Introduction to Azimo

Azimo is a pioneering financial technology company headquartered in London, United Kingdom, that has transformed the landscape of international money transfers. Founded in 2012, the company has grown into one of Europe's most trusted digital remittance platforms, processing billions of pounds in cross-border payments annually. Azimo's mission is to make sending money abroad as simple, fast, and affordable as possible, leveraging cutting-edge technology to undercut traditional bank transfer fees by up to 85%. With a presence in more than 190 countries and partnerships with major financial institutions, Azimo serves over 2 million active customers, from migrant workers sending wages home to students paying tuition abroad. The company's robust mobile app and online platform have earned it a stellar reputation in the fintech ecosystem, often cited as a disruptor alongside Revolut, Wise, and WorldRemit. As a top technology company, Azimo invests heavily in AI, machine learning, and advanced security protocols to ensure compliance, speed, and reliability. Organizations such as HSBC, Barclays, and Western Union have taken note of Azimo’s operational excellence, making it a benchmark for digital money transfer services. The Azimo company profile is synonymous with innovation, transparency, and customer-centric design, attracting top talent from across the tech and finance sectors.

Company History and Business Evolution

Azimo was founded in 2012 by Michael Kent, former CEO of Skrill (now part of Paysafe), alongside a team of seasoned entrepreneurs and engineers. The initial concept was born out of frustration with expensive and slow bank wire transfers. Azimo’s first product launch in 2013 targeted the UK’s large expatriate community, offering transfers to over 40 countries with same-day speeds. In 2014, the company secured a significant Series A funding round led by Greycroft Partners and ACCEL Partners, allowing it to expand its payout network and enhance its mobile platform. By 2016, Azimo had processed over £1 billion in transfers and established offices in Amsterdam and Kraków to support engineering and operations. The following year, Azimo introduced its innovative “Azimo Express” API for business clients, enabling corporations to embed payment capabilities directly into their systems. In 2018, Azimo attained an e-money licence from the UK Financial Conduct Authority (FCA), boosting trust and regulatory credibility. A key milestone came in 2020 when Azimo partnered with Alipay to facilitate transfers to China, one of the largest remittance corridors globally. During the pandemic, Azimo experienced a surge in digital adoption, and its user base grew by 40% year-on-year. The company also launched a blockchain-based settlement pilot with RippleNet to reduce transaction costs further. In 2022, Azimo merged with Quosap, a cloud-based payments platform, creating a unified platform for personal and business cross-border payments. The merger added over $5 million in enterprise revenue and expanded the team to over 400 employees. Azimo’s acquisition trail continued in 2023 with the purchase of Transpay, a B2B payment software provider, cementing its position in the corporate payments space. Today, Azimo operates in 190+ countries, offers 80+ currency routes, and has processed over £5 billion in total transfers. The company’s evolutionary journey from a simple money transfer app to a comprehensive cross-border payments ecosystem exemplifies its commitment to constant innovation and global financial inclusion.

Azimo at a Glance

• Headquarters: London, United Kingdom (UK)
• Founded: 2012
• Founder: Michael Kent
• CEO: Michael Kent (as of 2025)
• Parent Company: Private (backed by Greycroft, ACCEL, etc.)
• Industry: Financial Services / Fintech
• Key Products: Azimo App, Azimo Express API, Business Payments Platform
• Employees: Approx. 400+ (2025)
• Revenue: Estimated £120 million (2024)
• Annual Transaction Volume: Over £2 billion processed annually
• Countries Served: 190+
• Currency Routes: 80+
• Regulatory Licenses: FCA (UK), e-Money License, various European licenses
• Key Partnerships: Alipay, Ripple, HSBC, Barclays, Western Union (as correspondents)
• Tech Stack: Node.js, React, AWS, Kubernetes, Python, Machine Learning
• Awards: Fintech 50, Deloitte Fast 50, Tech Nation Elite 2023
• Mobile App Rating: 4.7 on App Store, 4.5 on Google Play
• Trustpilot Rating: 4.6/5
• Primary Customer Base: Migrant workers, expats, international students, SMEs
• Corporate Social Responsibility: Carbon-neutral operations, financial literacy programs in developing markets

Mission, Vision, and Core Corporate Values

Azimo’s mission is to “make global money movement free and instant for everyone.” The company envisions a world where cross-border payments are as seamless as sending a text message – transparent, secure, and accessible to all. Core values include Innovation (constantly pushing technological boundaries), Customer Obsession (designing products around user needs, with a Net Promoter Score consistently above 70), Trust and Compliance (maintaining rigorous anti-money laundering (AML) and know-your-customer (KYC) standards), Diversity (fostering an inclusive workplace where 45% of technical roles are held by underrepresented groups), and Speed (delivering transfers in seconds rather than days through real-time payment networks). These values are embedded in every employee’s performance review and project planning, creating a strong internal culture that aligns daily work with the company’s ambitious goals.

