Juba Express

What Juba Express does

Juba Express is a digital international money transfer platform that primarily serves the African diaspora and other cross-border remittance users. The platform supports transfers across more than 100 countries and 40+ currencies, accessible via iOS and Android apps, web, and USSD technology that extends service to feature-phone users without internet access. Payout options include bank deposit, mobile wallet, mobile money, and cash pickup across 16,000+ locations, with operational hubs in Uganda, Kenya, Somalia, and Côte d'Ivoire underwriting in-region execution.

The platform architecture centers on a multi-layered risk and compliance operating system branded RiskOS, which integrates third-party identity, biometric, and document verification capabilities — notably the Regula Document Reader SDK with facial recognition and Socure eCBSV — into the sender onboarding and transaction flow. The recent dual partnership with Airtel Money Uganda extends the service into mobile money and USSD channels, broadening access to unbanked senders and recipients.

Juba Express operates under the corporate entities Consulting International Europe AB (Göteborg, Sweden) and JubaXpress Inc. (US). It is regulated as an authorized payment institution by Finansinspektionen in Sweden, is registered with FinCEN and holds state money transmitter licenses across nine US states (Illinois, Iowa, Nebraska, Wisconsin, Washington, Oregon, South Dakota, Georgia, Arizona), and is regulated in the UK, Canada, and Australia. The business model is transaction-fee and FX-margin based, monetizing remittance volume routed through consumer and partner channels, with 250+ employees supporting the operation.

Name

Juba Express

Legal name

Consulting International Europe AB

Website

https://www.jubaexpress.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

51–100 employees

Short description

Juba Express is a Sweden-based digital international money transfer platform serving the African diaspora and other cross-border users across 100+ countries and 40+ currencies via mobile apps, web, and USSD-enabled feature-phone access.

Ownership category

akta.pro rank

Product category

Cross-Border Remittance Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Consumer Remittances (P2P) (FSAMAIAA)

akta.pro secondary industries

SME & Business Cross-Border Payments (B2B) (FSAMAIAB), Cross-Border A2A & Bank Transfer Networks (FSAMAIAF)

Keywords

• International money transfers
• Cross-border remittance
• Mobile money transfers
• Offline USSD banking
• Digital remittance platform

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Transaction Fees: Fees charged per money transfer transaction. The service shows fees upfront with no hidden costs.
2. Exchange Rate Margin: Juba Express calculates exchange rates including a market rate and mark-up, profiting from the currency conversion spread

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Juba Express is a digital international money transfer service that enables individuals to send funds to recipients across 100+ countries via mobile app, web, and USSD channels. Users can fund transfers by debit card or bank account and choose payout methods including bank account deposit, mobile wallet, mobile money, or cash pickup at 16,000+ worldwide locations. The service targets the African diaspora and users in Africa, featuring competitive exchange rates, transparent upfront fees, real-time tracking, and an Offline USSD Remittance Service enabling transfers from feature phones without internet access in partnership with Airtel Money.

Product overview

Juba Express is a digital international money transfer platform operating across 100+ countries. The core product is the Juba Express International Money Transfer App, available on iOS and Android. Users can send money through multiple delivery methods including Bank Account Transfer, Debit Card Payment, Mobile Wallet Transfer, Mobile Money Transfer, and Cash Pickup Service. The platform also offers a Currency Calculator tool for real-time exchange rate checks. Recent additions include an Offline USSD Remittance Service enabling transfers via feature phones without internet access, in partnership with Airtel Money Uganda. The service is regulated in Sweden under Consulting International Europe AB and in the US under JubaXpress Inc.

