Unimoni
- Company typePrivate
- Founded1998
- HeadquartersKochi, India
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Unimoni does
Unimoni is the global retail-facing FinTech brand of Wizz Financial, providing cross-border money transfer (remittance), foreign currency exchange, and increasingly adjacent payment services to individual retail customers in expat and migrant corridors. The company operates through a hybrid distribution model combining 384 physical branches across GCC, South Asia, Southeast Asia, North America, and Oceania with custom mobile applications and country-specific websites (e.g., unimoni.ae, unimoni.in, unimoni.qa), giving it both offline presence in regions where cash pickup remains important and digital self-serve channels for transaction initiation and tracking. Underlying technology includes end-to-end real-time transfer tracking, state-of-the-art data encryption, and multi-currency support across at least 12 currencies (INR, PHP, USD, GBP, EUR, SGD, IDR, CAD, NZD, SAR, OMR, AED).
Unimoni's core products are remittance services (sending money to 160 countries) and foreign exchange services; the product surface was expanded in October 2025 with the Wizz Voyager AI-powered multi-currency card issued in partnership with Visa, targeting Indian outbound travelers. Digital wallet and bill payment services are listed as upcoming additions. The company is structured as separately licensed entities under the Wizz Financial group in each operating jurisdiction, providing regulatory cover but also limiting fungibility across borders.
Unimoni earns revenue primarily through transaction-based fees and FX spreads on money transfer and currency exchange, with a stated "little to low fees" pricing model and transparent upfront fee disclosure via a calculator. The go-to-market motion is direct-to-consumer through branches, apps, and websites, with geographic segmentation across GCC, South Asia, and the Americas via the Moneydart subsidiary. Headcount is reported at 101-250, consistent with a mid-sized platform that operates primarily through agent/branch networks rather than large in-house engineering and operations teams.
Unimoni firmographics
Firmographics- Name
- Unimoni
- Legal name
- Wizz Financial
- Website
- https://unimoni.com
- Company type
- Private
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Unimoni industry classification
Industry- Product category
- Cross-Border Money Transfer & Foreign Exchange
- akta.pro primary industry
- Cross-Border Card-Based Transfers & Multi-Currency Cards (FSAGAKAE)
- akta.pro secondary industries
- Cross-Border & FX Payments Platforms (BPAMAFAK), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Travel Money Cards & Multi-Currency Prepaid (FSAMANAI), Cross-Border Payments & FX (multi-currency wallets, DCC, remittance) (THALAHAE)
Keywords
Where Unimoni is headquartered
LocationHeadquarters
- HQ city
- Kochi
- HQ country
- India
- HQ region
- Asia
Offices7 records
Markets served
Unimoni business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain
Revenue model
- Money Transfer and Remittance Services: Earn revenue through transaction fees on international money transfers, with little to low fees model. Revenue is generated from currency exchange spreads and transfer charges with transparent pricing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transparent transaction-based pricing with upfront fee display |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Unimoni product offering
Product offeringCore offering
Unimoni provides international money transfer and foreign currency exchange services to retail customers across 160 countries through 384 physical branches, mobile apps, and country-specific websites. The company's core portfolio also includes the Wizz Voyager AI-powered multi-currency card, launched in India in October 2025 in partnership with Visa, which offers currency optimization, global ATM withdrawals, and travel benefits for Indian travelers.
Product overview
Unimoni is a global FinTech brand offering foreign currency exchange and international money transfer services. The core product portfolio includes remittance services (sending money to 160 countries) and foreign exchange services (multiple currency support including INR, PHP, USD, GBP, EUR, SGD, IDR, CAD, NZD, SAR, OMR, AED). The recently launched Wizz Voyager is an AI-powered multi-currency card in partnership with Visa, offering currency optimization for travelers. Unimoni also offers digital wallet and bill payment services which are upcoming additions. All services are accessible through custom apps, websites, and dedicated retail outlets across global markets.
Differentiator
Problem solved
Functional benefit
Products and services
- Remittance Services
Quantifiable outcome
- $3.5 billion transferred for 50+ million customers across 160 countries
Companies that use Unimoni
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
Unimoni technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature4 records
Unimoni partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and flagship.