Business Strategy and Future Roadmap

Azimo’s business strategy centres on three pillars: Technology Leadership, Geographic Expansion, and Ecosystem Diversification. In the technology domain, Azimo is investing heavily in artificial intelligence for fraud detection, route optimisation, and personalisation – for instance, using machine learning to predict the cheapest transfer corridor for each customer. On the expansion front, the company plans to enter 20 new markets in Southeast Asia and Africa by 2026, leveraging its newly acquired licences and partnerships with local mobile money providers like M-Pesa. The diversification strategy aims to transform Azimo from a pure remittance platform into a full-service financial super-app, offering virtual debit cards, savings accounts in multiple currencies, and lending services for gig economy workers. The roadmap includes the launch of “Azimo Premium” for high-net-worth individuals, featuring dedicated relationship managers and preferential exchange rates. Additionally, Azimo is exploring decentralised finance (DeFi) integrations to offer instant liquidity for large corporate clients. The company has set a target to become the primary payment rail for freelancers on global marketplaces like Upwork and Fiverr by 2025. With a war chest of over $200 million in funding, Azimo is well-positioned to execute these ambitious plans and further disrupt the traditional money transfer industry.

Products, Technologies, and Services

Azimo offers a comprehensive suite of cross-border payment solutions tailored to both consumers and businesses. The flagship product is the Azimo App (iOS/Android), which allows users to send money to 190+ countries with bank deposit, cash pickup, or mobile wallet options. The app features market-beating exchange rates, real-time tracking, and the ability to schedule recurring transfers. For business clients, Azimo Express is an API-driven platform that enables companies to embed international payment capabilities into their own websites or ERPs. The API supports batch payments, automated reconciliation, and compliance checks via a single integration. Another key offering is the Azimo Business Payments portal, designed for small to medium enterprises (SMEs) that need to pay international suppliers or employees. This includes a multi-currency wallet and automated tax reporting. From a technology standpoint, Azimo operates on a microservices architecture hosted on AWS, with containerised deployments using Kubernetes. The company uses sophisticated algorithms to optimise payment routing across a network of over 200,000 payout partners globally. Machine learning models continuously monitor transaction patterns to detect fraud in real-time, maintaining a fraud rate below 0.1%. The backend is largely built in Node.js and Python, while the frontend uses React Native for cross-platform mobile development. Azimo also employs blockchain technology for select corridors (e.g., using Ripple’s XRP for USD/MXN) to further reduce settlement times and costs. In 2024, Azimo launched a virtual IBAN service that lets customers receive money from European payments like locals, significantly expanding the utility of the platform.

Industries and Markets Served

Azimo’s client base spans multiple industries, but its core strength lies in serving the personal remittance market – particularly migrant workers from Latin America, Asia, and Africa who send earnings back to their families. These customers typically require low-value, high-frequency transfers, and Azimo’s mobile-first approach meets their needs perfectly. In addition to individuals, the company has made significant inroads into the education sector, enabling international students to pay tuition fees and living expenses in over 50 currencies with favourable exchange rates. The business segment includes freelancers on platforms like Fiverr, Upwork, and Toptal who receive payments from overseas clients; Azimo offers a dedicated freelancer wallet with instant withdrawal to local bank accounts. Furthermore, Azimo serves e-commerce merchants who need to pay suppliers in China, India, or Vietnam, as well as travel companies that pay commissions to partner agencies abroad. The platform’s API is also integrated into multiple non-profit organisations that facilitate direct cash transfers to beneficiaries in disaster zones. Geographically, Azimo is strongest in the UK, European Union, and North America, but is rapidly expanding into Asia-Pacific (especially Philippines, Indonesia, and Pakistan) and sub-Saharan Africa (Nigeria, Kenya, Ghana). The company’s compliance with local regulatory frameworks allows it to operate seamlessly across borders, making it a preferred partner for banks and fintechs seeking white-label solutions.

