Money Transfer : Demand Draft, Express Transfer,Telegraphic Transfer, Express Money, Western Union. Foreign Exchange : Purchase and Sale of Foreign Currency- Retail, Purchase the Sale of Foreign Currency-Wholesale, Purchase of Travelers Cheque-Retail, Branch Transfer Currency. Allied Services And Activities : Insurance Premium Collections, Sale of sim cards,Utility Card Services ( Credit Card Bill payment Services ), Collection of Loan Installments, Gifting Services (only for India),Investments ( National Bonds and Masreq Millionaire),Payroll Services (Smart Pay),Sale of Em-post Cards,Membership Subscription( Arab Digital Distribution, Bite Rite, Shaadi.Com and Cash U),Miscellaneous Services.