Mukuru’s fees depend on the country and currency for your transfer, but all fees and rates are explained upfront and are included in your cost before booking your transfer.
Mukuru currently supports money transfers to select countries mainly in Africa. Some of the more popular currencies include:
KES Kenyan shilling
LSL Lesotho loti
MWK Malawian kwacha
MZN Mozambican metical
ZMW Zambian kwacha
NGN Nigerian naira
ZAR South African rand
What types of transfers can you make with Mukuru?
Mukuru specialises in single transfers to friends and family, whether over the phone, through the app, online or through one of its branches. You can’t set up a recurring transfer through Mukuru and it doesn’t specialise in business transfers.
You can make transfers to any of the following, depending on the country you’re sending to:
Bank account. The money will be deposited directly into the bank account you choose. You’ll need to know the SWIFT code as well. This option is currently available for all supported countries.
Cash pick-up location. You can send money to a cash pick-up location for your recipient to collect. If you choose this option, the person picking it up will need a valid photo ID on hand and the reference number. You’ll only be able to use this for transfers to Zimbabwe, Malawi, Namibia and Zambia.
Mobile wallet. Send to your recipient’s smartphone wallet. This option is helpful if your recipient doesn’t have a bank account and isn’t near a cash pick-up location. You can use it in Zimbabwe, Malawi and Mozambique.
Top-up card collection. This is used when you want to send money directly to your recipient’s card. You’ll need their card number and address. This is currently only available in Zimbabwe.
How long does a transfer with Mukuru take?
Once a debit or credit card has been verified, transfers are instant, much the same as paying with cash. Transfers from a bank account will typically arrive the next business day.
What payment methods does Mukuru accept?
The supported payment methods vary depending on where you are in the world, but from Europe, you’ll be able to pay through a bank transfer or by debit or credit card.
From the countries within Africa, you’ll have the option of paying for a transfer by making a cash deposit at one of Mukuru’s partner branches or by using your debit or credit card. Keep in mind that paying by credit card ends up adding a percentage fee on top.
Is Mukuru safe to use?
Security and regulation: Government-regulated with card verification for all users.
Reviews: Trustpilot gives Mukuru a score of 1.9 out of 5, based on 30 reviews.*
*According to Trustpilot on 26 February 2020.
Mukuru is regulated by the UK’s Financial Conduct Authority (FCA).
How does Mukuru make money?
Mukuru charges a fixed fee depending on how much money you transfer. It also makes money by adding a margin to the exchange rate it offers. You can find out the exchange rate through Mukuru’s price-check tool online. Always check you have a favourable rate before proceeding with any transaction.
How to register an account
You’ll have the option to get started and sign up at the top of the page.
Enter in all your personal details including full name, address and date of birth.
Select how much money you wish to send and the country where you wish to send it. Then choose a delivery option.
The details you need to provide will differ depending on the delivery option you select but the following details will likely be needed: name, telephone number, bank account details, address and pick-up location.
Check all the details carefully including the transfer fees and the exchange rate offered before proceeding.
Once you’re happy with the details, proceed with the debit/credit card payment. Once the funds are received by Mukuru, your funds could be with your recipient instantly.
What is Mukuru?
Launched in 2006, Mukuru is a digital international money transfer service based in the UK offering remittances to more than 10 countries, mainly in Africa.
Mukuru was essentially created to help people move money within Africa and claims to be one of the easiest ways to send money and receive cash within the continent.
In a nutshell
Transfer without verification. Up to £600 can be transferred without ID verification.
Low, transparent fees. You’ll see your total fees before booking your transfer.
High transfer amounts. Transfers of £4,000+ with proof of income or a bank statement.
Simple registration. It’s easy and fast to register and set up a transaction online.
Limited payment methods. While anyone in Europe can transfer money through their bank, wire transfers are not available from within Africa as only cash or card transfers are supported.
Limited customer reviews. Very few customers have left reviews so it’s important that you check you’re happy with the transfer deal on offer before proceeding.
How does Mukuru compare to other providers?
Table: sorted by a combination of service offering and the amount your recipient will receive
Check out some of Mukuru’s competitors in the table below to see how it compares:
Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.
Frequently asked questions
If you want to transfer money to Zimbabwe and wish for the funds to be received via EcoCash, simply select “EcoCash” as the collection method once you’ve chosen “Zimbabwe” as your recipient country.
You won’t need to verify your identity for transfers of £600 or less, but card verification is required in order to prevent any fraudulent activity and to protect funds.
Mukuru verifies all its customers who transfer £600 or more in order to comply with AML regulations and KYC procedures. You’ll need to upload a photo of yourself holding your passport.
Yes, it’s available for both iOS and Android users.
Yes, you can. You’ll need to contact Mukuru and request the cancellation. If you’re due a refund, this should be returned to your account within two or three business days.
Helen Champion is an associate editor at Finder. She has worked in communications for over 16 years and currently writes on a range of topics including insurance and money transfers in the hope of empowering people to make better financial decisions. During her broadcast career, she helped to produce hundreds of news and breaking news reports for Associated Press TV and ITV News. And in public relations, she managed several high-profile public relations campaigns for Macmillan Cancer Support, the General Medical Council and overseas for Qatar Foundation on behalf of BLJ Worldwide. Helen has a Bachelor of Arts in Journalism from the University of Lincoln, a passion for practising karate in the dojo and a deep love of making mischief with her sons.
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