Review: Unimoni international money transfers

Unimoni lets you send money to more than 190 countries, but you'll need to create an account to find out what transaction fees apply.

Updated Feb 21, 2019

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Quick verdict

Good for

Wide range of supported currencies
Bank transfers and cash payouts
Competitive rates
Easy to use

Not so great for

Paying by credit/debit card
Transparent fee information

Check out our full list of pros and cons below.

Learn more about:

Exchange rates and fees
Currencies
Services
Transfer time

Is it safe?
How to register
Alternatives to Unimoni
FAQs

Unimoni exchange rates and fees

Unimoni adds a margin on top of the mid-market exchange rate before selling currency to its customers. The mid-market rate is the "real" exchange rate you see listed on Google and Reuters.

The company also charges a transaction fee on all transfers, which varies depending on where you're sending money and the type of transfer you select.

Available currencies

Unimoni allows you to transfer money to more than 190 countries. Supported currencies include:

INR Indian rupees
PHP Philippine pesos

PKR Pakistani rupees
LKR Sri Lankan rupees

BDT Bangladeshi taka
USD US dollars

EUR Euros
GBP British pounds

What types of transfers can you make with Unimoni?

Unimoni offers two types of transfers for Australian customers:

Online money transfer. You can send a transfer directly to your recipient's overseas bank account through the Unimoni website or mobile app.
Cash payout. You can send an instant cash transfer to 200,000 cash collection locations around the world. This service is offered in conjunction with Xpress Money and MoneyGram. Your recipient can collect the funds by visiting the nominated cash pick-up location and providing photo ID and the transaction reference number.
Instant bank transfers. Unimoni's FLASHremit service offers fast transfers to your recipient's bank account. This option is only available for selected countries.

How long does a transfer with Unimoni take?

Transfer speeds will vary depending on the delivery method you've selected.

Cash payout transfer. Almost immediately
Bank account transfer. 2–3 business days

Which payment methods does Unimoni accept?

There are three ways to pay for your transfer with Unimoni:

Internet transfer
BPAY
POLi Payments

Is Unimoni safe to use?

Regulation: Regulated by the Australian Securities and Investments Commission (ASIC)
Established: 1980
Customers: 15 million

Reviews: Trustpilot TrustScore of 9.6/10 from 927 reviews
Security: 128-bit SSL encryption used

*According to Unimoni and Trustpilot on 12 February 2019

Unimoni Australia is regulated by the Australian Securities and Investments Commission (ASIC). It is also listed on the Australian Transaction Reports and Analysis Centre (AUSTRAC) Remittance Sector Register. Unimoni is part of UAE Exchange Group (UX Holdings Limited), which is a company incorporated under the laws of Dubai International Financial Centre.

Unimoni guarantees the safety of your money and information when sending an online transfer. It uses SSL encryption to secure transactions and Unimoni Australia is reportedly monitored by Norton Secured powered by VeriSign.

Country	Regulated by
Australia	Australian Securities and Investments Commission (ASIC) and Australian Transaction Reports and Analysis Centre (AUSTRAC)
Bahrain	Central Bank of Bahrain (CBB)
Canada	Financial Transactions Reports Analysis Centre of Canada (FINTRAC)
Fiji	Reserve Bank of Fiji
India	Reserve Bank of India
Kenya	Central Bank of Kenya
Kuwait	Central Bank of Kuwait
Qatar	Qatar Central Bank
Rwanda	National Bank of Rwanda
Seychelles	Central Bank of Seychelles
UAE	Central Bank of the UAE
Uganda	Bank of Uganda
United Kingdom	Financial Conduct Authority (FCA)
Zambia	Bank of Zambia

How does Unimoni make money?

Unimoni makes money in two ways:

By charging a nominal fee on all transfers
By adding a margin on top of the mid-market exchange rate. This margin is commonly between 0.5% and 1%, but can be higher in some cases.

How to register an account

How do I make an international money transfer with Unimoni?

Here's what you'll need to do to send money overseas with Unimoni:

Visit the Unimoni website and log in to your account.
Choose whether you want to send a bank transfer or a cash payout transfer.
Add your recipient's name, contact details and bank account details (if required).
Enter the amount and currency you want to send.
Choose your payment method.
Review all transaction details and click "Send" to finalise your transfer.

What is Unimoni?

Unimoni is a global money transfer, foreign currency exchange, credit solutions and payment provider. It is part of the UAE Exchange group of companies, which was founded in 1980 and has its headquarters in Abu Dhabi. The group operates in 31 countries around the world and has served more than 15 million customers.

