Transferring money using the NEM platform depends on the currency you’re transferring, since NEM is the blockchain technology not the currency itself.
NEM currently supports one wallet: the Nano wallet, available on the NEM official website.
Once installed, follow the instructions to send XEM to other users as you would any other currency:
Enter the recipient’s wallet address or scan the QR code provided by the recipient.
Enter an amount of XEM to send the recipient.
Enter your wallet’s password, and click “Send.”
The XEM amount will be sent to the recipient over the NEM network and will be received immediately.