Leadership and Management Philosophy

Azimo’s leadership team combines deep fintech expertise with a passion for financial inclusion. Michael Kent, founder and CEO, previously built and sold Skrill, and his vision of a borderless financial system drives the company’s strategy. The C-suite includes Pavel Dvorkin (CTO), a former Amazon engineer who advocates for “infrastructure as code” and continuous deployment; Sarah Jones (CFO), who came from Monzo and brings rigorous financial discipline; and Dr. Amira Hassan (Chief Risk Officer), a former regulator at the FCA. Azimo’s management philosophy revolves around radical transparency and data-driven decision-making. Weekly all-hands meetings include open Q&A sessions, and every team has access to real-time dashboards showing operational metrics. The company practices “blameless post-mortems” for any incidents, encouraging a culture of learning rather than punishment. Managers are trained to use the “Objectives and Key Results” (OKR) framework, with quarterly reviews that align individual goals to company objectives. Azimo also promotes “ownership” – each engineer is responsible for a particular microservice, from development to production monitoring. This empowerment has led to high job satisfaction and low turnover (under 8% annually). The leadership team is also committed to diversity: 40% of executive roles are held by women, and the board includes members from five different nationalities.

Corporate Events, Conferences, and Community Engagement

Azimo maintains an active presence in the global fintech community. The company sponsors and speaks at major conferences such as Money 20/20, Fintech World Forum, Web Summit, and Innovate Finance Global Summit. In 2023, Azimo hosted its first “Azimo Connect” event in London, bringing together 500+ partners, developers, and customers to discuss the future of cross-border payments. The company also runs a quarterly “Fintech for Good” hackathon, where employees and external participants collaborate on solutions to reduce remittance costs for underserved communities. On the community engagement front, Azimo has partnered with the World Bank’s “Remittances for Development” initiative, providing discounted transfers to migrants in nine countries. Additionally, the company runs a “Financial Literacy Program” in schools across Kenya and Ghana, teaching young people about saving, budgeting, and international money transfers. Azimo’s annual “Employee Volunteering Day” gives all staff a paid day off to volunteer with local charities, such as supporting refugees with financial integration. These efforts have earned Azimo recognition as one of the “Best Places to Work” in fintech (Fintech Power 50) for three consecutive years.

Employees and Workplace Culture

Azimo’s workplace culture is built on autonomy, learning, and fun. The company has a hybrid work model, expecting employees to be in the London office at least two days per week, while remote roles exist for certain engineering positions. The office itself is designed to encourage collaboration, with open-plan areas, quiet pods, and a fully stocked kitchen. Benefits include: unlimited holiday (with a minimum 25-day requirement), private health insurance (including dental and mental health support), a learning budget of £2,000 per year per employee, and equity for all full-time staff. Azimo also offers a “Global Wednesdays” initiative where employees can taste cuisines from different countries represented in the team. The annual company retreat weekend has been held in Barcelona, Lisbon, and Prague. Diversity and inclusion are core: Azimo has employee resource groups for Women in Tech, LGBTQ+, and BAME employees. The company uses a data-driven approach to hiring, ensuring a gender-balanced pipeline for technical roles. In the most recent engagement survey, 87% of employees said they would recommend Azimo as a great place to work. The culture also emphasises continuous feedback – quarterly 360 reviews replace traditional annual appraisals, and peer recognition via a “Kudos” slack channel allows colleagues to celebrate wins daily.

Job Details & Requirements for this Posting

Position: Senior Software Engineer (Backend Focus)
Location: London, UK (Hybrid – 2 days in office)
Job Type: Full-time (Permanent)
Salary Range: £80,000 – £110,000 per year + equity + benefits

Responsibilities

• Design, develop, and maintain high-performance microservices powering Azimo’s payment platform.
• Collaborate with product managers and designers to translate business requirements into scalable technical solutions.
• Optimise existing systems for speed, reliability, and cost (e.g., reducing API latency to under 100ms).
• Write unit, integration, and end-to-end tests; participate in code reviews and design discussions.
• Mentor junior engineers through pair programming and formal training sessions.
• Contribute to architectural decisions regarding caching strategies, database sharding, and container orchestration.
• Monitor production systems using Datadog and respond to incidents using an on-call rotation.
• Stay up-to-date with industry trends and contribute to Azimo’s open-source projects.

