Azimo - Independent review

All you need to know before sending money with Azimo

Excellent customer reviews More than 190 available countries Many pay-out options (bank, cash, mobile, etc.)

7.60/10 Good
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Azimo review by Monito

Azimo offers a digital alternative to traditional cash-based money transfer operators to send money abroad. Azimo’s sleek website, Android and iOS mobile apps allow you to send money conveniently from anywhere and at any time. You can pay for your transfer by making a local bank transfer, with your debit or credit card, or with an online direct payment method such as SOFORT Überweisung.

What makes Azimo stand out are the number of countries you can send to and the breadth of ways your money can be delivered. With Azimo, you can send money to over 190 countries around the world in 80 different currencies. The money can be received in a variety of ways, such as the traditional cash pickup in over 270,000 locations or credit to a bank account of over 20,000 banks, to sending to a mobile wallet or having cash delivered at your recipient’s home.

Azimo is a great choice for migrants sending money back to their home country. Azimo’s service is translated in 10 different languages, so there’s a good chance that you can use them in your mother tongue. Their fees and exchange rates make them considerably cheaper than banks or money transfer operators in most cases. They have served hundreds of thousands of customers, who have left them excellent reviews on Trustpilot.


PROS
  • Send money to 190+ countries
  • Several pay-out methods
  • Available in 10 different languages
  • Excellent reviews on Trustpilot
CONS
  • Not always the cheapest provider
  • Currently only available in Europe



Reviews powered by

10,457 customer reviews on Azimo on Trustpilot


16 hours ago
by Chai

5 stars

My experiencia with Azimo was Great.

My experiencia with Azimo was Great. It was hard to believes but In few hours time my money Transfer went from Spain And reached Argentina with a...Read more

My experiencia with Azimo was Great. It was hard to believes but In few hours time my money Transfer went from Spain And reached Argentina with a Minimum fee. I won't hesitate to use their services any time in the future.

16 hours ago
by perez

5 stars

excellent service

excellent service, thanks

16 hours ago
by Matviichuk Oleh

5 stars

I would recommend this company

I would recommend this company to anyone. Five stars from me. I'm using Azimo already more than one year. I never had any problems. It was always very...Read more

I would recommend this company to anyone. Five stars from me. I'm using Azimo already more than one year. I never had any problems. It was always very quick and reliable money transfer. If I have any question, Azimo team is ready to help me straight away. Free international transfer and bonuses with this coupon: BOHDANS2


More reviews

3 days ago
by Terry

5 stars

To send money is great

To send money is great. To get hold of customer service is very poor. I thought it was law now that companies on the internet had to have a phone number...Read more

To send money is great. To get hold of customer service is very poor. I thought it was law now that companies on the internet had to have a phone number to reach them by. Waiting for urgent response by email is just not on. I'm sure I spoke to them before, so it must have been removed. I have now found out that it is best to chat with them on line. They were very quick to sort out problem and very friendly. I use to use WU but not anymore, you do a transfer comparison and I bet you won’t either.

4 days ago
by Ezirim

3 stars

Poor exchange rate

Poor exchange rate

4 days ago
by Peace Oluchi

4 stars

It is fast and driect no Stress .its …

Ìt is fast and driect no Stress .its just ok

5 days ago
by Konrad Kotarba

1 stars

you holding money with out of reason ,

you holding money with out of reason ,

6 days ago
by Andy Packham

1 stars

inefective and slow response to any problems

be careful if you have more than one email address. I logged on through an email they sent me and then had problems because that wasn't the correct email...Read more

be careful if you have more than one email address. I logged on through an email they sent me and then had problems because that wasn't the correct email address lol. Customer service take over an hour to answer any chat , and were contradictory with answer and not much help

6 days ago
by Qaiser Ali Khan

5 stars

Azimo is providing quality service

Azimo is providing quality service , 1) Efficient 2) Great Customer Service 3) secure 4) Nice exchange rates 5) Fast service And all in all Safe . I...Read more

Azimo is providing quality service , 1) Efficient 2) Great Customer Service 3) secure 4) Nice exchange rates 5) Fast service And all in all Safe . I am a long time user of Azimo and really very satisfied from their service specially the Customer Service.

