# Mukuru > Africa's leading financial services platform offering money transfers, card services, loans, funeral cover, and more. Trusted for over 20 years, Mukuru provides fast, reliable, and affordable financial services to individuals sending money across Africa, Europe, Asia, and the United States. ## About Mukuru Mukuru is a South Africa-headquartered fintech company operating as a full financial services platform for individuals — particularly migrant communities — who need to send money home. The company is operated by Mukuru Africa (Proprietary) Limited (Registration Number 2013/003424/07), with its registered office at Building 20, The Waverly Business Park, Wyecroft Road, Observatory, Cape Town, Western Cape 7700, South Africa. Mukuru Africa holds an Authorised Dealer in Foreign Exchange with Limited Authority (Category 2) licence from the South African Reserve Bank (SARB), permitting it to operate as a Bureaux de Change and offer money remittance services in partnership with external operators and business partners. Mukuru Financial Services is a registered Financial Services Provider (FSP) under FSP licence number 45517, authorised to provide financial advice and services in South Africa. ## Core Services ### Money Transfers (Send Money) - Send money to over 50 countries across Africa, Europe, Asia, and the United States of America - Over 300,000 pay-in and payout locations worldwide - Recipients can collect cash, receive funds directly into a bank account, or receive into a mobile wallet — often same day - Channels: Mukuru App, WhatsApp, USSD - Payment methods: Bank transfer, Apple Pay, Android Pay, Mukuru Card/Wallet (region-dependent) - Real-time transfer tracking and exchange rate alerts ### Mukuru Card - Prepaid card for cashless, hassle-free transactions in South Africa - Enables purchases of airtime and electricity, bill payments, and cash withdrawals - Used as the funding source for Mukuru Funeral Cover premiums - Fast Loan proceeds are paid directly to the Mukuru Card ### Mukuru Wallet - Digital wallet available in select countries (including Botswana, Zambia, Zimbabwe, Malawi) - Send and receive money locally and internationally - Buy electricity, airtime, and pay bills (DStv, GOtv, etc.) - Free cashouts on international transfers (select regions) ### Mukuru Pay - Shop online and pay in cash via Mukuru's retail partner network - Checkout using the Mukuru option at participating e-commerce merchants ### Mukuru Funeral Cover - Insurance product for South African customers - Four cover plan options available to suit different needs - Cash lump-sum payout for funeral expenses (coffin, food, etc.) - Repatriation service: arranges transport of deceased's remains back home (within South Africa and neighbouring countries, when body is more than 100 km from residence) - Accommodation assistance for family members required to identify or accompany the deceased - Transfer of ashes after cremation - Six-month waiting period for natural death; no waiting period for accidental death - Premiums debited from Mukuru Card on the 2nd of each month, or payable in cash at retail partners - Repatriation service provided through Europ Assistance Contact Centre, 24/7/365 - Extended family members can also be covered ### Mukuru Funeral Loyalty Benefit - Loyalty-based funeral benefit for South African customers at no additional cost - Activated when a customer sends one international money transfer of R700 or more in a calendar month - Cover worth up to R15,000 (approximately USD 830) depending on circumstances - Covers the sender for the calendar month following the qualifying transfer - Customer must register a chosen beneficiary to activate cover ### Mukuru Fast Loan - Personal loans of up to R8,000 - Apply via WhatsApp in minutes - Loan proceeds paid directly to the Mukuru Card (South Africa) ### Mukuru MPay (Bill Payments) - Simplified bill payment service available at Mukuru Branches and Booths - Available in select countries (Zimbabwe, Malawi, others) - Pay utility and subscription bills conveniently ### VALR Crypto (South Africa) - In partnership with VALR, customers can buy, hold, and sell USD Coin (USDC) directly from their phone ## Channels & Platforms - **Mukuru App**: Available on Android (Google Play) and iOS; fastest way to send money internationally; supports document uploads to increase sending limits - **WhatsApp**: Send money, apply for loans, manage orders - **USSD**: Available for feature phone users - **Web**: www.mukuru.com - **Branches & Booths**: Physical locations across multiple African countries ## Geographic Presence ### Sending Countries (includes but not limited to) - South Africa, United Kingdom, United States of America, Tanzania, Uganda, Zambia, Zimbabwe, and others across Africa and Europe ### Receiving Countries - Over 50 countries across Africa, Europe, Asia, and the United States of America - Payout partners available in over 18 African countries including South Africa, Malawi, Lesotho, Ghana, and Zimbabwe ### Country-Specific Websites - South Africa: mukuru.com/sa - Zimbabwe: mukuru.com/zw - Zambia: mukuru.com/zm - Malawi: mukuru.com/mw - United Kingdom: mukuru.com/en-uk ## Compliance & Security - Regulated by the South African Reserve Bank (SARB) - FAIS-regulated Financial Services Provider (FSP 45517) - KYC (Know Your Customer) document submission required at registration - All completed remittance transactions reported to SARB - Single discretionary allowance rules apply for South African senders - Fraud prevention resources available on the website - Information security policy published on site - Data protection policy in place ## Contact & Support - **Email**: support@mukuru.com - **Facebook**: facebook.com/mukurudotcom - Help & Support section: FAQs, branch/booth locator, fraud prevention - Complaints policy published on site - Malawi Contact Centre: +265 999 901 7013 | Mon–Sat 08:00–19:00, Sun 08:00–12:00 (CAT) ## Key URLs - Homepage: https://www.mukuru.com/ - Send Money: https://www.mukuru.com/services/send-money/ - Mukuru Card: https://www.mukuru.com/services/ (Card section) - Funeral Cover: https://www.mukuru.com/services/mukuru-funeral-cover/ - Funeral Cover Sign-up: https://www.mukuru.com/funeral-cover-sign-up/ - Help & Support / FAQs: https://www.mukuru.com/ (Help section) - Branches & Booths: https://www.mukuru.com/ (Branches section) - Legal / Terms of Use: https://www.mukuru.com/en-uk/legal/mukuru-money-transfer-service-2/ - Check Rates: https://www.mukuru.com/ (Rates section) - Rewards Program: https://www.mukuru.com/ (Rewards section)