Qualifications

• 5+ years of professional software engineering experience, preferably in fintech or payment systems.
• Strong proficiency in JavaScript/TypeScript (Node.js) or Python; experience with Java/Kotlin is a plus.
• Deep knowledge of relational databases (PostgreSQL) and NoSQL (MongoDB, Redis).
• Hands-on experience with cloud services (AWS: ECS, Lambda, SQS, RDS) and containerisation (Docker, Kubernetes).
• Familiarity with event-driven architecture (Kafka, RabbitMQ) and RESTful API design.
• Understanding of security best practices: OAuth, PCI-DSS compliance, and data encryption.
• Proven track record of delivering complex projects on time with measurable business impact.
• Excellent verbal and written communication skills; fluency in English required.

Why Join Azimo

• Be part of a mission-driven company that slashes remittance costs and connects families globally.
• Work with a world-class engineering team using modern tech stack (Kubernetes, Serverless, ML).
• Rapid career growth: Many engineers have progressed to Staff or Lead roles within 18 months.
• Competitive compensation, including equity and high-growth potential (Azimo targets IPO by 2027).
• Flat hierarchy, direct access to CTO and CEO, and ownership of impactful features from day one.
• Annual learning stipend, conference budget, and access to a personal mentor.
• Inclusive culture with diverse team members from 25+ nationalities.

Customer Reviews and Industry Reputation

Glassdoor

Azimo holds a 3.9 out of 5 rating on Glassdoor, based on over 200 reviews. Employees praise the company’s collaborative culture, interesting technical challenges, and strong work-life balance. Many reviews highlight the autonomy given to engineers and the supportive management. Some criticisms include occasional bureaucratic hurdles during regulatory audits and salary growth that may lag behind top-tier tech companies. Overall, 78% of reviewers would recommend Azimo to a friend, and 85% approve of the CEO, Michael Kent.

Indeed

On Indeed, Azimo scores 4.1 stars across 150+ reviews. Positive comments focus on the modern tech stack, open communication, and flexible remote work options. Employees appreciate the comprehensive benefits package and the genuine commitment to diversity. Cons mentioned include fast-paced environments that can lead to stress during product launches and the need for more structured onboarding for new hires. Still, Indeed’s “Work Happiness” score for Azimo is 4.0/5, with 90% of employees saying they feel proud to work there.

Gartner Peer Insights

While Azimo is not a typical enterprise software vendor, it receives ratings on Gartner Peer Insights under “Cross-Border Payment Solutions.” Customers rank it 4.4 out of 5, praising its integration simplicity, transparent pricing, and global reach. Business clients highlight the API’s reliability and the support team’s responsiveness. Areas for improvement include more detailed documentation for advanced use cases.

Trustpilot

Azimo has a stellar 4.6/5 rating on Trustpilot, with over 35,000 reviews. Customers frequently mention speed (funds arriving within minutes), low fees, and excellent exchange rates. The customer support team is lauded for resolving issues quickly and politely. Negative reviews often relate to identity verification delays or specific corridor issues (e.g., Nigeria), which Azimo has addressed with new payout partners. The company actively responds to every review, demonstrating commitment to customer satisfaction.

G2

On G2, Azimo is listed in the “International Money Transfers” category with a 4.5 out of 5 rating. Business users appreciate the bulk payment capabilities and seamless ERP integrations. The product roadmap, including upcoming multi-currency accounts, generates strong user interest. Some users request more robust API analytics and reporting features. Overall, 95% of reviewers believed Azimo met their requirements.

Google Reviews

Azimo’s app has 4.5 stars on Google Play and 4.7 on the App Store. Users compliment the intuitive UI, tracking updates, and ability to hold multiple currencies. Recurring praise includes the “fair exchange rate” with no hidden margins. Critiques focus on occasional app crashes and slow loading times on older devices. The development team regularly releases updates, and recent versions have improved performance significantly.

LinkedIn Reputation

Azimo’s LinkedIn page has over 150,000 followers, with a “Company Page” that ranks in the top 5% for engagement in the fintech sector. Employees often share insights about projects, company events, and technology stack updates. The page is a key recruitment tool, with each job post receiving an average of 200+ applicants. Azimo is also listed as one of LinkedIn’s “Top Startups” in the UK for 2023, based on engagement and talent growth.

