Review: Mukuru international money transfers

Quick, affordable transfers to more than 10 countries in Africa.


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Quick verdict

Good for
  • Cash pick-ups
  • Quick deliveries
  • Sending money to Africa
  • Using your mobile to send money
  • Bank transfers from Europe
Not so great for
  • Sending money to countries outside of Africa
  • Sending money transfers of £600+ without ID verification
  • Bank transfers from Africa

Mukuru exchange rates and fees

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.

Available currencies

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.
  • Established: 2006
  • Reviews: Trustpilot gives Mukuru a score of 1.9 out of 5, based on 30 reviews.*

*According to Trustpilot on 26 February 2020.

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

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:

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 1 2 days GBP 20.00 1.359 USD
TransferWise uses the mid-market rate and transparent fees to help you send money in 45+ currencies. Go to site Show details
GBP 2,000 1 day GBP 0.00 1.345 USD
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000. Go to site Show details
GBP 1,000 Same day GBP 0.00 1.345 USD
SpartanFX has fee-free transfers, a best exchange rate guarantee and personalised one-to-one support for every customer. Go to site Show details
GBP 2,000 1 day GBP 0.00 1.345 USD
CurrenciesDirect makes transferring money abroad simple with bank-beating exchange rates. Go to site Show details
GBP 5,000 1 day GBP 0.00 1.351 USD
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace. Go to site Show details
GBP 2,500 Same day GBP 0.00 1.345 USD
CentralFX's dedicated team will guide you or your business from first call to final payment. Go to site Show details
GBP 1 Same day GBP 0.00 1.352 USD
XE has fast transfers with no fees and a range of foreign currency tools. Go to site Show details
GBP 10 Within an hour GBP 1.99 1.341 USD
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Go to site Show details
GBP 5 2 days EUR 3.00 1.352 USD
Special offer: Zero fees on your first 10 transfers.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
GBP 10 Within an hour GBP 2.00 1.352 USD
First two transfers free for new customers.
Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.
Go to site Show details
GBP 50 Same day GBP 2.99 1.345 USD
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

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