Retail Commercial Banking & Credit · Retailer & Marketplace
Zepz
Consumer remittance platform for international money transfers.
Available information varies by company and source.
Profile record updated:
Company facts
- Entity type
- COMPANY
- Founded
- 2021
- Headquarters
- United Kingdom
- Company size
- 501–1,000
- Market cluster / sector
- Retail Commercial Banking & Credit
- Market role
- Retailer & Marketplace
- Official website
- zepz.io
What Zepz does
Zepz operates a multi-brand digital remittance model. It acquires consumers through mobile apps and web interfaces, facilitates international money transfers across multiple payout methods, and captures revenue on each transaction. The company creates value by offering convenient cross-border transfers, transparent pricing, fast delivery and corridor coverage that is relevant to migrant and diaspora communities. It then compounds that value through brand portfolio expansion, corridor depth, and adjacent financial products such as credit-enabled remittance services.
Category differentiation
Zepz is a consumer remittance and cross-border payments group, not an advertising, martech or enterprise SaaS platform. It should be distinguished from general payment processors because its core focus is consumer international money transfer via owned apps.
Strategic context
AI-supported assessment from the existing company research; distinguish interpretation from sourced facts.
Zepz is a private UK-based fintech group focused on consumer cross-border remittances. It operates the WorldRemit and Sendwave apps, which enable individuals to send money internationally to bank accounts, mobile wallets and cash pickup locations across a wide set of global corridors. Its products are aimed primarily at diaspora and migrant communities sending funds to friends and family, with a mobile-first service model and pricing built around transfer fees and foreign exchange spreads. The company generates revenue from transaction activity rather than software subscriptions. Its business has expanded through acquisitions, notably Sendwave in 2020 and Pomelo in 2026, the latter adding consumer credit and card-linked remittance capabilities. Zepz therefore sits as a scaled consumer payments platform rather than an enterprise software vendor, with growth tied to remittance volumes, corridor coverage, pricing efficiency and trust in regulated money movement.
Business model & monetisation
Zepz monetises through transaction-based economics on consumer remittances. The primary mechanisms are transfer fees and foreign exchange mark-ups applied per payment, with pricing varying by corridor, amount and payout type. Additional monetisation may come from corridor-specific pricing, referral-driven growth mechanics and, following the Pomelo acquisition, adjacent credit-linked financial services.
- Consumer remittance transfer fees
- Per-transaction fee
- Foreign exchange spread on transfers
- FX margin
- Credit-linked financial services
- Financial product revenue
Products & capabilities
No products with linked sources are available in this view.
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Cross-border payments and remittance platform for consumers and businesses.
Cross-border payments and multi-currency account platform for consumers and businesses.
Digital platform for global remittances and cross-border payouts.
Cross-border wallet and mass payouts platform for individuals and businesses.
Digital payments network spanning wallet, merchant tools and commerce media.
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Recent recorded signals
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Questions about Zepz
What is Zepz?
Zepz is a private cross-border payments group that operates consumer remittance apps including WorldRemit and Sendwave.
Who uses Zepz?
Its direct users are consumers, especially diaspora communities sending money internationally to family and friends.
How does Zepz make money?
It mainly earns revenue from remittance transaction fees and foreign exchange spreads on cross-border transfers.
Sources & coverage
This profile uses public, official and technically observable information. Missing information does not prove that a product or relationship does not exist. The list below does not imply that every profile statement has been verified.
15 publicly documented primary sources and citations linked across the market graph.
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