6 days ago
by Mohammad Asif

4 stars

Delay for receiving money in Pakistan

Hi, every translation I have made with Azimo from start is going always very good. Azimo send an confirmation in a few minutes with all the detail that...Read more

Hi, every translation I have made with Azimo from start is going always very good. Azimo send an confirmation in a few minutes with all the detail that the money receiver in Pakistan is able to get the money in there account within 24 hours but its takes some times more then three days. most of the time I am sending my money on Thursday and the receiver received money in there account till Tuesday, which is not normal. As a sincere customer of Azimo I must advice to look after this matter seriously because Azimo's service is excellent but sometimes problems are coming from the other country. Thanks

6 days ago
by Sunny Sobowale

5 stars

Very fast and efficient

Very fast and efficient. Low commission and very competitive exchange rate.

6 days ago
by Mike

5 stars

Money makes the World go Round with AZIMO

Sicher - Schnell - Gut !

1 week ago
by Kingsley

5 stars

Excellent and I will recommend to …

Excellent and I will recommend to others.

1 week ago
by Naija babe

4 stars

So far so good

So far so good - money has been delivered to recipient on time. Good rates and charges are reasonable. Website shows the option of using a credit card but...Read more

So far so good - money has been delivered to recipient on time. Good rates and charges are reasonable. Website shows the option of using a credit card but doesn't actually allow you to use it for making payments. Maybe it's just me and I haven't figured out how this works but if a service is not available it should not be advertised. This situation meant I could not benefit from their first time user 'no fee charge' offer as I had try several times to make the payment for the transfer. Although it never went through the first time the offer was not applied when I was finally able to make the first payment using my debit card. Again just one hiccup - so far the service has been good and I plan to keep using them. It would be nice if I was given a compensatory offer for missed out offer - oh well.

1 week ago
by Murali

4 stars

Quicker transfer than advertised

Quicker transfer than advertised. The mobile app does not always work as it sends out transfer request automatically from your previous registered...Read more

Quicker transfer than advertised. The mobile app does not always work as it sends out transfer request automatically from your previous registered recipients.

12/04/2017
by Olasunkanmi

4 stars

Great service

Great service, but still can do better with the rates.

12/04/2017
by Winnie

5 stars

Azimo is very good and reliable

Azimo is very good and reliable. They have improved so much as per faster payment and better rate. I am very pleased

12/04/2017
by AK

5 stars

Azimo is quick and easy to use

Azimo is quick and easy to use, more importantly fair charges. When there was a mistake in the information and money was not delivered, it was resolved...Read more

Azimo is quick and easy to use, more importantly fair charges. When there was a mistake in the information and money was not delivered, it was resolved without hassle. I would definitely recommend

12/04/2017
by Jane Henderson

4 stars

Up until now

Up until now, thoroughly satisfied with this company, however I note that you have minimum spend eg. £200 but in my case I just want to send under £100...Read more

Up until now, thoroughly satisfied with this company, however I note that you have minimum spend eg. £200 but in my case I just want to send under £100 or so because its family gifts for grandchildren and immediate family.

12/04/2017
by Mr .Connell

5 stars

Help and very good service

Help and very good service

12/04/2017
by Viv

5 stars

Very Reliable

Very Reliable. Never had any issues with my transfer. Charge rate

12/04/2017
by G.R. Wilson

5 stars

I Was a Relatively Early Adopter of Azimo

I was an early adopter of Azimo. I enrolled when the verification process was still being worked out, and immediately after they were first able to...Read more

I was an early adopter of Azimo. I enrolled when the verification process was still being worked out, and immediately after they were first able to include transfers from the UK to Asian Bank Accounts. For the past 3 years (approx) they've satisfied/executed my every transfer instruction, exactly as advertised. When I log-in to my Azimo account I never get 'that' stressed feeling; you know, the kind of stress and hassle that so many other financial accounts are content to give their customers.

