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

11,112 customer reviews on Azimo on Trustpilot


21 hours ago
by T. samuel

5 stars

Very realiable good rate & quick …

Very realiable good rate & quick transfer into any account within minutes. Hope the service stays like this with no disappointment in the future. But...Read more

Very realiable good rate & quick transfer into any account within minutes. Hope the service stays like this with no disappointment in the future. But for now weldone for the good service you rendering.

21 hours ago
by Member

1 stars

Bad service-not worth the hassle

I sent money on 16th January. First day the recipient was unable to collect even by showing his passport. Later on contacting azimo they give the transfer...Read more

I sent money on 16th January. First day the recipient was unable to collect even by showing his passport. Later on contacting azimo they give the transfer number and you can collect money after one hour. Because of late response bank was closed at that time. Next day recipient came back from another city to collect and was told there is no upgrade on this transfer. One azimo representative told me that she has requested the refund and for confirmation I contacted facebook.the person told me he can't give information about the refund confirmation. My money is blocked and cause trouble for the recipient. Online message response is not quick. Email response is even more worst.

1 day ago
by OKOOSI

5 stars

I've been sending money through Azimo …

I've been sending money through Azimo for sometime now. Money gets to the receipient in record time - compaired to what I used to. I have even recommended...Read more

I've been sending money through Azimo for sometime now. Money gets to the receipient in record time - compaired to what I used to. I have even recommended Azimo to three persons.


More reviews

1 day ago
by Sylver

5 stars

Azimo is amazing company because they …

Azimo is amazing company because they always delivered my money to my family and friends so very fast. Therefore i can recommend Azimo to any of my...Read more

Azimo is amazing company because they always delivered my money to my family and friends so very fast. Therefore i can recommend Azimo to any of my friends.

1 day ago
by Victor

4 stars

The service is excellent.

The service is excellent.

2 days ago
by Helen

3 stars

Average

Average – acceptable experience but with some friction.

3 days ago
by Rosemin Williams

5 stars

very fast

very fast, and got no problem at all,

4 days ago
by ADEKUNLE

5 stars

EXCELLENT KEEP IT UP

EXCELLENT KEEP IT UP

5 days ago
by Daromila

5 stars

It does what it says on the tin.

It does what it says on the tin. I have been using them for years now. never failed me. Always keep you informed at every stage. Very prompt service,...Read more

It does what it says on the tin. I have been using them for years now. never failed me. Always keep you informed at every stage. Very prompt service, decent rates. I recommended them to all my friends.

5 days ago
by Albert

5 stars

This is one of the best way in the …

This is one of the best way in the world to transfer money .Very nice,simple,reliable, fast and the cheapest ever. I recommend this app to all people.

6 days ago
by Magda Müller

5 stars

Safest online Money transfer company

It is fast and sure. Has low commission rates. Good exchange rate. But best, YOUR MONEY IS SAFE. If they cannot deliver, they credit back to you....Read more

It is fast and sure. Has low commission rates. Good exchange rate. But best, YOUR MONEY IS SAFE. If they cannot deliver, they credit back to you. Forget about worldremit.

6 days ago
by paul

5 stars

You maje sending money easy and fast

You make sending money easy and fast I now can send any time Perfect

6 days ago
by Deni Dugarov

1 stars

That was a bad experience

That was a bad experience. I was promised a "one hour money transfer". But instead my sister got refused in a very rude manner to pick up money...Read more

That was a bad experience. I was promised a "one hour money transfer". But instead my sister got refused in a very rude manner to pick up money because off the name and first name were written in wrong order. Like Ben Dover and Dover Ben are two different people. So my sister got no money, but Azimo refused return me the commission for no service. Greedy company. They said the Azimo have no responsibility over that. Avoid. No guaranty money's reaching the recipient, and no commission back.

6 days ago
by Pablo Zaremba

2 stars

Attention frequent senders!

