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

9,417 customer reviews on Azimo on Trustpilot


5 days ago
by anita viola

5 stars

Fast and dependable love how quick i …

Fast and dependable love how quick i get my things paid for and this enables it to be sent to me on time as i do have it all. Thanks Azimo

6 days ago
by alan smith

4 stars

Sending money to the Philippines

Azimo is a great and cheap way of sending money abroad, unfortunately most of the money transfers i do is to the Philippines, with Azimo i am only alowed...Read more

Azimo is a great and cheap way of sending money abroad, unfortunately most of the money transfers i do is to the Philippines, with Azimo i am only alowed to send a maximum of 8oo GBP at a time, other online money transfer companies allow much greater amounts to be sent, however, I used to send money by western union which is, or at least used to be, much more expensive with less places for my partner to collect the monies, Azimo was the first online company i used and i have never had any other problems.

6 days ago
by Steven Bennett

5 stars

Was using WU and Moneygram then my …

Was using WU and Moneygram then my friend recommended this company. Great exchange rates and quick delivery to recipients bank account. A++++


More reviews

1 week ago
by Andreas

1 stars

i tried to send money to my girlfriend …

i tried to send money to my girlfriend and the comoany blocked my payment with the card. not to mention that they have no call center.

1 week ago
by abba

1 stars

Stress, stress stressful.

Stress, stress, Stressful. That is my experience with this company. I made a transaction to transfer money to Egypt and paid into their account. I got...Read more

Stress, stress, Stressful. That is my experience with this company. I made a transaction to transfer money to Egypt and paid into their account. I got email acknowledging receipt and requesting proof of identity which I emailed to them. Having heard nothing back I sent three further emails but heard nothing back. I then started to get very worried I might have given my details to a cloned sight.Decided to verify their authorisation on FCA website and found it to be correct. I was going to alert fraud alert UK but decided to check their review and found this to be a common problem. I have used their telephone number from the FCA and called them but no one picked it.I also emailed the founder Michael but no reply. I had used Azimo twice before without any problems. Don't know what else to do. I have proof of payment and their acknowledgement.

1 week ago
by Ademiju

5 stars

very good

very good responsive staff good security

09/18/2017
by Sergei

5 stars

Convenient service, great pricing

Convenient service, great pricing

09/17/2017
by waseem

4 stars

Cheapest way to send money to the …

Cheapest way to send money to the states. Even cheaper then currency fair. Awesome !

09/16/2017
by Izabela

5 stars

The best transfer service

The best transfer service , low charge , very fast transfer and always the best exchange rate . Brilliant!

09/16/2017
by marie

5 stars

best way to send money

I found azimo esear and faster to send money.

09/16/2017
by cliff

5 stars

Always quick and easy transactions

Always quick and easy transactions

09/16/2017
by Mayra Yael

5 stars

Really good service!

Fast and efficient service!

09/16/2017
by Anna Sadlej

5 stars

Highly recommend Azimo!Fast …

Highly recommend Azimo!Fast transfer,never had any problem,thank you!

09/16/2017
by Cheryl Marie

4 stars

Very good but had a bit of a problem at …

Very good but had a bit of a problem at first but they soon got it sorted. Will use them again if I have to.

09/16/2017
by alfred ajayi

1 stars

My experience with azimo is not very …

My experience with azimo is not very good all the customers number on Internet is not going through l email them they did not reply

09/16/2017
by robert

5 stars

easy to use no problems as yet.

easy to use no problems as yet.

09/16/2017
by Nando

3 stars

The process could be faster but the …

The process could be faster but the service is ok. It is acceptable. There are still few collection points.

09/16/2017
by Sonsoles

5 stars

Great!

Excellent, quick, safe and cheap.

09/15/2017
by Oghenetega Emekeme

4 stars

Fast and reliable way to send money,but …

Fast and reliable way to send money,but could do with more higher rate,and offers to customers

09/15/2017
by Silvia Dimitrova

4 stars

Personally

Personally, I've been using Azimo for about 3 years and I'm very pleased. The money sometimes arrives on the same day. Fee is small and it is very...Read more

Personally, I've been using Azimo for about 3 years and I'm very pleased. The money sometimes arrives on the same day. Fee is small and it is very convenient because you can send urgently even a small amount. But I would also like to share a problem. My husband also used Azimo, but in one transaction for about a week the money was not paid and was missing in his bank account. We wrote several times to the Help Center asking for assistance. Finally, the money arrived at the recipient, but from then my husband's account was blocked. Now, even with a new bank card, my husband can not use Azimo. I would have understood such a kind of punishment if we were rude and disrespectful. None of the help center responded to our inquiries about why the account was blocked.

09/15/2017
by Bevelyn

4 stars

It is very handy and easy apps.

It is very handy and easy apps.

09/15/2017
by Esther Johnson

5 stars

Quick

Quick, reliable and excellent work.

09/15/2017
by Lina

5 stars

Easy

Easy, nice and amazing!!

09/15/2017
by Bernadette

5 stars

Im very satisfied

Faster and safety and also good service

09/15/2017
by Jenny hicks

5 stars

Excellent service

Excellent service. I have no complaint. The easyiest way to transfet money..

09/15/2017
by Samuel

5 stars

5 stars Excellent

5 stars Excellent

09/15/2017
by Stephany Agboerha

5 stars

Azimo you absolutely the best money …

Azimo you absolutely the best money transfer. I will always send money through azimo I love the service is 100%

09/15/2017
by James Conable

3 stars

Used Azimo Just Once: Incredible Experience!

I have used Azimo just once. I will like to use it couple of times in order to say what I think about their money transfer service. Nevertheless, I am...Read more

I have used Azimo just once. I will like to use it couple of times in order to say what I think about their money transfer service. Nevertheless, I am satisfied with my first money transfer experience. If Azimo maintain the current transfer approach, speed, and security of transaction, I will depend on Azimo for future money transfer.

09/14/2017
by Ciska Balderstone

1 stars

No amused

I used azimo first time round no problem. Did a second deposit to South Africa into their bank on the 8 th still no sign of the money that side. Made...Read more

I used azimo first time round no problem. Did a second deposit to South Africa into their bank on the 8 th still no sign of the money that side. Made another deposit yesterday and i regret it now. Will have to try and find another way to send money now. Not happy at all

09/13/2017
by Tahir

1 stars

Beware of this Azimo Ltd company and …

Beware of this Azimo Ltd company and its affiliates call4travel.com there phone number is UK +44 203 287 8703 USA +1 315 820 2023 they issue fake tickets...Read more

Beware of this Azimo Ltd company and its affiliates call4travel.com there phone number is UK +44 203 287 8703 USA +1 315 820 2023 they issue fake tickets for Pakistan. All they are after is bank transfer or cash payment then they wont answer thier phone. Avoid


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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