianku@2x.png?v=1)
支付宝需要绑定信用卡吗![[捂脸哭]](/assets/emoji/comment-emoji/dm_wulianku@2x.png?v=1)
回复 @多啦A梦的口袋妖怪 : Alipay requires real-name verification; otherwise, you cannot receive payments. 支付宝要实名的 不然没法收款哦
回复 @LEMFI美国助理 : Is it okay without real-name authentication?![[捂脸哭]](/assets/emoji/comment-emoji/dm_wulianku@2x.png?v=1)
没有实名认证也OK吗![[捂脸哭]](/assets/emoji/comment-emoji/dm_wulianku@2x.png?v=1)
: What form is the 50 yuan cashback? Is it used to deduct future transfer fees? 反50 是什么形式的，用于抵扣以后的转账手续费？
回复 @最可爱的小天使 : After verifying your SSN, deposit a small amount into your account and link your bank card, then you can transfer everything out together with the bonus! 验证SSN后 向账户充值一笔小额金额并绑定银行卡 然后再连着奖励一起转出就可以啦
回复 @匿名用户 : How to withdraw to a bank card? Can you provide a screenshot with a circle drawn on it? 如何提取到银行卡？能给个截图画个圈吗？
: What is the transfer limit? 请问转账额度是多少
: After verifying SSN, $4,000 per transaction, $8,000 per day, $32,000 per month. 验证ssn后 美元每笔4000 一天8000 一个月32000
回复 @LEMFI美国助理 : Thank you 谢谢
: Can I transfer money from China to the United States? 可以从中国转账到美国吗？
: No, you can't. 不可以哦
回复 @LEMFI美国助理 :![[捂脸哭]](/assets/emoji/comment-emoji/dm_wulianku@2x.png?v=1)
![[捂脸哭]](/assets/emoji/comment-emoji/dm_wulianku@2x.png?v=1)
So upset ![[捂脸哭]](/assets/emoji/comment-emoji/dm_wulianku@2x.png?v=1)
![[捂脸哭]](/assets/emoji/comment-emoji/dm_wulianku@2x.png?v=1)
难受
: How long does it take for the cashback to be credited? 返现多久到账呀？
: Fastest within 2 hours, generally arrives within 24 hours after payment is received. 快的话两小时，一般收款后24小时内到账
: My cashback arrived instantly. 我的返现秒到账
: Have you used this one before? Is it good? Arrives in 3 minutes, that's really fast. 有用过这家吗？好用吗？3分钟到账，速度很快啊
: Works well, and it arrived very quickly. 好用，到账很快
最新评论 1047
: Sounds great! I'll look into it when I have time. 听起来很不错的感觉耶，有空研究研究
: Are gift cards still available now? 现在还有送礼卡吗？
: The recipient is in the US—can money be transferred to their own Alipay account in Mainland China? Will the recipient need to receive a verification code? 收款人在美國，可以打到自己在國內的支付寶嗎？收款人會需要收認證碼嗎？
: Awesome, no more having to ask someone else to exchange it! 太好了，终于不用找别人换了
: I find this currency exchange very convenient—no need to find someone offline or bother others. 感觉这个换汇很方便 不用线下找人 麻烦别人
: When using LemiFi to transfer money to Alipay for overseas shopping, just transfer the purchase amount at checkout, and it will arrive in about 1 minute. 用LemiFi转账到支付宝海淘，结账的时候再按购买金额转，等个1分钟左右就能到账
: Fast transfers and a smooth process—it's quite hassle-free for everyday use. 转账速度快、流程顺手，日常用起来挺省心
: I like that LemFi has low fees and supports WeChat withdrawals, and the first time is fee-free. 喜欢LemFi低手续还能微信收，第一次免手续费
: First transfer is free of handling fees, everyone can go for it without hesitation! 第一次汇款免手续费，大家可以无脑冲啊
: The exchange rates and fees at LemFi are much more cost-effective than when I used to transfer directly through the bank. LemFi 的汇率和手续费比以前用银行直接转划算多了
: I tried using LemiFi to send money, and the first transfer had no service fee. The money arrived in WeChat very quickly. 试用了下用LemiFi汇款，第一笔免手续费，微信到账速度非常快
: LemFi currency exchange: fast, secure, convenient, and beginner-friendly. Absolutely awesome!![[种草]](/assets/emoji/comment-emoji/dm_zhongcao@2x.png?v=1)
LemFi换汇，极速安全、方便快捷，新用户友好，棒棒哒！![[种草]](/assets/emoji/comment-emoji/dm_zhongcao@2x.png?v=1)
: I keep seeing ads recommending this! Especially through online recommendations like this. It seems like it should be pretty good, so I'll grab the chance to give it a try. 经常看到广告推荐！特别是咱们这个网络推荐.感觉应该是不错的，凑个机会机会试试吧。
: Low tuition fees and favorable exchange rates—super convenient! 收学费低汇率低，太方便了
: This is incredibly fast—saves time and is super convenient. Most importantly, it's safe. 这个极速太快了 省时间又方便 最主要安全
: Lemfi charges low fees and is easy to use—definitely worth trying for new users. Lemfi 手续费低，操作简单，新用户值得尝试
: This is indeed very convenient! No more worrying about the hassle of converting US dollars to RMB. 这个确实很方便呀 再也不用担心美金不方便换成人民币啦
: The low transaction fees are really a plus, unlike other platforms where fees keep climbing higher. 低手续费真的不错，不像其他平台手续费越来越高
: Looking for a low-transfer-fee, easy-to-use option with Lemfi. 找到Lemfi转手续费低，操作简单
: Lemfi has low fees, simple operation, and great perks for new users. Lemfi 手续费低操作简单新用户福利很给力