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Mukuru
by Mukuru
What Mukuru is
Mukuru is a financial services platform for international transfers and other everyday financial services. Customers can send money to mobile wallets, bank accounts, or cash collection in more than 60 countries across Africa, Europe, Asia, and the United States. Mukuru says its network has over 320,000 pay-in and payout locations. The Android, iOS, and web service supports registration, order creation and tracking, recipient management, and searches for payment or collection partners. Transfers are described as instant, while exchange rates vary; a calculator shows the applicable rate after countries and amount are entered. Depending on the sending country, orders can also be placed through WhatsApp or USSD. MukuruPay serves businesses, nonprofits, enterprises, and governments. Mukuru Card supports several payment functions but is currently available only in South Africa and Botswana. There is no free plan.
Who it suits
It suits consumers sending money internationally to wallets, bank accounts, or cash collection points. Businesses and organizations can use MukuruPay for payments across Africa.
What it does well
- Supports transfers to over 60 countries
- Offers cash, bank, and wallet receipt options
- Provides order tracking
- Available on Android, iOS, and web
- Supports WhatsApp and USSD ordering
What to know first
- No free plan
- Exchange rates vary
- Mukuru Card limited to two countries
- Pricing depends on selected countries and amount
Verdict
Mukuru combines international transfers with multiple receiving methods and a large stated collection network. Its additional business and card services depend on eligibility and location.
Facts from Mukuru's own pages
- Alternative channels
- Depending on the sending country, customers can register and place orders through the app, WhatsApp or USSD. · mukuru.com, 11 Oct 2026
- App availability
- Mukuru links to Android and iOS app downloads from its site. · mukuru.com, 12 Oct 2026
- App features
- The app lets customers register, create and track orders, manage recipient details, and search for payment or cash collection partners. · mukuru.com, 12 Oct 2026
- Business features
- MukuruPay describes a transactional portal with real-time payment management and reporting, multiple payment methods, and dedicated account-manager support. · mukuru.com, 11 Oct 2026
- Business service
- MukuruPay is presented for businesses, enterprises, nonprofits and governments to send and receive payments across Africa. · mukuru.com, 11 Oct 2026
- Company history
- Mukuru says it was founded in 2004 in the United Kingdom. · mukuru.com, 11 Oct 2026
- Customer support
- Support options include FAQs, WhatsApp self-service, phone, email, branches and Facebook chat. · mukuru.com, 11 Oct 2026
- Data protection
- Mukuru says its privacy program is driven by POPIA, GDPR, and other applicable data protection laws. · mukuru.com, 12 Oct 2026
- Exchange-rate model
- variable · mukuru.com, 22 Sept 2026
- Fees
- The app page says there are no hidden fees or collection fees when recipients collect cash at Mukuru branches and booths. · mukuru.com, 11 Oct 2026
- Founded
- Mukuru's company history says it was founded in 2004 in the United Kingdom. · mukuru.com, 12 Oct 2026
- Free plan
- No · mukuru.com, 22 Sept 2026
- Mobile platforms
- both · mukuru.com, 22 Sept 2026
- Money transfers
- Its app lets customers send money to mobile wallets, bank accounts or for cash collection across three continents. · mukuru.com, 11 Oct 2026
- Mukuru Card
- The Mukuru Card supports local and international transfers, salary deposits, cash withdrawals, and purchases of airtime, data, electricity, and vouchers; the page says it is currently available only in South Africa and Botswana. · mukuru.com, 12 Oct 2026
- Mukuru Pay
- Mukuru Pay supports bill payments at Mukuru branches and booths, including DStv payments in Zimbabwe and Zuku TV payments in Malawi. · mukuru.com, 12 Oct 2026
- Operating footprint
- Mukuru says it operates in more than 50 countries and has over 60 partnerships across the globe. · mukuru.com, 12 Oct 2026
- Other sending channels
- Customers can add recipients and place orders through the app, WhatsApp, or USSD, depending on their country. · mukuru.com, 12 Oct 2026
- Payment and collection network
- Mukuru says it has over 320,000 pay-in and payout locations and supports cash collection, bank accounts and mobile wallets. · mukuru.com, 11 Oct 2026
- Privacy
- Mukuru says its privacy program is driven by POPIA, GDPR and other applicable data-protection laws. · mukuru.com, 11 Oct 2026
- Purpose
- Mukuru describes itself as a financial services platform for Africa’s emerging consumers, offering technology solutions and financial products for everyday needs. · mukuru.com, 11 Oct 2026
- Rates and fees
- Mukuru directs customers to choose sending and receiving countries and an amount in its calculator to view the applicable rate. · mukuru.com, 12 Oct 2026
- Regulatory status
- The site identifies Mukuru Financial Services (Pty) Ltd as an authorized South African Financial Services Provider and registered Credit Provider. · mukuru.com, 12 Oct 2026
- Security
- Mukuru says its information security management system is certified to ISO/IEC 27001:2022 and is tested annually through internal and external audits. · mukuru.com, 12 Oct 2026
Where Mukuru stands on Freedom251
- Money Transfer Apps#78 of 81