# TC Pay \| Payment Solutions — Your All-in-One Forex App > Official Thomas Cook app for managing forex cards, buying currency, and international money transfers. (iPhone/iPad app by Thomas Cook India Ltd..) - Source: https://appshunter.io/ios/app/tc-pay-payment-solutions/id1658545915 (this page in markdown: same URL + `.md`) - Developer: [Thomas Cook India Ltd.](https://appshunter.io/developer/1033114372) - Category: Finance - Price: Free - Rating: 1.00/5 from 8 App Store ratings · 57 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 83 MB - Languages: American English - Released: 2023-01-31 - Data updated: 2026-08-29 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/tc-pay-payment-solutions/id1658545915/reviews.md ## What is TC Pay | Payment Solutions? Your Trusted Forex Companion – TC Pay by Thomas Cook TC Pay is the official Thomas Cook Forex app that empowers you to manage your foreign exchange needs with ease, speed, and security. Whether you're a student, traveller, or global citizen, TC Pay is your one-stop solution for all things forex. Key Features: Manage Your Forex Card • Register your Thomas Cook Forex Card • Check balance, view transaction history, and manage card settings • Reload your card instantly, anytime, anywhere • Encash unused forex balance directly from the app Buy Forex in Cash or Card • Order foreign currency in cash or load a new forex card • Get doorstep delivery or pick up from the nearest Thomas Cook branch • Competitive exchange rates and transparent pricing Send Money Abroad (Remittance) • Transfer money to close relatives living abroad • Quick, secure, and RBI-compliant international money transfers Fee Remittance for Education Abroad • Pay university tuition fees directly from the app • Fast and secure payments to global institutions • Ideal for students studying in the USA, UK, Canada, Australia, and more Track & Locate • Find the nearest Thomas Cook forex branch outlet • Track your orders and remittance status in real-time Safe & Secure • Bank-grade security with multi-factor authentication • Trusted by millions of customers across India Why Choose TC Pay? • Backed by Thomas Cook India, a trusted name in travel and forex • Designed for students, travellers, parents, and global professionals • 24x7 customer support and in-app assistance • Regular updates and new features to enhance your experience ## Key features - Manage forex card - Buy foreign currency - Send money abroad - Pay education fees - Track orders - Locate branches ## What do users think of TC Pay | Payment Solutions? Overall sentiment: negative **Pros** - 👍 User-friendly interface - 👍 Clean UI and smooth performance - 👍 Easy to use and well designed - 👍 Superb UI & Functionality - 👍 Simple UI, easy to use - 👍 Great product for foreign exchange - 👍 Seamless service - 👍 Awesome app for forex - 👍 One stop app for forex requirements - 👍 Fast tool and best rates - 👍 Seamless app, user friendly - 👍 Good onboarding experience - 👍 New update is amazing - 👍 Revamp to TC Pay is a good change - 👍 Great app, very user friendly - 👍 Nice app to manage card on the go - 👍 Great service - 👍 Great and good app for foreign exchange - 👍 Superb App - 👍 Awesome app to buy forex **Cons** - 😞 App not transparent regarding policies - 😞 Requires branch visit for money credit - 😞 Cancellation charges applicable - 😞 Clueless support - 😞 Outdated app - 😞 Doesn't show registered cards - 😞 Constant OTP errors during registration - 😞 Support never responds - 😞 Sent in circles between app and branch - 😞 Money deducted but not received - 😞 Unacceptable support while traveling - 😞 Branch people don't care - 😞 Misleading & Unethical currency exchange - 😞 False promises on rates and charges - 😞 Undisclosed fees and poor conversion rates - 😞 Vague and contradictory answers from staff - 😞 Cheating at worst - 😞 Broke trust - 😞 Not helpful - 😞 No one entertaining fraud transaction case - 😞 Not responding or resolving issues - 😞 Did not get support as promised - 😞 Cannot upload money unless TC lets you - 😞 Rates different from app - 😞 Team does not respond on time for reload - 😞 Not satisfied with service - 😞 Unable to view card - 😞 Error: card already registered - 😞 Keeps throwing out of application - 😞 Frequent server down issue - 😞 No cash availability in foreign country - 😞 Application not working - 😞 Not getting OTPs on iOS - 😞 Unable to login for months - 😞 Unable to connect to server - 😞 Login with Gmail and Google not working - 😞 Unable to login through mobile and email - 😞 App not loading - 😞 Worst app for day to day use - 😞 Registration for new card doesn't work - 😞 App crashes on registration submission - 😞 Card expiration field is a joke - 😞 Card declined for no reason - 😞 Customer care number doesn't exist - 😞 Cannot make purchases - 😞 Doesn't give correct statements - 😞 Shows many 0$ transactions - 😞 Very bad application, doesn't work at all - 😞 Invalid PIN after reset - 😞 Login limit exceeds - 😞 OTP not being received - 😞 App closes automatically without reason - 😞 App crashes when tap on sell forex - 😞 No option to convert currency - 😞 Statement download issue - 😞 Statements section keeps crashing - 😞 Essential feature not accessible - 😞 Service centre keeps promising call backs - 😞 Emailing has not helped - 😞 Causing unnecessary stress - 😞 App crashes when selecting date range for statement - 😞 Pathetic app and website - 😞 Most of the time it doesn't work - 😞 Login with mobile number not useful out of India - 😞 App would be of no use when traveling - 😞 Takes hours and repeated errors to register - 😞 Takes ages to update transactions - 😞 OTP not generating - 😞 Unable to connect to server error - 😞 Crashing while trying to register - 😞 PIN length should be 4 only error - 😞 Transaction not reflected in creditor side but debited - 😞 App doesn't show balance or transactions in near real-time **Commonly reported bugs** - Constant OTP errors while registering the card - Support never responds - Money deducted but claimed not received - Fraud transaction not resolved for months - Cannot upload money unless TC lets you - Rates given by TC are way different than what you see on the app - TC team does not respond on time when you need to reload - Unable to register card or view card in new version - Error: card already registered - Keeps throwing user out of the application - Frequent server down issue - No cash availability in foreign country - Application not working - Not getting OTPs on iOS - Unable to login for months - Unable to connect to server - Login with Gmail and Google not working - Unable to login through mobile and email - App not loading - Registration for new card doesn't work - App crashes as soon as you submit registration - Card expiration month and year field is incorrect - Card declined for no reason - Customer care number doesn't exist - Doesn't give correct statements - Shows many 0$ transactions - Invalid PIN after trying to reset - Login limit exceeds after trying to reset PIN - OTP not being received - App closes automatically without any reason - App crashes when tap on sell forex - Statement download issue - Statements section keeps crashing - App crashes when selecting date range for statement - PIN length should be 4 only error when changing PIN - Transaction not reflected in creditor side but debited - App doesn't show balance or transactions in near real-time **Most requested features** - Provide Face ID or Touch ID for login - Option to convert one currency to another ## Recent user reviews (10 of 57) All indexed reviews: https://appshunter.io/ios/app/tc-pay-payment-solutions/id1658545915/reviews.md ### 1/5 — Fraud app *2026-06-17* Please don’t waste your hard earned money with this app. Its not at all transparent regarding its policies. Won’t credit my money to my own card till I visit their branch. Which is ridiculous. And when I asked to cancel the transaction, they say cancellation charges will be applicable. Clueless support, a really outdated app. Run away from this one. **Developer response:** Hi, We are sorry for the inconvenience you have faced. Request you to please share your detailed concern with us on tcpay@thomascook.in so that we can check and help you in this. ### 1/5 — Doesn’t show my registered cards *2026-03-08* Shockingly bad app and even worse support. The app doesn’t work (constant OTP errors while registering the card) and support never responds. When I needed to top up my forex card while traveling abroad, I was sent in circles between the app team and the branch. After chasing them the entire day and finally making the payment they requested, the money was deducted but they claimed they hadn’t received it. Imagine being on vacation and not being able to access your own money because the company handling your travel card cannot manage basic support. Absolutely unacceptable. I would strongly advise travelers to avoid relying on this card. A travel forex card that fails when you are actually traveling is completely pointless. If this is the level of support travelers can expect, this product should not be trusted for international travel. Branch people don’t care to help with syncing or fixing my registration details and neither does phone support. ‘Support’ keeps going in a loop with the same steps and dialogue and no resolution. People at TC just don’t care! **Developer response:** Dear Customer, We’re truly sorry to hear about your experience and appreciate you taking the time to share detailed feedback. We request you to please write to us at 'tcpay@thomascook.in' with your details so our team can investigate the matter thoroughly and assist you appropriately. ### 1/5 — Hiorrbile service, fraud don’t go for it. *2026-02-01* Star – Misleading & Unethical Currency Exchange Experience I had a very disappointing experience with Thomas Cook Currency Exchange. They