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Unimoni review

Sign up to send money to more than 190 countries.

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Unimoni offers competitive exchange rates in 110 currencies, but you can’t see how much a transfer will cost until after you sign up.

Must read: Not available for US senders

Unimoni is not available for US senders.

If you’re a US resident, compare providers that are available to you.

Quick verdict

Good for
  • Wide range of supported currencies
  • Bank transfers and cash payouts
  • Competitive rates
  • Easy to use
Not so great for
  • Paying by credit/debit card
  • Transparent fee information
  • US residents

Compare Unimoni to other brands

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Airwallex
Airwallex
Within minutes
$0
After spending $15k in your first 90 days, receive a one-time $500 bonus that will automatically be credited to your account on any FX conversion.
Airwallex can help you make business payments to 150+ countries in 60+ currencies.
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Cash App
Within minutes
From $0
With this peer-to-peer payment app make payments to your friends and family with no transfer fees within the US or from the US to the UK or EU.
Xe
Within minutes
From $0
Xe has fast transfers with low fees and a range of foreign currency tools.
Instarem
24 hours
From 0%
New Instarem customers will get a special FX rate and zero-fees on their first transfer.
Instarem offers offers rewards on every transaction.
MoneyGram
Within minutes
From $0
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
Western Union
Within minutes
From $0
Enjoy $0 fee on your first online transfer. Western Union makes money from currency exchange. Not valid on credit cards or sends to Cuba.
Western Union sends money online to friends and family in 200+ countries and territories around the world.
OFX International Money Transfers (Business)
24 hours
$0
Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates.
CurrencyTransfer for Business
24 hours
$0
Increase business efficiency with zero transaction fees and same-day transfers.
OFX
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Xe Money Transfer for Business
24 hours
$0
Save your time and money with Xe Money Transfer for business.
Currencies Direct (business)
24 hours
$0
Minimizes costs of international transactions and offers custom solutions for business clients. Currencies Direct may call you to confirm your transfer, so be prepared for a phone call shortly after initiating a transfer.
Xe
Within minutes
$3
Xe has fast transfers with low fees and a range of foreign currency tools.
CurrencyTransfer
24 hours
$0
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Currencies Direct
24 hours
$0
CurrenciesDirect makes transferring money abroad simple with bank-beating exchange rates. Currencies Direct may call you to confirm your transfer, so be prepared for a phone call shortly after initiating a transfer.
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Unimoni exchange rates and fees

Unimoni adds a margin on top of the mid-market exchange rate before selling currency to its customers. The mid-market rate is the rate you see listed on Google and Reuters.

The company also charges a transaction fee on all transfers, which varies depending on where you’re sending money and the type of transfer you select.

What types of transfers does Unimoni support?

Unimoni offers:

  1. Online money transfers. You can send a transfer directly to your recipient’s overseas bank account through the Unimoni website or mobile app.
  2. Cash pickups. You can send an instant cash transfer to 200,000 cash collection locations around the world. This service is offered in conjunction with Xpress Money and MoneyGram. Your recipient can collect the funds by visiting the nominated cash pickup location and providing photo ID and the transaction reference number.

Benefits and drawbacks

Pros
  • Competitive exchange rates. Use Unimoni’s online exchange rate calculator to see how its rates compare to those offered by other transfer services.
  • Payout options. You have the flexibility of sending either a bank account deposit or cash pickup transfer.
  • Easy to use. Unimoni’s online platform is easy to navigate and use.
  • Wide range of currencies supported. Unimoni allows you to send overseas transfers to more than 110 currencies.
Cons
  • Limited fee information. If you want to calculate the fees and charges that will apply to your transfer, you’ll first need to sign up for a Unimoni account.
  • Bank account payments only. If you want to pay for your transfer with your credit/debit card or cash, you’ll need to consider using a different transfer service.
  • Not available to US senders. Unimoni is only available to senders in select countries — and the US isn’t one of them.

How long does a transfer with Unimoni take?

Transfer speeds will vary depending on the delivery method you’ve selected.

  1. Cash payout transfer. Almost immediately.
  2. Bank account transfer. 2–3 business days.

Available currencies

Unimoni allows you to transfer money to more than 190 countries. Supported currencies include:

  • INR Indian rupees
  • PHP Philippine pesos
  • PKR Pakistani rupees
  • LKR Sri Lankan rupees
  • BDT Bangladeshi taka
  • USD US dollars
  • EUR Euros
  • GBP British pounds

How to register for an account

To register for an account with Unimoni, follow these steps.

  1. Visit the Unimoni website and select Sign up.
  2. Select the New User tab and provide your name, mobile number, email address and password.
  3. Verify that you’re 18 years or older.
  4. Review the terms and conditions and privacy statement.
  5. Select the Upload Document tab and verify your account by uploading proof of ID and a proof of address document.

How do I make an international money transfer with Unimoni?

Here’s what you’ll need to do to send money overseas with Unimoni:

  1. Visit the Unimoni website and log in to your account.
  2. Choose whether you want to send a bank transfer or a cash payout transfer.
  3. Add your recipient’s name, contact details and bank account details, if required.
  4. Enter the amount and currency you want to send.
  5. Choose your payment method.
  6. Review all transaction details and click “Send” to finalize your transfer.

What is Unimoni?

Unimoni is a global money transfer, foreign currency exchange, credit solutions and payment provider. It is part of the UAE Exchange group of companies, which was founded in 1980 and has its headquarters in Abu Dhabi. The group operates in 31 countries around the world and has served more than 15 million customers.

Bottom line

Unimoni offers competitive exchange rates and fast transfers, but it’s only available to senders in select countries. If you’re sending from the US, compare other transfer providers to find one that fits your needs.

Frequently asked questions

Image source: Supplied, Photographer: Unimoni