Lemfi review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
LemFi provides international payment products for immigrants managing money across borders and supporting loved ones in more than 30 countries. It suits people who want multicurrency wallets with delivery direct to bank accounts and mobile money.
Key facts
- Best for
- Immigrants sending money to more than 30 countries
- Deposit protection
- FSCS up to GBP 85,000↗
- Account kind
- Cash management↗
- Legal entity
- Lemfi Europe Limited↗
- Headquarters
- Ireland↗
- Founded
- 2019↗
- Support channels
- Email, Phone, Help-centre↗
- Official website
- lemfi.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- WikidataXLinkedInlemfi.onelink.me
Pros and cons
Pros
- Supports transfers to more than 30 countries for people abroad
- Offers multicurrency wallets for managing funds across borders
- Provides bank account and mobile money receive options
- Centres products on helping immigrants thrive financially worldwide
Cons
- Range focuses on international transfers rather than wider services
- Service centres on immigrants, which narrows its everyday appeal
Who it suits
- Immigrants managing money across different countries
- People sending funds to family and loved ones abroad
Who should look elsewhere
- People seeking domestic only everyday accounts
How Lemfi compares
Where Lemfi is available
- Available
- Canada, Ireland, Latvia, Netherlands, Nigeria, United Kingdom, United States
- Licence in United Kingdom
- Financial Conduct Authority (FCA), electronic money institution (900424), checked September 26, 2026
- Licence in Netherlands
- De Nederlandsche Bank (DNB), electronic money institution (R182870), checked September 26, 2026
- Licence in Nigeria
- Central Bank of Nigeria, International Money Transfer Operator (IMTO), checked September 26, 2026
- Licence in Canada
- FINTRAC, money service business (M20383642), checked September 26, 2026
- Licence in Ireland
- European Banking Authority, PSD register (payment institution), checked September 26, 2026
- Licence in Ireland
- IE_CBI (PSD_PI IE_CBI!C182347), checked September 26, 2026, also valid in Ireland
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Which countries does LemFi serve?+
LemFi serves more than 30 countries through international payment products. The service presents itself as international payments for everyone. It emphasises instant connection anywhere customers go.
What products does LemFi offer?+
LemFi offers international money transfer alongside multicurrency wallets. The wallets allow holders to manage funds across borders. Transfers send funds directly to loved ones abroad.
Who is LemFi intended for?+
LemFi is aimed at immigrants who want to thrive financially. Its mission and vision focus on immigrants across the world. It also shares stories about its customers and community.
How are transfers received?+
Recipients receive funds direct to bank accounts and through mobile money. Additional options give senders choice in how funds arrive. The approach gets money where it needs to be.
Which company operates Lemfi?+
Lemfi is operated by Lemfi Europe Limited. (Source, checked September 26, 2026)
Where is Lemfi based?+
Lemfi is based in Ireland. (Source, checked September 26, 2026)
When was Lemfi founded?+
Lemfi was founded in 2019. (Source, checked September 26, 2026)
How can I contact Lemfi support?+
Lemfi offers support through Email, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=IE_CBI!C182347; EntityType=PSD_PI; ENT_NAM=Lemfi Europe Limited”
- techcabal.com/2023/08/24/lemfi-raises-33-million-to-bring... checked September 26, 2026
Backs: Account kind, Founded
“Because LemFi's UK licence only permits creating wallets and holding user funds, the company does not offer lending (to earn interest on user deposits) in the same way a bank would.”
- lemfi.com/en-lv/about checked September 26, 2026
Backs: Deposit protection
- lemfi.com/en-lv/contact-us checked September 26, 2026
Backs: Support channels
“You can contact us by emailing support@lemfi.com or by clicking the button below to fill out our request form. Our team will respond to your inquiry within 24 hours. ... Phone ... we are available...”
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term, Minimum deposit.