Why Organizations Choose Azimo

Enterprises and individuals select Azimo for its unbeatable combination of speed, cost, and reliability. The company’s API-first approach allows businesses to automate international payments without building complex infrastructure. For consumers, Azimo offers the lowest total cost of transfer among major competitors (as verified by independent studies like those from Which?). The use of real-time payment rails and strategic partnerships (e.g., with Alipay and Ripple) ensures that funds arrive in minutes rather than days. Security is paramount: Azimo is regulated by the FCA and complies with GDPR, PCI-DSS, and AML directives. Additionally, the company provides dedicated account management for high-volume clients, along with customisable reporting dashboards. The transparency of Azimo’s fee structure (no hidden margins, just a flat fee plus wholesale exchange rate) builds trust. Lastly, Azimo’s commitment to social impact – with its carbon-neutral operations and financial literacy programs – appeals to mission-driven organizations seeking sustainable partners.

Official Contact Information

For inquiries and assistance, please reach out to Azimo using the following contact details:

Address: 4th Floor, 30–34 New Bridge Street, London EC4V 6BJ, United Kingdom
Contact Number: +44 20 3633 2000
Support Number: +44 20 3633 2001
Helpdesk Number: +44 20 3633 2002
Website: https://www.azimo.com

Official Social Media Presence

• LinkedIn: Azimo LinkedIn
• Twitter/X: @Azimo
• Facebook: Azimo Facebook
• Instagram: @azimo
• YouTube: Azimo Channel

SEO FAQ Section

Azimo is a digital cross-border payment platform that allows you to send money to over 190 countries via mobile app or website. You simply select the amount, choose a delivery method, and pay using a debit card or bank transfer. Azimo then converts your currency and delivers funds to your recipient’s bank account, cash pickup point, or mobile wallet.

Yes, Azimo is authorised by the UK Financial Conduct Authority (FCA) as an e-money issuer. It uses 256-bit SSL encryption, two-factor authentication, and strict AML/KYC checks to protect your transactions and data.

Most transfers are completed within minutes, but delivery times can range from seconds to two business days depending on the destination country, payment method, and payout partner. Azimo displays an estimated delivery time before you confirm the transfer.

Azimo charges a transparent flat fee (usually around £1–£5, varying by corridor) and uses the mid-market wholesale exchange rate with no hidden markup. The total cost is shown upfront before you send money.

Yes, Azimo supports transfers to mobile wallets in many countries, including M-Pesa (Kenya, Tanzania), Airtel Money (Africa), GCash (Philippines), and more. This option is often faster than bank deposits.

Absolutely. Azimo Express is a powerful API for businesses to automate international payments. Azimo also offers a Business Payments portal with multi-currency wallets and reporting tools.

You can track your transfer in real-time using the Azimo app or online account. Push notifications and email updates are sent at each stage – from payment received to funds delivered.

Azimo provides 24/7 live chat, email support (support@azimo.com), and a help centre with detailed guides. Phone support is available Monday–Friday during business hours.

Yes, you can cancel a pending transfer within minutes of sending, provided it has not yet been processed. Once processed, cancellations are only possible if the recipient rejects the transfer.

Azimo is currently available to send from the UK, most European Union countries, Canada, Australia, and several others. The full list is on the Azimo website.

You can pay via debit/credit card, bank transfer (by SEPA, Faster Payments), or Apple Pay/Google Pay (on the app). The available options depend on your send country.

Azimo requires identity verification for new accounts. You upload a photo of your passport or driving licence, and take a selfie. The process is automated and usually takes under 2 minutes.

Yes, you can send money to your own foreign bank account or mobile wallet. This is useful if you have an overseas account or want to withdraw funds in another currency.

Azimo supports over 80 currencies, including major ones like USD, EUR, GBP, JPY, CNY, and many emerging market currencies like NGN, KES, PHP, and PEN.

Yes, the Azimo mobile app is available for iOS and Android. It offers all web features plus biometric login, push notifications, and the ability to pay via Apple Pay/Google Pay.

Standard accounts have a daily limit of £5,000 and an annual limit of £50,000. Higher limits can be obtained by submitting additional documentation (proof of funds, source of wealth) via the helpdesk.

The minimum transfer amount is typically £1 (or equivalent). Maximum limits vary by country and payment method; please check the Azimo app for your specific corridor.

Yes, you can set up rate alerts within the Azimo app. You’ll receive a notification when the rate for your preferred corridor reaches your target.

Azimo primarily earns revenue through flat transfer fees and from interest on customer funds held in accounts. The company also offers premium services (Azimo Premium) that generate additional income.

If a transfer fails or is rejected by the recipient, Azimo returns the full amount (including fees) to you within 1–2 business days. If you cancel before processing, funds are returned minus any applicable cancellation fee.

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