Differentiator

Problem solved

Functional benefit

Products and services

• Juba Express International Money Transfer App The flagship mobile application (iOS and Android) for sending funds internationally across 100+ countries, with real-time transfer tracking, instant notifications, advanced security encryption, and compliance with global financial standards.
• Bank Account Transfer Service enabling senders to deposit funds directly into a recipient's bank account with competitive exchange rates and same-day processing.
• Mobile Wallet Transfer Transfer option that delivers funds directly to a recipient's mobile wallet for instant access.
• Mobile Money Transfer Transfer option enabling delivery to mobile money accounts across Africa with competitive rates.
• Cash Pickup Service Cash payout service allowing recipients to collect transferred funds from thousands of pickup locations worldwide.
• Offline USSD Remittance Service Cross-border remittance service using USSD technology to allow money transfers via feature phones without internet access, targeting individuals and small businesses with limited connectivity options, offered through the Airtel Money Uganda partnership.

Quantifiable outcome

• 95% of transfers completed within minutes
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and supporting.

• Airtel Money UgandacoreStrategic or Co-development Partner · 3 December 2025Airtel Money Uganda partnered with Juba Express to launch a cross-border remittance service using USSD technology, allowing Ugandans to send money to over 100 countries without internet access. The service enables transactions via feature phones, targeting individuals and small businesses with limited connectivity options.
• Airtel MoneycoreStrategic or Co-development Partner · 14 November 2025Airtel Money partnered with Juba Express to launch seamless cross-border money transfer services for Ugandans. The service offers low-cost, real-time transfers to over 120 countries, targeted at reducing remittance costs and increasing financial inclusion.
• Regula Document Reader SDKsupportingTechnology or IntegrationFacial data verification technology used on-device for customer identity verification during KYC process, powered by Regula Document Reader SDK

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Remitly: Public US-based digital remittance company focused on immigrant diaspora corridors, including strong Africa presence (Nigeria, Kenya, Ghana, etc.). Directly comparable to Juba Express as a mobile-first P2P remittance provider competing for the same African diaspora customers with similar bank, mobile wallet, and cash pickup payout options.
• Wise (TransferWise): Public UK-based cross-border money transfer and multi-currency platform serving both consumers and businesses. Comparable to Juba Express on cross-border P2P transfers and FX margin revenue model, with significantly broader corridor coverage and deeper B2B/API offering.
• WorldRemit: UK-based digital remittance company acquired by Zepz, focused on diaspora senders including Africa. Directly comparable to Juba Express on mobile-first P2P remittance, multi-rail payouts (bank, mobile money, cash pickup), and similar regulatory footprint.
• Sendwave: US-based mobile remittance app (owned by Zepz) specifically focused on African corridors (Ghana, Nigeria, Kenya, Senegal, etc.). Highly comparable to Juba Express on Africa diaspora target market, mobile-first distribution, and mobile money payout preference.
• Taptap Send: Mobile-first remittance app focused on emerging-market diaspora corridors, with significant Africa coverage. Comparable to Juba Express on no-fee positioning, smartphone app distribution, and a similar take-rate economics model across African corridors.

Broad incumbents

• Western Union: Global incumbent in consumer money transfer with the largest agent and cash pickup network worldwide. Overlaps with Juba Express on cross-border consumer remittance and 16,000+ pickup locations, but operates at vastly larger scale with full omnichannel distribution.
• MoneyGram: Global cross-border P2P payments and money transfer incumbent with extensive agent network across Africa. Comparable to Juba Express on consumer remittance and cash pickup, though at materially larger scale and broader geographic footprint.

Emerging players

• LemFi: Canada-based digital remittance startup focused on African and South Asian diaspora corridors. Comparable to Juba Express on Africa-focused mobile remittance, multi-currency support, and recent-stage growth profile.
• MFS Africa (Onafriq): Pan-African digital payments network connecting mobile money operators across 40+ African countries. Comparable to Juba Express on African corridor connectivity and mobile money payout infrastructure, though operating as a B2B network rather than direct consumer app.

Regional players

• Wave: Mobile money operator serving Senegal, Côte d'Ivoire, Mali, Burkina Faso, Gambia, and Uganda with low-cost digital transfers. Comparable to Juba Express on African mobile money and remittance rails, but primarily operates in-region rather than as a diaspora-to-Africa corridor provider.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/jubaexpress

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Juba Express