If you are a frequent sender, most probable is that Azimo will ask you for a proof of funds, which will require and approval cycle that takes between...Read more

If you are a frequent sender, most probable is that Azimo will ask you for a proof of funds, which will require and approval cycle that takes between half and a whole day. This is fine as long they do it ONCE, but they will ask you to proof funds EVERY SINGLE TIME you make a transaction (four in less than a month in my case), and always AFTER BOOKING YOUR CREDIT CARD (NEVER BEFORE), so they're sure you'll prefer to wait their crappy customer care instead of waiting your credit card to be refunded. If you were asked BEFORE booking your credit card, you could choose to use another service like WorldRemit, which is clearly not fine for them. I asked four times by different means if I'd be asked to send my bank statements at every transaction and I received always elusive responses. Crappy practice. The rates are not that good and the fastness trivialised if you fall in the "proof of funds" loop. Avoid, for the sake of your nerves

6 days ago
by Emmanuel

4 stars

Good comparable rate with minimum …

Good comparable rate with minimum commission. This is a winner for me. The service can be better if the rate is made known in the App.

6 days ago
by Jenny Brooks

5 stars

Very happy

Very happy with transfer process every time I use Azimo.

6 days ago
by Stanley

4 stars

A phone contact would be useful at …07803540509

A phone contact would be useful at times when things do not go to plan

6 days ago
by Kofo Akpele

5 stars

The service is quick efficient and …

The service is quick efficient and reliable,but would nice to have a contact no for customer services as sending emails /chats isn't good enough for...Read more

The service is quick efficient and reliable,but would nice to have a contact no for customer services as sending emails /chats isn't good enough for customer satisfaction as most ppl I refer have one problem.or the other with their transactions .

6 days ago
by Carmina

5 stars

Superb app and so fast.

Superb app for sending money abroad. A great help for me and for my family. Thank you!

6 days ago
by Adesoji

5 stars

Easy to use

Easy to use, reliable, cheaper rate of commissions

1 week ago
by C. S.

5 stars

very pleased with the service

very pleased with the service, fast, secure and free of commissions, I definitely recommend it

1 week ago
by Hassan

5 stars

It’s an easy & relaible Service

It’s an easy, fast and relaiable way of transferring the money. A great app and service. Thank you.

1 week ago
by PJ

1 stars

Customer 'service' non-existent.

Tried making a money transfer using a debit card from my business account. Apparently they need further details, so they sent me a link to a part of their...Read more

Tried making a money transfer using a debit card from my business account. Apparently they need further details, so they sent me a link to a part of their website that timed out. My email asking about this was answered 7 hours later, just giving me a different link. In the meantime, I finally managed to get through on the online chat, as the first few times I tried the website didn't seem to be working properly. An hour later someone responded with a link to a form that worked. However the questions made no sense as I'm not a registered company. I queried this, and that person passed me off to someone else. An hour and a half later the new person responded with a question. I replied. Two and a half hours later, there has still been no repononse. It's a pity I cannot give zero stars. I can't see how to cancel the transaction, or I would.

1 week ago
by Ola

5 stars

Fast and easy

Great and dependable service

1 week ago
by Felix

5 stars

Send money cheap, safe and customer friendly

Have sent money overseas with azimo over a dozen times now. Always fast. Ease of use with app is incredible. Incomparably good value for money. If any...Read more

Have sent money overseas with azimo over a dozen times now. Always fast. Ease of use with app is incredible. Incomparably good value for money. If any issues arose (always caused by third parties (=banks), not azimo) customer services was always approachable and took ownership to find a solution.

1 week ago
by Alma Dela C

3 stars

Easy to send money to my family

Easy to send money to my family

1 week ago
by George

4 stars

Reasonable and efficient.

Reasonable exchange rates, reliable and efficient service.

1 week ago
by Mirasol

5 stars

Its very Nice and have a very low …

Its very Nice and have a very low payment

01/11/2018
by Muinat

2 stars

Very efficient and effective...we …

Very efficient and effective...we definitely recommend .thumps up.

01/11/2018
by Edesiri

5 stars

Brilliant

Quick and trusted . Customer service is excellent. I had a query and they responded swiftly and clear explanation . I will recommend Azimo any day.


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



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 -
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