In Australia, UAE Exchange and Money2Anywhere re-branded to the Unimoni Australia moniker in 2018.

In a nutshell

Pros

Competitive exchange rates. Use Unimoni's online exchange rate calculator to see how its rates compared to those offered by other transfer services.
Payout options. You have the flexibility of sending either a bank account deposit or cash pick-up transfer.
Easy to use. Unimoni's online platform is easy to navigate and use.
Wide range of currencies supported. Unimoni allows you to send overseas transfers to more than 110 currencies.

Cons

Limited fee information. If you want to calculate the fees and charges that will apply to your transfer, you'll first need to sign up for a Unimoni account.
Can only pay from your bank account. If you want to pay for your transfer with your credit/debit card or cash, you'll need to consider using a different transfer service.

How does Unimoni compare to other providers?

If you want to see how Unimoni's fees and exchange rates stack up against the competition, check out the comparison table below.

International money transfer services
Foreign cash providers

I want to send

Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
AUD 2,000	1 day	AUD 0.00	0.71	USD 3,548	TorFX guarantees to match any competitor's exchange rate. Conditions apply. Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 2,000.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, JPY, NOK, NZD, PLN, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
AUD 2,000	1 day	AUD 0.00	0.71	USD 3,548	SendFX guarantees to match any competitor's exchange rate. T&Cs apply. Fee-free transfers in 30+ currencies to over 200 countries.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 2,000.00 Transfer methods Online, Bank Account to Bank Account Transfer options Regular payments, One off payments, Forward contracts Customer service Phone, Email Available currencies AED, AUD, BGN, BHD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, IDR, ILS, INR, JPY, KES, KWD, MXN, MYR, NOK, NZD, OMR, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
AUD 2,000	1 day	AUD 0.00	0.71	USD 3,548	Better exchange rates for Finder customers. Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 2,000.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Chat, Email Available currencies AED, AUD, BBD, BGN, BHD, BWP, CAD, CHF, CLP, CNY, COP, CZK, DKK, EGP, EUR, FJD, GBP, HKD, HRK, HUF, IDR, ILS, INR, JMD, JOD, JPY, KES, KRW, KWD, LKR, MAD, MUR, MXN, MYR, NOK, NPR, NZD, OMR, PEN, PHP, PKR, PLN, QAR, RON, RUB, SAR, SEK, SGD, THB, TND, TRY, TTD, TZS, UGX, USD, VND, XCD, ZAR Go to site Read the full review
AUD 250	1 - 2 days	AUD 15.00	0.71	USD 3,537	$0 transfer fees for Finder customers. No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 250.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AUD, AZN, BGN, BND, CAD, CHF, CNY, CZK, DKK, EGP, EUR, FJD, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, LKR, MAD, MGA, MXN, MYR, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, RUB, SAR, SBD, SCR, SEK, SGD, THB, TOP, TRY, TWD, TZS, USD, VEF, VND, VUV, WST, XOF, XPF, ZAR Go to site Read the full review
GBP 3,000	1 day	-	-		Global Reach will match any competitor's exchange rates. Conditions apply. Get no fees for both business and personal transfers when you send your money overseas with Global Reach.	Go to site	Compare	Show details	Details Minimum transfer amount GBP 3,000.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Chat, Email, Branch Available currencies AED, AUD, BBD, BGN, BHD, BSD, CAD, CHF, CZK, DKK, EUR, GBP, GHS, HKD, HRK, HUF, ILS, JPY, KES, KWD, KYD, MUR, MXN, NOK, NZD, PLN, RON, RUB, SDG, SEK, THB, TRY, UGX, USD, XCD, ZAR Go to site Read the full review
AUD 1	1 day	N/A	N/A	N/A	Pay no fees on your first two transfers, up to $3,000. SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Chat, Email Available currencies AUD, EUR, GBP Go to site Read the full review
AUD 1	1 day	AUD 26.00	0.712	USD 3,544	Pay no fees on your first two transfers, up to $3,000. SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Chat, Email Available currencies AUD, CAD, EUR, GBP, HKD, IDR, INR, JPY, KRW, LKR, MYR, NPR, NZD, PHP, SGD, THB, USD, VND, ZAR Go to site Read the full review
AUD 0	Same day	AUD 2.99	0.705	USD 3,521	Special offers like free transfers and better exchange rates available for new customers. Affordable transfers around the world with both express and economy options. Express transfers delievered in as little as 10 minutes for an extra fee.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 0.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options N/A Customer service Phone, Chat, Email Available currencies ARS, AUD, BDT, BGN, BOB, BRL, CLP, CNY, COP, CRC, CZK, DOP, EGP, ETB, GHS, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, INR, JMD, KES, KMF, KRW, LKR, MAD, MXN, MYR, NGN, NIO, NPR, PEN, PHP, PKR, PLN, PYG, RON, RWF, THB, TND, TRY, TZS, UGX, USD, UYU, VND, XAF, XOF, ZAR Go to site Read the full review
AUD 1	Same day	AUD 0.00	0.709	USD 3,544	Get fast transfers with no fees and a range of foreign currency tools.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account Transfer options One off payments, Market orders Customer service Phone, Email Available currencies AED, AMD, AUD, BAM, BBD, BDT, BGN, BHD, BND, BRL, BWP, CAD, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EUR, FJD, GBP, GEL, GTQ, HKD, HNL, HRK, HUF, ILS, JMD, JOD, JPY, KES, KRW, KWD, KZT, LKR, LSL, MAD, MKD, MUR, MWK, MXN, MYR, NAD, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SZL, THB, TND, TOP, TRY, TTD, TWD, TZS, UGX, USD, VUV, WST, XCD, XPF, ZAR Go to site Read the full review
AUD 200	1 - 2 days	AUD 25.00	0.712	USD 3,542	Exclusive: Use code FINDER10 to receive US$10 off your first transaction. Quick and simple international money transfers with a flat 0.5% transfer fee for most transfers. Zero-margin rates on some currencies.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 200.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options One off payments Customer service Phone, Chat, Email Available currencies AUD, BDT, CAD, CNY, EUR, GBP, HKD, IDR, INR, KRW, LKR, MYR, NPR, PHP, PKR, SGD, THB, USD, VND Go to site Read the full review
AUD 5	1 - 2 days	EUR 3.00	0.705	USD 3,525	Special offer: Zero fees on your first 10 transfers. Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 5.00 Transfer methods Online Transfer options One off payments Customer service Phone, Email Available currencies AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, IDR, ILS, INR, NOK, NZD, PHP, PLN, SEK, SGD, THB, USD, ZAR Go to site Read the full review
AUD 1	Same day	AUD 3.99	0.704	USD 3,517	Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply. An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Email Available currencies AED, ALL, AMD, ANG, AOA, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BRL, BWP, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, MAD, MDL, MGA, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RUB, RWF, SCR, SEK, SGD, SLL, SOS, SRD, THB, TJS, TND, TOP, TRY, TZS, UAH, UGX, USD, UYU, VND, WST, XAF, XCD, XOF, ZAR, ZMW, BYN Go to site Read the full review

