---
title: "Mukuru: Money Transfer App in Africa"
description: "Send money internationally with cash pickup, bank or mobile wallet payouts. Pay bills, buy airtime/electricity, and shop online with cash via USSD."
canonical_url: "https://liners.com/mukuru"
markdown_url: "https://liners.com/mukuru.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/mukuru/screenshot.webp?v=1774383247150"
published_at: "2026-03-25T15:59:29.613Z"
updated_at: "2026-10-06T10:42:06.717Z"
---

# Mukuru: Money Transfer App in Africa

Send money internationally with cash pickup, bank or mobile wallet payouts. Pay bills, buy airtime/electricity, and shop online with cash via USSD.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Mukuru](/mukuru)

## Summary

Send money across borders with cash, card, or wallet payouts

A cross-border money transfer and digital finance platform for individuals in Africa, offering cash pickup, bank and mobile wallet payouts, plus wallet, card, and cash-to-online payments.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.mukuru.com/ |
| Tagline | Send money across borders with cash, card, or wallet payouts |
| Primary country | South Africa |
| Platforms | Web, Android, iOS |
| Average rating | 5 |
| Published reviews | 1 |
| Verified listing | No |

## About the product

Mukuru is a financial services platform for individuals who need to send money internationally and access everyday digital payment services, especially across African markets.

Key capabilities include:
- **International money transfers** to 50+ countries, supported by 320,000+ **pay-in and payout locations**, plus options to send money **directly to bank accounts or mobile wallets**.
- **Mukuru Wallet** for **sending and receiving money**, buying **electricity and airtime**, and paying selected bills (for example, **DStv payments in Botswana**).
- **Mukuru Pay** for **online shopping with cash payments**, allowing customers to check out with Mukuru and pay in cash at retail partners.
- **Mukuru Card** (prepaid) for **cashless payments**, designed for day-to-day spending.

Available on **Web**, **Android**, **iOS**, **Huawei AppGallery**, **USSD** (*130*567#), and via **physical branches and booths**.

It primarily serves **B2C customers**, including migrant workers and families who rely on accessible cross-border remittances and cash-based payment options.

Notable in Africa for combining a large physical network with digital channels, supporting multi-language assistance, and processing significant scale (16+ million customers and 100+ million transactions). Mukuru Financial Services (Pty) Ltd is listed as an **authorized Financial Services Provider** in South Africa (FSP45517) and a **registered Credit Provider** (NCRCP9244).

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [Remittances](/tags/remittances): Product feature or technology
- [Botswana](/countries/botswana): Market
- [Kenya](/countries/kenya): Market
- [Lesotho](/countries/lesotho): Market
- [Malawi](/countries/malawi): Market
- [Rwanda](/countries/rwanda): Market
- [South Africa](/countries/south-africa): Market
- [Uganda](/countries/uganda): Market
- [Zambia](/countries/zambia): Market
- [Zimbabwe](/countries/zimbabwe): Market

## Related pages

- [Alternatives](/mukuru/alternatives)
- [Reviews](/mukuru/reviews)
- [Transparency](/mukuru/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/mukuru)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)