- VisacoreWizz Financial's Unimoni launched India's first AI-powered multi-currency card 'Wizz Voyager' in partnership with Visa. The card offers currency optimization, global ATM withdrawals, and travel benefits targeting Indian travelers. This represents a significant innovation in cross-border fintech services combining Unimoni's remittance expertise with Visa's global card network infrastructure.
- Wizz Financialflagship
Scale indicators6 records
Recent moves5 records
Expansion highlights5 records
Unimoni competitors and assessment
Company assessmentDirect peers
- Western Union: Global leader in cross-border money transfer and remittance. Direct competitor in the same corridors as Unimoni, with overlapping retail and digital channels targeting expatriate and migrant workers.
- MoneyGram: Direct competitor in international remittances with a similar branch-based and digital model. Operates in many of the same GCC, South Asia, and Americas corridors as Unimoni.
- Wise (TransferWise): Digital-first cross-border payments and multi-currency account platform. Competes with Unimoni's remittance and FX services, particularly among tech-savvy customers, with a structurally lower cost base.
- Remitly: Digital remittance fintech focused on immigrant corridors worldwide. Direct competitor targeting similar expatriate and migrant worker customers in Asia and Gulf corridors.
- WorldRemit: Cross-border digital money transfer service covering many of the same corridors as Unimoni (India, Philippines, UAE). Direct competitor in remittance and mobile top-ups.
- Travelex: Global foreign currency exchange and travel money specialist. Comparable to Unimoni's foreign exchange and multi-currency card offerings, particularly for traveler segments.
Broad incumbents
- Xoom (PayPal): PayPal-owned remittance service that competes with Unimoni in India, Philippines, and Latin American corridors. Offers broader digital wallet integration through PayPal's ecosystem.
Emerging players
- Revolut: Multi-currency digital bank with a travel card that competes with Unimoni's Wizz Voyager in the cross-border card and FX space. Significantly more capital and product breadth, but weaker branch presence.
- Niyo Solutions: India-focused cross-border travel card issuer. Direct competitor to Unimoni's Wizz Voyager in the Indian outbound travel card market.
- PaySend: Digital remittance platform with broad corridor coverage. Competes with Unimoni's online remittance offering in GCC-Asia and global corridors.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Unimoni social profiles
Digital presenceUnimoni financial estimates
Financial estimateRevenue estimate
Valuation estimate
Unimoni leadership team
Management profileNumber of profiles
Profiles3 records
Unimoni subsidiaries and ownership
Company hierarchySubsidiaries7 records
Unimoni funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Unimoni M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Unimoni
What does Unimoni do?
Unimoni provides international money transfer and foreign currency exchange services to retail customers across 160 countries through 384 physical branches, mobile apps, and country-specific websites. The company's core portfolio also includes the Wizz Voyager AI-powered multi-currency card, launched in India in October 2025 in partnership with Visa, which offers currency optimization, global ATM withdrawals, and travel benefits for Indian travelers.
Is Unimoni a public or private company?
Unimoni is a private company. It is classified as corporate owned and is currently operating.
When was Unimoni founded?
Unimoni was founded in 1998. It employs 101 to 250 people.
Where is Unimoni based?
Unimoni is headquartered in Kochi, India, in the Asia region.
How does Unimoni make money?
One revenue line is on record: money Transfer and Remittance Services.
Who are Unimoni's main competitors?
Direct peers on record are Western Union, MoneyGram, Wise (TransferWise), Remitly, WorldRemit and Travelex. Xoom (PayPal) is listed as a broad incumbent. Emerging players are Revolut, Niyo Solutions and PaySend.
Does Unimoni have an API?
No public API is recorded for Unimoni.
What industry is Unimoni in?
Unimoni's product category is Cross-Border Money Transfer & Foreign Exchange. Its primary akta.pro industry code is FSAGAKAE, Cross-Border Card-Based Transfers & Multi-Currency Cards, with a secondary code of BPAMAFAK, Cross-Border & FX Payments Platforms.