UnityLink Financial Services

What UnityLink Financial Services does

UnityLink Financial Services is a UK-based private remittance company operating since 1993 that provides online money transfer services targeted at the West African diaspora. The platform enables individuals to send money internationally to four corridor countries — Gambia, Ghana, Kenya, and Nigeria — with dedicated country-specific landing pages and services. The company serves primarily individual diaspora senders rather than enterprise customers, and operates without publicly disclosed revenue, funding, or ownership information.

The company's core technology is a mobile-first money transfer platform accessible via web and native iOS/Android applications, augmented by a physical agent network for cash-based transactions. Supporting features include real-time transaction tracking, multiple sending options, a self-service help center, and structured distribution through Ambassador, Agent, and Business Partner programs. The platform maintains UK and EU-specific compliance documentation including AML policies, complaints procedures, privacy policies, and modern slavery statements, indicating regulatory standing in both jurisdictions.

UnityLink generates revenue through transaction fees on international money transfers, with a pay-as-you-go pricing model. Its go-to-market combines digital self-serve channels (mobile app, web) with community-driven acquisition through an ambassador program and physical reach via agent locations and institutional business partners. Promotional campaigns such as 'Easter Send And Win' and 'Road To Glory 2026' are used to drive transaction volume. Leadership includes CEO Curtly Felix and Group CFO & Director of Business Development Rahul Rustagi.

Name

UnityLink Financial Services

Website

https://unitylink.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

51–100 employees

Short description

UnityLink Financial Services is a UK-based online remittance platform that enables the West African diaspora to send money to Gambia, Ghana, Kenya, and Nigeria via mobile app, web, and agent network, earning revenue from transaction fees.

Ownership category

akta.pro rank

Product category

Cross-Border Remittance

akta.pro primary industry

Consumer Remittances (P2P) (FSAMAIAA)

akta.pro secondary industries

P2P Transfers & Remittances Platforms (BPAMAFAE), Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH)

Keywords

• International money transfers
• Cross-border remittance
• Diaspora payment services
• Mobile remittance app
• Agent-based money transfer

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Money Transfer Transaction Fees: Revenue generated from transaction fees charged on international money transfers. The company tagline emphasizes 'affordable' transfers, suggesting competitive fee pricing.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

UnityLink Financial Services operates a mobile-first money transfer platform that enables individuals to send remittances to Gambia, Ghana, Kenya, and Nigeria. The service is delivered through a self-serve mobile app, a web interface, and a physical agent network, with transaction-based pricing on international transfers. Supporting the core transfer service are an ambassador referral program, a business partner channel, real-time transaction tracking, and AML-compliant policies for both standard and EU jurisdictions.

Product overview

UnityLink Financial Services operates a single unified money transfer platform designed for the West African diaspora. The core offering consists of international remittance services with dedicated country-specific corridors to Gambia, Ghana, Kenya, and Nigeria. Supporting the main transfer service are modules including transaction tracking, a help center, mobile app access, an agent network for in-person transfers, and an ambassador referral program. The platform also offers partner programs for business collaboration.

Differentiator

Problem solved

Functional benefit

Products and services

• International Money Transfer Service Fast, affordable, and secure international remittance service that connects members of the West African diaspora living abroad with family and friends in Gambia, Ghana, Kenya, and Nigeria. Accessible via mobile app, web platform, and physical agent locations.

Segments1 record

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sendwave: Mobile-first remittance app focused on African corridors (including Ghana, Kenya, Nigeria) with a similar diaspora-to-Africa sender profile. Closely comparable in customer segment, fee model, and corridor specialization.
• Remitly: Digital-first consumer remittance platform serving diaspora senders across multiple African corridors including Ghana, Kenya, and Nigeria. Directly comparable to UnityLink on customer segment, mobile/web delivery, and transaction-fee revenue model.
• WorldRemit: Global digital money transfer service with strong corridor coverage into West and East Africa. Competes with UnityLink on the same diaspora-to-Africa flows, offering mobile wallet, bank deposit, and cash pickup payout options.
• Dahabshiil: Africa-focused money transfer operator with deep agent networks in the Horn of Africa and growing West Africa presence. Comparable in corridor specialization, agent-led distribution, and diaspora customer base.

Broad incumbents

• Western Union: Global incumbent in consumer remittances with broad African corridor coverage including Ghana, Nigeria, and Kenya. Overlaps with UnityLink on cash-pickup agent model and West Africa payout footprint, but operates as a much broader multi-corridor platform.
• MoneyGram: Large global remittance and payments network with established agent locations across West and East Africa. Comparable on consumer remittance flows to Ghana, Nigeria, and Kenya, and on agent-based cash payout.
• Wise (TransferWise): Multi-currency money transfer and account platform with growing Africa corridor support. Comparable on cross-border payments technology and transparent fee model, though broader in scope than UnityLink's diaspora focus.

Emerging players

• Taptap Send: Mobile-only remittance startup targeting diaspora corridors including West Africa. Comparable to UnityLink in customer segment and corridor focus, but younger, venture-backed, and digital-only.
• LemFi: Diaspora-focused remittance app serving African and Asian corridors from Canada, the UK, and the US. Overlaps with UnityLink on the West African diaspora customer base and mobile-first delivery.
• Wave: Mobile money operator active in Senegal, Côte d'Ivoire, Gambia, and other West African markets. Comparable in West African geographic footprint and recipient-side payout experience, though it is primarily a domestic mobile money network rather than a cross-border remitter.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/unitylink

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 UnityLink Financial Services