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

9,624 customer reviews on Azimo on Trustpilot


23 hours ago
by Heliene

5 stars

always very fast and straight forward

always very fast and straight forward

23 hours ago
by Bilal

5 stars

very efficient service

very efficient service, keeps you trace where the money is at a point, it informs the recipient when the money is in their account. only drawback is I had...Read more

very efficient service, keeps you trace where the money is at a point, it informs the recipient when the money is in their account. only drawback is I had to enter card details every time, it doesn't seem to remember it.

23 hours ago
by Law

5 stars

An innovation in the money transfer …

An innovation in the money transfer industry indeed. It is seamlessly efficient.


More reviews

23 hours ago
by Juliet

4 stars

it was fast and instant

it was fast and instant

23 hours ago
by Shereen

5 stars

Best to use on weekdays and receiver …

Best to use on weekdays and receiver gets it the next day .relaiable,good rates,very easy to use app,trustworthty.

23 hours ago
by Ulrich

5 stars

Reliable and trustful

Reliable and trustful. Best rates and cheap fees

23 hours ago
by Joshua

5 stars

It was very nice and fast

It was very nice and fast

23 hours ago
by Joem

5 stars

Nice transaction using this application …

Nice transaction using this application for sending money..

23 hours ago
by Abolaji

5 stars

Excellent money transfer services from Azimo.

Since I've been using Azimo I never have any regret. Their service is fast and their rates are ok, also their service charges is low. I'll recommend Azimo...Read more

Since I've been using Azimo I never have any regret. Their service is fast and their rates are ok, also their service charges is low. I'll recommend Azimo to anyone anytime.

23 hours ago
by Angeline

4 stars

Good But my Card was reversed first …

Good But my Card was reversed first when I wanted to make payment. It's a Quick service. Thanks

1 day ago
by John Lewington

1 stars

Good Idea - shame about the Reality

Set up prepaid Debit card to transfer money from via Azimo to India to be picked up by myself and group of 7 at different pick up points around India...Read more

Set up prepaid Debit card to transfer money from via Azimo to India to be picked up by myself and group of 7 at different pick up points around India during our 3 month trip and attempted to make my first transfer last night. Transaction did not complete check with your bank said their e-mail - I spent the morning with bank - not them blocking my card - spent one and a half hours waiting on line waiting to speak (via chat) to someone who eventually found out that their compliance officer had blocked my card (a debit card)? and the only way to use their service was by bank transfer which would incur a bank charge 20 UK pounds, sort of negates the advantages offered. No explanation regarding decision of Compliance Officer to block my Debit Card - Result 8 less customers for Azimo.

2 days ago
by Adnan

5 stars

transaction

very fast transfer thanx

2 days ago
by william siu

1 stars

No reply been waiting for hours i …

No reply been waiting for hours i already upload my Passbook ID .. Come on Azimo you need more worker in your company to deal customer service SINCE NO...Read more

No reply been waiting for hours i already upload my Passbook ID .. Come on Azimo you need more worker in your company to deal customer service SINCE NO TELEPHONE ANYMORE. When will you release my money that can send to Philippine to my family. They need the money for god sake. Your chat service it sux still waiting reply...... ......

3 days ago
by Ashley

5 stars

No issues transferring money.

I have had no problems transferring money overseas, have been kept updated and received excellent rates.

4 days ago
by Chanika

5 stars

The best safe

The best safe, trust, fast. Thank you

5 days ago
by James Israel

5 stars

Convenience.

Convenient.

5 days ago
by Arun

5 stars

Arun

Its more reliable, trustworthy and easy to transfer with low commission rate and a good mode of sending the money, rather than the bank transaction u...Read more

Its more reliable, trustworthy and easy to transfer with low commission rate and a good mode of sending the money, rather than the bank transaction u could say that azimo team members make the work easier and kudos to the website.

5 days ago
by Wojciech Krawczyk

5 stars

Best way for international transfers.

Best way for international transfers. Recommend to everyone.

6 days ago
by Joan

5 stars

Fast and reliable service

Fast and reliable service offering good rate. Azimo constantly inform about payment status all along which gives peace of mind

6 days ago
by Chakir

5 stars

Excellence company so happy with the …

Excellence company so happy with the service thank you very much

6 days ago
by Ewa

5 stars

AZIMO

I have used AZIMO often as it is fast and cheap and offers good exchange rates.

6 days ago
by Muhammad Haseeb

5 stars

Gr8 services

Gr8 services

6 days ago
by Michael A

1 stars

WARNING

WARNING: DO NOT USE THIS COMPANY I still maintain my stand, your company is a fraud! If you're going to lie to make your company look good, I will burst...Read more

WARNING: DO NOT USE THIS COMPANY I still maintain my stand, your company is a fraud! If you're going to lie to make your company look good, I will burst your bubbles! You claimed the payment came from a different account, Lie...This is the same account i used the first time, and the payment was delayed until I uploaded personal data to your website site. So you have my info already. You also claim my money was refunded on the 24th September? But why was the money taken in the first place on the 26th September...Liars!! On 9th October, Alessandro, your Inexperienced call handler claimed your operational team is taking care of my refund (see email below) This is the payment you claimed was refunded on the 24th September...Try another one. On Mon, Oct 9, 2017 at 02:46 PM, Alessandro wrote Hi Temi! Many thanks for your message. I've checked our system and I can see that your transfer has been cancelled as we didn't receive the additional information\documentation needed to release it, requested previously via email by one of my colleagues. Our Operational Team is taking care of your refund, which once processed and sent will be back into your account within 2-3 working days ( it might take up to 5 working days in the worst and less probable scenario ). Thank you for your time. Since you've failed to return my money, I will now escalate my complaint further...

6 days ago
by Kenechukwu

5 stars

I appreciate the efficiency of the company.

I appreciate the efficiency of the company.It has really facilitated the possibility of money transfer.It was a great opportunity coming in contact with...Read more

I appreciate the efficiency of the company.It has really facilitated the possibility of money transfer.It was a great opportunity coming in contact with Azimo.

6 days ago
by Vivian

4 stars

Good Service

Good Service. Quick Process. One critic Money sent on a Fr. Will be received the coming Monday which is not convenient in case of an emergency. Otherwise...Read more

Good Service. Quick Process. One critic Money sent on a Fr. Will be received the coming Monday which is not convenient in case of an emergency. Otherwise good job

6 days ago
by Catherine

5 stars

Very convenient

Very convenient

6 days ago
by A.A.O.

5 stars

Best among its peers

Very convenient to use and low transaction fees!

6 days ago
by J.Anwer

5 stars

must have option to delete history from …

must have option to delete history from app. much much easier to send money compare with another money transfer services. Thank you Azimo.

1 week ago
by Esa

5 stars

Safe and fast

Safe and fast! I'm very satisfied!

1 week ago
by Chinito

5 stars

Fast

Fast, affordable and efficient.


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




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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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