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

10,239 customer reviews on Azimo on Trustpilot


5 hours ago
by alka

5 stars

very good service..fast and reliable

very good service..fast and reliable

5 hours ago
by Adeniyi

5 stars

Easy and fast transferring money

Easy and fast transferring money, keep it up

5 hours ago
by Ayokunnuu

5 stars

Reliable

Reliable, efficient and satisfaction


More reviews

5 hours ago
by Amarachi

5 stars

The best ever

The best ever, trustworthy, relying, fast and also cheap. I would recommend Azimo to everyone.

5 hours ago
by Ronald

5 stars

very fast money transfer

very fast money transfer, even to mobile wallet in Kenya, just a few minutes and the transfer was done, I am completely happy with the way I could send my...Read more

very fast money transfer, even to mobile wallet in Kenya, just a few minutes and the transfer was done, I am completely happy with the way I could send my money and with the safety. Without any doubt the best money transfer I ever tried.

5 hours ago
by Mounya

5 stars

Azimo the best

Azimo the best , easy service with one click, from my heart ❤️ recommended , and Thank you for the azimo team for all helps and immediate answers

5 hours ago
by Kelly Etinosa

5 stars

It's fast and safe

It's fast and safe

5 hours ago
by Nof

5 stars

Swift service.

Swift service.

5 hours ago
by Luis Espineira Cortes

5 stars

Excellent value for money quick and …

Excellent value for money quick and secure service. Can't fault it!

5 hours ago
by Paul

3 stars

Excellent but let down by poor customer communications when theings go wrong

In general, Azimo are quite reliable. But as in all businesses things do go wrong occasionally. The problem is customer support. Azimo operates, it seems,...Read more

In general, Azimo are quite reliable. But as in all businesses things do go wrong occasionally. The problem is customer support. Azimo operates, it seems, without any phone numbers. The main way to contact them is by email and you'll be lucky to get a reply in 24 hours. Their chat box seldom works and is only manned sporadically.

2 days ago
by Walter

5 stars

Quick and save

Quick and save

3 days ago
by Richard Moules

1 stars

If I could give zero stars I would …

If I could give zero stars I would have. Transactions continuously cancelling out. Sending money in 1 hour, rubbish!! 15 hours later and the important...Read more

If I could give zero stars I would have. Transactions continuously cancelling out. Sending money in 1 hour, rubbish!! 15 hours later and the important funds to help my family have still not been received....or even processed! Contact customer support? That is a joke! No number, email, no reply and as for chat...be back in 30 minutes, that was 2 hours ago. How can these people be rated so highly and have such financial backing when the service is not a service at all?

4 days ago
by waqar

4 stars

Only Exchange rates are not good but …

Only Exchange rates are not good but service excellent .Aftabcurrency rates always above.its differences between 1 or 2 pakistani rupee between Azimo and...Read more

Only Exchange rates are not good but service excellent .Aftabcurrency rates always above.its differences between 1 or 2 pakistani rupee between Azimo and Aftabcurrency always. please do something about it thanks. Your regards, Waqar Ahmad

5 days ago
by Koen

1 stars

Horrible experience

I tried to make a transfer through Azimo to Ecuador. The first transaction, paid with my Visa, was cancelled although I tried to deliver the documents...Read more

I tried to make a transfer through Azimo to Ecuador. The first transaction, paid with my Visa, was cancelled although I tried to deliver the documents they asked for business purposes. My funds were blocked for 14 days. My bank guaranteed me that Azimo could unblock the amount a lot faster if they wanted to. I contacted them about this but they failed to do so. Because my Visa transaction was cancelled, a few days after, I started a new transaction but this time with an online transfer to their account. Again, this transaction was cancelled without clear explanation. All they said it was due to ‘regulatory requirements’ and they could not share any further details. The day after, they blocked my account without me asking. They promised me I would receive my funds back between 3 – 5 working days, they said this on the 10th of november and I still have not received my funds back until this day. Customer service did not respond anymore to my question when I would get my funds back. I am still impatiently waiting for my funds since it was a large amount of money. Our transaction was urgent and completely failed because of Azimo. Horrible experience.

1 week ago
by Julz

5 stars

Great app and super easy service to use

Great app and super easy service to use

11/17/2017
by Dahir Sheidu

4 stars

Really a life saver

Really a life saver, quick, efficient and reliable.

11/16/2017
by Jakub Zygadło

1 stars

big deleys cancel transactions

I have made a very important transaction and it didnt pass because azimo cancel it and didnt Let me know about this fact i have Lost money and client...Read more

I have made a very important transaction and it didnt pass because azimo cancel it and didnt Let me know about this fact i have Lost money and client Thanks to azimo!

11/16/2017
by Paulo

4 stars

Discounts more often would be very much …

Discounts more often would be very much apprecitate! But it is very realiable and good rates!

11/16/2017
by Felipe Calloni

5 stars

Azimo delivers on time!

Been using Azimo for years and it always delivers on time!

11/15/2017
by Lienda Kavindele

4 stars

Azimo is great service!

Azimo is great service and I would definitely recommend it! I've had no problems and the money is received relatively quickly. The only recommendation I...Read more

Azimo is great service and I would definitely recommend it! I've had no problems and the money is received relatively quickly. The only recommendation I would make is that they send a confirmation email immediately after you've made payment. You are able to see the progress of your payment on their site, but it is always helpful to have that information in your inbox for comfort. They do send an email immediately if your transaction has declined, so I can't imagine it would be too difficult for them to do the same when its accepted.

11/15/2017
by Nadnapit

5 stars

This is the best company for transfer …

This is the best company for transfer money aboard.

11/15/2017
by Ousmane

5 stars

Easy

Easy, simple and hassle free The rate however can be better as I come across other money transfers whose rate are better

11/15/2017
by Gil

5 stars

very cheap and very fast

very cheap and very fast

11/14/2017
by Niemelae Nantiwa

4 stars

I use the service with the Azimo team …

I use the service with the Azimo team it has been a while. Overall the service assistance very good. Problems that sometimes users like me unexpected, but...Read more

I use the service with the Azimo team it has been a while. Overall the service assistance very good. Problems that sometimes users like me unexpected, but the team can help.

11/14/2017
by Ken, S Yorks

1 stars

1st transaction total failure

1st transaction total failure. Indian partner knew nothing. Azimo gave 13digit number Agent wanted 16digit. Also had to track down agent as Azimo gave...Read more

1st transaction total failure. Indian partner knew nothing. Azimo gave 13digit number Agent wanted 16digit. Also had to track down agent as Azimo gave wrong address.

11/14/2017
by Roland Fritz Stuetzinger

5 stars

Mooore than 5 stars

Mooore than 5 stars. Yeah

11/13/2017
by Tosin

4 stars

Sevice is very straight forward and …

Sevice is very straight forward and great.

11/13/2017
by Hjalmar Braemer

5 stars

Almost perfect service

Perfect service, almost! The limit to send money to Colombia is a bit to low, compared to a competitor.

11/12/2017
by Matthew

4 stars

Fast efficient and reasonable fee.

Fast efficient and reasonable fee.

11/12/2017
by Oleg

5 stars

Thank you!!!

Thank you!!!


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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