Azimo Review

Sarah Pritzker

In a Nutshell

Azimo is a fully digital money transfer service that makes it easy and inexpensive to send money to family and friends across the globe. It offers a range of transfer types, fast transaction times, and transparent payment tracking so that you won’t worry about whether or not your money has arrived. Azimo uses a highly secure process and works with leading banks around the world.


  • Versatile – send payments in multiple currencies from 1 account
  • First transaction free for all customers
  • Track your payments for peace of mind


  • No round the clock customer support
  • It’s unclear if there’s a limit on bank transfer payments

What You Need to Know

Transfer fee
From £1.99 + 0.1% - 2.25%, first transfer free
Transfer time
90% of transfers arrive within 30 minutes
Transfer types
Direct to bank, cash pickup, SWIFT, mobile top-up, mobile wallet, home delivery
Daily transfer limit
No maximum on bank transfers; card payments have a maximum of £12,000
Transfer purpose
Personal and business
24/7 support

Azimo Fees and Rates

Azimo promises low fees and competitive rates, which vary depending on the currency you’re sending, the type of transfer you want to make, and the destination country. Although there’s no fee table, when you visit the transfer page for your chosen destination, you’ll get very clear information showing the fee you need to pay and the exchange rate, as well as the exact amount the recipient will receive from this transfer.

Your first transfer is fee-free, but after that, you'll pay the standard Azimo fee, which is usually between around £1.99  to £2. Azimo has occasional special offers when it waives the standard charge, and if you use the Azimo app, the first transfer is fee free. Exchange rates vary, but they seem to be in line with other money transfer services and lower than most bank exchange rates.

Azimo does warn that depending on the transfer method, you or the recipient might have to pay bank charges at the receiving end, so that’s something to bear in mind when you pick your transfer method. SWIFT generally comes with higher bank fees than a mobile top-up.

How Does It Work?

Using Azimo is very simple and straightforward:

1. Set up an account with Azimo:

  • Enter your email address and password 
  • Fill in your date of birth, residential address, and mobile phone number
  • You don’t have to share your credit card or bank details to set up an account

2. Enter all of the recipient details:

  • Choose the destination country
  • After you choose a currency, select which transfer type you prefer
  • Enter the recipient’s name, email address, and payment details

3. Choose the amount of money you'd like to send, from a minimum of £10 up to a maximum of £12,000 for card payments (there is no stated maximum for bank transfers)

4. Make a secure payment. You can pay via:

  • Your debit or credit card, for payments up to £12,000
  • Bank transfer to Azimo’s bank account
  • In Austria, Belgium, Germany, Italy, and the Netherlands you can make SOFORT payments, and from the Netherlands, you can also use iDeal

5. Track your transfer status using the ‘History’ tab in your Azimo account

How Long Does It Take?

The time it takes for your Azimo transfer to be processed depends on both your destination country and the transfer type.

For example, if you’re sending GBP to Nigeria, you can choose between:

  • Direct to bank transfer usually completes in under 30 min
  • SWIFT payments, which process within 24 hours
  • Mobile top-up, which is instant

Sending money from the UK to the Philippines, you have even more options:

  • Direct bank transfers complete on the same day
  • If you choose cash pickup, the money is available for the recipient in 1 hour
  • SWIFT transfers and home delivery payments complete within 24 hours
  • Mobile wallet payments and mobile top-ups are processed instantly

Azimo reminds its users that all of the delivery times are from when Azimo receives your payment. If you make a card payment, the money you’re sending is processed and ready to go almost immediately, but bank transfers can take time to complete. Bank transfers in the UK can take 1 working day before Azimo receives your payment, and from other European countries, it often takes 2 working days. Naturally, you'll need to allow more time if you're making a payment or bank transfer on weekends or bank holidays.

Azimo Top Highlights

Azimo’s biggest strengths are versatility and speed. You can make secure money transfers to over 190 countries around the world with just one account, and choose between multiple currencies each time. Payments can be sent in scores of currencies, and most destination countries permit the money to be received in more than one type of currency, as well.

Azimo also carries out transfers very quickly. Some types of transfers can occur instantly, such as to mobile wallets and mobile top-ups. Most of your Azimo transfers are completed within 24 hours, with just some SWIFT and bank transfers taking more than a single working day.

Other highlights include:

  • Low fees and even no fees for certain corridors
  • Competitive exchange rates
  • A range of transfer types so that your recipient can get the money he/she needs in the easiest way possible
  • A very simple, easy to use process

Customer Support

Azimo works hard to provide good customer support in multiple languages. The website and app, FAQs, and personal customer support are all offered in numerous languages, including Russian, Spanish, and Polish. The online support centre is easily searchable and answers most questions.

Personal customer support is offered through live chat in German, Polish, Russian, Italian, Portuguese, Spanish, or French, between Monday and Friday from 9am to 6pm, GMT. Azimo mainly uses social media like Twitter for customer support – it has an active presence on Facebook, Instagram, and YouTube as well.

Privacy and Security

As a money transfer service, Azimo takes security seriously. It’s regulated by the Financial Conduct Authority (FCA), the HMRC, and the TUV in Germany, and complies with multiple national and international best practice regulations for money transfers. The Azimo app is approved by both Google and Apple. All your data is securely encrypted, and your money for transfer is held in separate, secure accounts.

Azimo constantly scans transactions to spot anything suspicious, while all card payments are secured by MasterCard SecureCode and Verified by Visa. Sometimes payments will be delayed while Azimo examines the transaction.

Bottom Line

Azimo lets you make international money transfers to individuals, companies, suppliers, and businesses around the world. It’s fast, with almost all transactions completed within 24 hours, and many even occurring instantly. The numerous currencies, destinations, and transfer types on offer make it very convenient since you are able to make so many different payments around the world without having to create multiple accounts. Azimo is secure and reliable, with links to leading banks and licenses from international regulatory bodies.

Making a money transfer through Azimo is as simple as creating an account, entering the recipient’s details, choosing the currency and amount you are sending, and processing the payment. Both the website and the mobile app are well-designed, making it easy to find the right next step as you make your transfer and helping cut down on confusion which could lead you to make a mistake. Although the customer support could have longer hours and more options for getting in contact with the company would be nice, Azimo is a user-friendly and reliable money transfer service no matter where in the world you are and where you’re sending payment.

Sarah Pritzker is a content writer with years of experience and a keen interest in the vast world of online consumer products. She enjoys helping readers make sense of the options on the market in a variety of fields.

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27 Nov 2020

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