When a bank transfers money to Somalia, can it be sure it’s not sending money to terrorists? This question is forcing one of Britain’s largest banks, Barclays, to cut ties with the largest cash transfer bank in Somalia, Dahabshil, a company that brings in the majority of the country’s $ 1.2 billion in yearly remittances.

Many in Somalia are in desperate need of money. Payments from family and friends overseas are how many get by, and that’s why more than 100 aid workers and Somalia experts signed a letter this week pleading with the British government to find a solution.

A financial power-house in Somalia, Dahabshil describes itself as “the most trusted money transfer company for many immigrants willing to support their families and friends”. But anti-terror laws hold banks like Barclays responsible if they transfer money to criminal or terror elements. As a result, fewer are willing to send money into Somalia.

Such transactions for Somalis in the United States became more difficult in late 2011, when a bank in Minnesota closed accounts that facilitated such transfers. Sunrise Community Banks decided to halt the transactions after two women were convicted of sending money to the terrorist group al-Shabab.

“It is recognized that some money service businesses don’t have the proper checks in place to spot criminal activity and could therefore unwittingly be facilitating money laundering and terrorist financing”, Barclays said in a statement. “We want to be confident that our customers can filter out those transactions, because abuse of their services can have significant negative consequences for society and for us as their bank.”

Dahabshil did not immediately respond to a request for comment. The company’s website says that customers “must provide government authorized identification and personal information for anti-money laundering compliance if amounts reach certain limits”.

The group of aid workers and researchers said the decision at stake here “is a lifeline that provides essential support to an estimated 40 percent of the population of Somalia”. The group said it has seen firsthand the impact remittances have on families in the Horn of Africa.

“My son is in the U.K. He sent us money every month for our sustenance and school fees for the children. Where are we going to get the money to pay our bills?” asked Dahabo Afrah, a longtime customer of Dahabshil in Mogadishu. “This is unfair to us and will affect hundreds of thousands of Somali people.”

Many big banks in the U.S. have already stopped handling transfers to Somalia, saying the federal requirements designed to crack down on terrorism financing were too complex and not worth the risk. Last April, U.S. Bank confirmed it is working with Dahabshil to allow Somalis in Minnesota to send money back home. U.S. Bank spokeswoman Teri Charest said on Monday that the bank is working closely with Dahabshil but the transactions have not yet started.

Barclays said it remains happy to maintain a relationship with businesses that have anti-financial crime controls. Western Union operates in Somalia but does not have a presence in many places, including Mogadishu, the capital.

The aid groups said that one study of financial transactions in Somalia found that 73 percent of remittance recipients said that they use the money they receive from relatives an average of $ 2,040 per year to pay for basic food, education, and medical expenses.

“One-third of recipients said that they would not be able to afford basic food if the remittances were stopped”, the group said in a letter to the British government on Monday.

The group is calling on the British government to help money transfer businesses to find alternative banking partners. It also asked that Barclays extend its termination deadline for six months until other solutions are found.

A study released earlier this month by the Food Security Nutrition Analysis Unit for Somalia, a project by the United Nations’ Food and Agriculture Organization found yearly remittances to Somalia to be a minimum of $ 1.2 billion per year. The aid group Oxfam said that soon to be published research shows that Somali immigrants in the U.K. send more than $154 million back to Somalia each year, behind only the U.S.

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