made false promises and completely misled me regarding exchange rates and charges. Before purchasing the forex card/currency, I was clearly told there would be no hidden charges and transparent rates. However, after the transaction, I realised the amount I received was significantly lower than promised, with undisclosed fees and poor conversion rates applied without proper explanation. When I questioned this, the staff gave vague and contradictory answers, and no one took responsibility. This feels like a clear case of miscommunication at best and cheating at worst. Customers trust a brand like Thomas Cook for international travel needs, but this experience broke that trust completely. I would strongly advise others to double-check everything in writing or consider alternative forex providers who are more honest and transparent. This kind of practice is unacceptable from such a well-known brand. **Developer response:** Dear Customer, We’re truly sorry to hear about your experience and appreciate you taking the time to share detailed feedback. This is certainly not the experience we aim to provide, and we take such concerns very seriously. At Thomas Cook, exchange rates and applicable charges are designed to be transparent and communicated at the time of transaction. However, we understand that there may have been a gap in expectations versus the final amount received, and we would like to review this in detail. We request you to please write to us at 'tcpay@thomascook.in' with your transactions details so our team can investigate the matter thoroughly and assist you appropriately. Your trust is extremely important to us, and we remain committed to improving our processes and service quality. ### 5/5 — Excellent *2025-11-01* TC Pay has been a game-changer for my international transactions! The app is super user-friendly, and I love how I can manage my forex card, send money abroad, and track my spending all in one place. The video KYC process was seamless, and the customer support team is always available to help. Highly recommend! ### 5/5 — Forex card App *2025-10-31* User friendly app with all forex products in one App. ### 5/5 — Must have App for Forex requirement and managing forex card *2025-10-31* Really liking new interface of App, very user friendly and easy to operate ### 1/5 — Not helpful *2025-10-28* I had this card, one fraud transaction from the card was done , I reported , and its been months not a single person is entertaining the case, I have mailed and mailed and mailed many times but they aren’t responding neither resolving anything **Developer response:** We’re sorry for the experience you faced. Please share your mobile number, dispute transaction details, and last 4 card digits at tcpay@thomascook.in. Our team will review and connect with you for the best resolution. ### 1/5 — Did not get support as promised *2025-10-26* The app is user friendly but you can upload money unless TC lets you and the rates that TC give you are way different than what you see on the app. The TC team does not respond on time when you need to reload. Not satisfied with the service **Developer response:** We’re sorry to hear about your concern regarding our forex rates. We strive to offer competitive pricing and exceptional service. To help us serve you better, please share your number and specific forex requirement. If you’ve received a better quote than our Forex rate, we’d be happy to match it and offer additional applicable benefits as well. ### 5/5 — New update is amazing *2025-09-30* The new update is impressive, with a beautifully refined look and feel. ### 5/5 — Great update *2025-09-22, version 5.0.0* I loved the onboarding experience. ## Frequently asked questions about TC Pay | Payment Solutions ### What does the TC Pay app do? The TC Pay app is an all-in-one solution for managing your foreign exchange needs. It allows you to manage your existing forex card, order new forex cards or foreign currency cash, send money abroad for remittances, and pay university tuition fees for international education. ### What are the key features of TC Pay? Key features include managing your forex card (checking balance, history, reloading, encashing), ordering foreign currency in cash or card with delivery/pickup options, sending money abroad for relatives, paying education fees for international studies, and tracking orders/remittances. ### Is TC Pay free to use? Yes, the TC Pay app is free to download and use. The description does not mention any subscription fees or in-app purchases for core functionalities. Monetization is likely through the foreign exchange services offered. ### Who is the TC Pay app for? The app is ideal for students studying abroad, travelers, parents sending money to relatives overseas, and global professionals who frequently deal with foreign currency transactions. It's designed for anyone needing to manage forex needs with ease and