IBAKWE SACCO GATSIBO Before sending money Recipient, costs, timing and records. Preparation checklist only; not an official SACCO form. [ ] Confirm service availability and the recipient details. [ ] Request the total paid, exchange rate and expected recipient amount. [ ] Ask about timing, tracking, corrections and refunds. [ ] Keep the transaction reference and confirm arrival. My follow-up questions: __________________________________________________ Do not record a PIN, password or OTP here. ibakwesaccogatsibo@gmail.com