12/03/2017
by Sarjeevan

5 stars

Very fast and affordable love it

Very fast and affordable love it, thank you azimo

12/03/2017
by Addi Edmunds

5 stars

I have been using Azimo for the past …

I have been using Azimo for the past year and it is easy to use, never had any issues, the rates are brilliant and the transfers are quick and reliable.

12/03/2017
by Kay

5 stars

Very competitive rates and fast service.

Very competitive rates and fast service.

12/03/2017
by Olubunmi

5 stars

Good fast and reliable

Good fast and reliable

12/03/2017
by Wolf Ruediger

5 stars

Great app

Great app; fast transfer without problems. Will definitely use again.

12/03/2017
by Noopean

5 stars

Superb!!

I Have been use azimo money transfer for couple years now. Quick and easy transfer. good rate !!! Superb !!!

12/03/2017
by Sonia

5 stars

You are freaking amazing

You are freaking amazing. Fast, fair and convenient. I love you all

12/03/2017
by Osaro

5 stars

You are absolutely amazing

You are absolutely amazing, i saw wow to your service. Thanks you so much all my transaction took less than 5 minutes.


Azimo has excellent customer reviews on Trustpilot, with a 96% satisfaction rate among the 4800+ customers who have given their feedback. Here’s a summary of what Azimo customers have to say:

Positive
  • Customers were very satisfied with how fast their money was delivered
  • Using Azimo is an easy, uncomplicated and pleasant experience
  • Exchange rates are good and fees are low
  • Azimo is reliable and trustworthy
Negative
  • A few customers experienced delays in their transfers
  • Azimo’s customer service was sometimes a bit slow
  • On very rare occasions, customers had issues with Azimo’s pay-out partner in the receiving country (e.g. wrong address or poor service)


Can I trust Azimo ?

Azimo is a licensed Authorised Electronic Money Institution, which means they are regulated by the FCA (Financial Conduct Authority) and HMRC (Her Majesty's Revenue and Customs) in the United Kingdom. They offer institutional grade security for their service, including 256-bit SSL encryption with a 2048-bit signature.

As per FCA regulations, clients’ funds are held in segregated accounts, and are therefore kept completely separate from Azimo’s own business accounts. This means that your money is safe should the company have any financial difficulties.

Furthermore, Azimo offers a 100% Money Back Guarantee, and will reimburse you the full amount of your payment should your payment be cancelled or refused for any reason.

Azimo employs 90 people across its UK and Poland offices. Employees give the company a 4.5 star rating on the employer review site Glassdoor, and describe Azimo as “FinTech with a heart”, a “great fintech company” where you “truly have the opportunity to make a difference”.

Azimo has raised over $45M dollars from various investors around the world. This has helped the company establish what it claims is one of the world’s largest digital money transfer networks, allowing Azimo to send money to up to five billion people worldwide.


Authorised by the UK Financial Conduct Authority (FCA)
Firm Reference : 900220

 







How Azimo works


  1. Sign up for a free Azimo account in just a couple of minutes
  2. Set up a transfer by choosing your recipient and how you want the money to be received
  3. Enter the amount of money you want to send and how you want to pay
  4. Make a local bank transfer to Azimo’s account or pay instantly using your debit card, credit card, or direct payment method.
  5. Azimo will deliver your money to your recipient immediately or up to several business days depending on the pay-out method

 


 

Azimo exchange rates and fees

Transfer fees: Azimo charges flat or variable fees depending on which countries and currencies you’re sending between, as well as the pay-in and pay-out methods you choose.

Exchange rates: The exchange rate offered by Azimo will depend on the pay-out method you choose. The exchange rate is locked in advance, so that you know exactly how much money will arrive.

Other fees: Since Azimo uses local accounts to collect and disburse funds, there should be no fees charged by the sending or receiving banks, and no intermediary bank fees. However, there is a 2.99% fee for paying by credit card.