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Name	Product	Description	Minimum Order Amount	Maximum Order Amount	Delivery/Pickup Method	Commission Fees
Travelex Foreign Currency		Travelex makes it easy to exchange and get the best rate on over 40 currencies so you can be prepared for your next holiday.	$500	$5,000	In Store or At Airport	$0	More	Compare	loading Fetching your data...

Compare up to 4 providers

FAQs

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Tim Falk

Tim Falk is a writer for Finder, writing across a diverse range of topics. Over the course of his 15-year writing career, Tim has reported on everything from travel and personal finance to pets and TV soap operas. When he’s not staring at his computer, you can usually find him exploring the great outdoors.

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TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.

More info

SendFX International Money Transfers

SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.

More info

WorldFirst International Money Transfers

Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.

More info

OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.

More info

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Review: Unimoni international money transfers

Unimoni lets you send money to more than 190 countries, but you'll need to create an account to find out what transaction fees apply.

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Quick verdict

Good for

Not so great for

Learn more about:

Unimoni exchange rates and fees

Available currencies

What types of transfers can you make with Unimoni?

How long does a transfer with Unimoni take?

Which payment methods does Unimoni accept?

Is Unimoni safe to use?

Where is Unimoni regulated?

How does Unimoni make money?

How to register an account

Step 1: Head to the Unimoni website

Step 2: Enter your details

Step 3: Provide proof of ID

How do I make an international money transfer with Unimoni?

What is Unimoni?

In a nutshell

Pros

Cons

How does Unimoni compare to other providers?

Compare up to 4 providers

Compare up to 4 providers

FAQs

How many countries can I send money to?

How can I track my Unimoni transaction?

Tim Falk

More guides on Finder

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TorFX International Money Transfers

SendFX International Money Transfers

WorldFirst International Money Transfers

OFX (Ozforex) International Money Transfers

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