About - GKMS Trinidad

Solutions for Every Moment​

GraceKennedy Money Services (GKMS) is the umbrella entity which encompasses FX Trader – the foreign exchange place from GraceKennedy Money Services, Bill Express – the bill payment place from GraceKennedy Money Services and Western Union – moving money for better. Some or all of these services may be found in Jamaica, Trinidad and Tobago, Guyana, Anguilla, St. Kitts and Nevis, St. Vincent and the Grenadines, British Virgin Islands, Montserrat, the Cayman Islands and the Turks and Caicos, and now The Bahamas.

Moving Money For Better

GraceKennedy Remittance Services Limited (GKRS) was established in 1990 to serve as the exclusive agent of Western Union Financial Services in Jamaica. The success of this alliance between GraceKennedy and Western allowed GKRS to expand from Jamaica into Trinidad and Tobago in 1992.

We move money for better, enabling individuals, families, and friends to securely and seamlessly transfer money in the ways that are most convenient for them, whether that is walking into a retail location, or utilizing digital channels.

Company Milestones

Bill Express is our one-stop bill payment solution for utility and other repeat bill payments. Bill Express was introduced to T&T in 2002 and has since expanded to over 49 locations nationwide. BX offers bill payment services through a network of operators in Trinidad and Tobago, as well as online through BillExpressonline.com.

Since 1997, FX Trader has been a preferred cambio service for businesses and individuals. As a member of the GraceKennedy Money Services group, FX Trader offers convenient access to foreign exchange in Trinidad and Tobago.


To be the leader in money services delivering borderless solutions with first class customer experience.


To connect communities and improve lives by fostering financial inclusion, whilst providing convenient and efficient money solutions.

We Promise To

Offer competitive rates for our services

Make your safety our priority

Make it easy for you to do business with us

Be respectful, knowledgeable, and pleasant at all times

Communicate changes in a clear, concise and timely manner


Donald Edwards

Country Manager

Paulette Garcia

Operations Manager

We are here to help you.

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To use the Direct to Bank service you have to be a registered D2B customer – registration is a quick and easy one-time activity that takes place online (for existing GKMS Western Union customers) and in-store for new customers.

There are three (3) Phases in the Direct to Bank (D2B) process:

Phase 1: Customer Registration.

New customers must register in-store at any GKMS Western Union. Existing GKMS Western Union customers can register online: Access the GraceKennedy Money Services website using your computer or mobile phone and fill out the required registration details. The online registration website is https://registration.gkmsonline.net.

GKMS customers will have the opportunity to enter demographic and banking information supported by pictorial proof that the information presented for verification is valid and current.

After confirming the validity of their email, customers will be able to access the online portal and navigate through the screens entering the relevant information to process their registration.

Customers are required to provide the following:

  1. Basic Info – Name, DOB.
  2. Employment Info– Place of employment and employment particulars i.e. occupation.
  3. Contact info – Current mailing address, Telephone, Cell numbers.
  4.  Primary Identification Info– National ID, Driver’s Permit or Passport.
  5.  Secondary identification Info– customer will provide a second ID type of the three options stated above.
  6. Security Info– Customer required to provide secret questions and answers to secure their account and future transactions.
  7. Document Upload– All the relevant documents required to process the application is uploaded into the system. The documents have to be verified in a separate phase of the process before the customer is able to access the service.

Phase 2: Customer Verification Process

The verification process consists of actions by GKMS to validate the authenticity of the  information provided at the Registration Stage (uploaded documents+ banking information + Demographic information). This involves matching uploaded details against information available in our internal databases as well as external National ID Verification Systems. You will be contacted by one of our team members when this step is completed.

Phase 3: Start using Direct to Bank!

Once you have been successfully registered you can start receiving Western Union money transfers in your bank account. Follow these quick steps:

  1.  Call our Contact Centre at 623-6000 the next time you are expecting a money transfer to initiate the bank transfer. Calls should be placed as soon as funds are available for collection.
  2. Tell the CSR you are registered for Direct to Bank transfers.
  3. Provide the related Money Transfer Control Number (MTCN).
  4. Enjoy the safety & convenience of having funds transferred directly into your bank account.

GKMS Digital Services

Find out more details about our Digital Registration. How to register, FAQs and more.

Already Registered? Login now to access your account to use our digital services.