 


The story behind Azimo

Azimo was founded in 2012 by Michael Kent and two Polish migrants in the UK, Marta Krupinska and Marek Wawro. Michael Kent, Azimo’s CEO and an industry veteran, previously co-founded one of Europe’s largest offline money transfer companies, Small World Financial Services.

The founders saw an opportunity to provide migrants with a much cheaper way to send money home through a digital-only service, which is why they launched Azimo.

With headquarters in London and an office in Krakow, the company now employs 90 people and has raised over $45M dollars.


 


 

Which documents will Azimo require to verify my identity?

To comply with anti-money laundering regulations, Azimo must verify your identity. Depending on how much and from where you are sending money, you may be required to provide a copy of your Identification Documents, a proof of the validity of your adress and a proof of the source of the funds.

 

Identification Documents

It can be a Passport, National ID card with photo, a driving licence (UK, EU or International).

Proof of address

In order to verify your address, Azimo will need a copy of a document from a reliable institution showing your name and your adress. This document can be a utility bill (except mobile phone bills), a bank or credit card statement or letter, a Land Lord letter or bill, an employment letter, a local council rent card, an NHS letter / GP card, a solicitor's letter confirming a recent house purchase or an official letter from any UK Government Body.

Proof of funds

It can be a pay-slip, a bank Statement/ screenshot from electronic banking, a Credit Card statement (Documents should contain identification such as name and account number), a Tax Rebate Receipt, a House Sales Receipt, Car Sale Receipt, Etc Inland Revenue Payment Slip General or a Bank Loan Documents (Including Mortgages).


 

Step by step guide on how to send money with Azimo



Blog posts

Why you should start using an app to send money abroad – Azimo Approach

The arrival of digital money transfer companies such as Azimo has totally revolutionised the remittance industry in recent years, and smartphone apps are making things even more convenient for consumers.


How to transfer money online - frequently asked questions

Choosing the right transfer service to send money abroad can be complicated, with fees, exchange rates, convenience, security and speed all part of the equation. Azimo provides some answers to frequently asked questions.


Interview with Azimo's co-founder Marta Krupinska

In this article, Marta tells us more about Azimo's history (a company founded by migrants for migrant), strategy and services. 



 

Azimo's Offices

 


United Kingdom

173 Upper St
London N1 1RG
United Kingdom


From our blog

How to Transfer Money Online – Frequently Asked Questions

This article is part of the Spotlight series brought to you by TawiPay, the comparison site for international money transfers, and Azimo. The Spotlight series aims at helping people who send money abroad get all the information they need on key money transfer companies, and follow the latest trends of the money transfer industry. This […]


Why you should start using an app to send money abroad – Azimo Approach

This article is part of the Spotlight series brought to you by TawiPay, the comparison site for international money transfers. The Spotlight series aims at helping people who send money abroad get all the information they need on key money transfer companies, and follow the latest trends of the money transfer industry. This month, we […]


Our independent review of Azimo

We just published our in-depth  independent review of Azimo. You can read it in full on our website, or just go through the highlights below.



Ask questions or share your comments on Azimo




Compare all the options before your next money transfer Compare now

Key facts about Azimo

Service information

Time to open an account A few minutes
Pay-in options Credit card
Debit card
Bank Account
Pay-out options Cash
Bank account
Airtime top-up
Mobile wallet
Minimum amount -
Maximum amount -
Available languages
Français
English
Deutsch
Polski
Español
Português
Română
Italiano
Personnal transfers No
Business customers Yes
Advanced currency contracts No
Required documents -

Company information

Type of service provider Online money transfer operators
Active since 2012
Headquarter London, United Kingdom
Regulated by FCA

Contact information

Contact support -
Service hour -
Facebook azimomoney


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The cost of sending money depends on the amount of money sent, the countries you're sending between, and the type of transfer. Make sure to compare before each of your transfers as costs also vary through time.

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