security. ### How does TC Pay ensure security? TC Pay utilizes bank-grade security measures, including multi-factor authentication, to protect user data and transactions. It is a trusted app backed by Thomas Cook India, a well-established name in the travel and forex industry. ## Version history (last 5 releases) ### 5.3.2 — 2026-08-26 ZeroFX Card Launch – Spend worldwide with Zero Markup & Zero Convenience Fees #GharBaitheForex – Complete foreign transactions from home via secure Video KYC 28 Currencies Supported – Load up to 28 currencies on Borderless Travel & Study Buddy Cards Bug Fixes & UI Improvements Special Offers Get up to ₹3000 Edge Points on Thomas Cook Forex Card Earn up to ₹10,000 Amazon Voucher on Study Buddy Card (till 30 Sep 2026) 10% value back as Amazon Voucher on Borderless Travel Card spends abroad (till 31 Dec 2026) Major Announcement: Your TC Pay app is now PCI DSS Certified – ensuring the highest global standard of payment security for all your transactions. ### 5.3.1 — 2026-08-19 ZeroFX Card Launch – Spend worldwide with Zero Markup & Zero Convenience Fees #GharBaitheForex – Complete foreign transactions from home via secure Video KYC 28 Currencies Supported – Load up to 28 currencies on Borderless Travel & Study Buddy Cards Bug Fixes & UI Improvements Special Offers Get up to ₹3000 Edge Points on Thomas Cook Forex Card Earn up to ₹10,000 Amazon Voucher on Study Buddy Card (till 30 Sep 2026) 10% value back as Amazon Voucher on Borderless Travel Card spends abroad (till 31 Dec 2026) Major Announcement: Your TC Pay app is now PCI DSS Certified – ensuring the highest global standard of payment security for all your transactions. ### 5.3.0 — 2026-07-10 ZeroFX Card Launch – Spend worldwide with Zero Markup & Zero Convenience Fees #GharBaitheForex – Complete foreign transactions from home via secure Video KYC 28 Currencies Supported – Load up to 28 currencies on Borderless Travel & Study Buddy Cards Bug Fixes & UI Improvements Special Offers Get up to ₹3000 Edge Points on Thomas Cook Forex Card Earn up to ₹10,000 Amazon Voucher on Study Buddy Card (till 30 Sep 2026) 10% value back as Amazon Voucher on Borderless Travel Card spends abroad (till 31 Dec 2026) Major Announcement: Your TC Pay app is now PCI DSS Certified – ensuring the highest global standard of payment security for all your transactions. ### 5.2.0 — 2026-05-30 · Check Edge Points: Now you can easily see your available Edge Points right inside the app. · Forex Card on Multiple Devices: Access your forex card from more than one device — smooth and convenient. · Special Offer: Install TC Pay and buy forex to get a ₹250 Amazon voucher. Limited time only! T&C Apply · Bug Fixes: We fixed the crash issue during registration. The app is now more stable and reliable. ### 5.1.3 — 2026-05-07 · Check Edge Points: Now you can easily see your available Edge Points right inside the app. · Forex Card on Multiple Devices: Access your forex card from more than one device — smooth and convenient. · Special Offer: Install TC Pay and buy forex to get a ₹250 Amazon voucher. Limited time only! T&C Apply · Bug Fixes: We fixed the crash issue during registration. The app is now more stable and reliable. ## Apps similar to TC Pay | Payment Solutions | App | Rating | Price | Category | | --- | --- | --- | --- | | [IPO Ji - IPO Info News & Apply](https://appshunter.io/ios/app/ipo-ji-ipo-info-news-and-apply/id1545718736) | 4.9 (87) | Free | Finance | | [GlobalPay: Forex & Remittance](https://appshunter.io/ios/app/globalpay-forex-and-remittance/id1500880562) | — | Free | Finance | | [Here by HDFC ERGO](https://appshunter.io/ios/app/here-by-hdfc-ergo/id1670377706) | 4.4 (37) | Free | Finance | | [NPS by Protean eGov](https://appshunter.io/ios/app/nps-by-protean-egov/id1095960980) | 3.0 (6) | Free | Finance | | [BookMyForex Currency Exchange](https://appshunter.io/ios/app/bookmyforex-currency-exchange/id1103240547) | 4.4 (34) | Free | Finance | | [Scapia: A card for travellers](https://appshunter.io/ios/app/scapia-a-card-for-travellers/id1625270866) | 4.6 (189) | Free | Finance | ## More apps by Thomas Cook India Ltd. - [ThomasCook - Business Travel](https://appshunter.io/ios/app/thomascook-business-travel/id1042961170) - [Thomas Cook Holidays](https://appshunter.io/ios/app/thomas-cook-holidays/id1111576845) - [Borderless Prepaid Card](https://appshunter.io/ios/app/borderless-prepaid-card/id1542454960) - [KNOWISE](https://appshunter.io/ios/app/knowise/id6741889623) - [SnapScan \| Smart Scanner](https://appshunter.io/ios/app/snapscan-smart-scanner/id6759153254) All apps by Thomas Cook India Ltd.: https://appshunter.io/developer/1033114372 ## Related topics [tcpay](https://appshunter.io/ios/topics/tcpay) · [thomas cook](https://appshunter.io/ios/topics/thomas-cook) · [thomas cook travelone](https://appshunter.io/ios/topics/thomas-cook-travelone) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*