How to Send Money Abroad for Property Safely (2025): Transfers, Proofs, and Compliance

Paying for property abroad is not just about moving funds — it’s about safe routing, proof strength (MT103), and compliance (KYC/SoF). Use the guide below to choose the right rail, stage payments, and keep a clean paper trail for notaries and registries.

What you’ll learn in 60 seconds

• Which transfer methods are safest (bank wire vs escrow vs client account)
• How to structure payments in stages and align MT103 with contract wording
• Which KYC/SoF documents are usually required and when
• Common mistakes that cause rejections or delays — and how to avoid them

Payment methods compared — one clear table

Safe process — step by step

1) Verify counterparties: seller identity, notary registration, and beneficiary bank details from official docs.
2) Stage the payments: reservation → exchange → completion; each tranche tied to a document.
3) Prefer escrow/client accounts: funds release only after contractual milestones are met.
4) Align narratives: wire description must mirror contract/deed (lot, unit, contract number, buyer name).
5) Archive proofs: keep MT103, contracts, and the completion statement in one file. For structured templates and checklists, review practical guidance.

Wire narrative — reusable templates

• Reservation: “Reservation for unit [Project/Unit/Block], Buyer [Name], Contract #[…]”
• Exchange: “Deposit (exchange) for unit [..], Buyer [..], Contract #[..], per clause X.Y”
• Completion: “Completion funds for unit [..], Buyer [..], Deed #[..], per completion statement dd.mm.yyyy”

Compliance essentials (KYC/SoF)

• KYC: passport/ID, proof of address, and sometimes a video/KBA check
• SoF: statements and contracts showing how funds were built (salary, savings, asset sale)
• Consistency: names and amounts must match deed, contract, and MT103
• Insurance & permits: where required by jurisdiction, prepare ahead of completion

Two expert notes

“Never release full funds before the deed is executed and filed — stage every transfer.” — Carrie, Head of Sales

“Registries check consistency: contract wording, wire narrative, and MT103 must match line by line.” — Daniel, Legal Counsel

Common mistakes (and quick fixes)

Cash or informal routes → not accepted by registries; use bank/escrow with proofs.

All funds in one go → stage by milestones to reduce risk.

No MT103 or wrong narrative → request proofs and copy wording from the contract exactly.

Ignoring KYC/SoF → prepare documents early to avoid delays at completion.

FAQ

Which method is safest? Escrow or a solicitor/notary client account, with MT103 proofs and staged releases.

Do I need proof of funds origin? Yes — most banks/notaries require SoF (statements, contracts) before completion.

Can I use an FX provider? Yes, if they issue bank-standard proof (MT103) accepted by the notary.

How do I avoid payment disputes? Align narratives with the contract/deed and keep a complete paper trail.

What this article answers

• How can I transfer property funds abroad safely? The safest rails and when to use each.
• What proofs will the notary accept? MT103 with correct narratives + matching contracts.
• How should I structure the payments? Staged tranches tied to documents.
• Which pitfalls delay registration? Cash routes, one-shot transfers, missing KYC/SoF.
• Where to get templates? See the advisory page for checklists and sample narratives.

Next steps

For a complete set of templates (staged payment schedules, narratives, and filing checklists), explore our materials and see practical guidance for compliant overseas transfers.

VelesClub Int. supports buyers with safe transfers, escrow structures, and complete proof trails worldwide.