Sendwave review
Updated October 17, 2026 · SumCue Editorial Team
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Our verdict
Sendwave moves away from counter queues by placing international transfers inside a mobile app for family support. As an app led transfer service operated by Zepz, it suits households in the UK and Europe who regularly send money to friends and family abroad.
Key facts
- Best for
- Households sending money to loved ones abroad
- Deposit protection
- FSCS up to GBP 85,000↗
- Access terms
- Senders in Belgium, Canada, Germany, Spain, France, UK, Ireland, Italy, Portugal, US; Sendwave Wallet senders from US and UK only↗
- Account kind
- Cash management↗
- Legal entity
- Sendwave↗
- Headquarters
- Belgium↗
- Founded
- 2014↗
- Support channels
- Chat, Phone, Email, Help-centre↗
- Official website
- sendwave.com
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Provides international transfers through a mobile app instead of counter queues
- Runs under Zepz with permission to move funds across stated regions
- Uses debit card linking plus identity verification before transfers start
- Includes a separate Wallet choice for senders from the US and UK
Cons
- Mobile app only route with no face to face counter alternative
Who it suits
- Households supporting relatives abroad by phone
- Senders who prefer app based transfers
Who should look elsewhere
- People seeking in person counter service
Safety and regulation
Protection around Sendwave centres on app based controls and regulated money movement. Zepz runs the service, which holds transmission authorisation covering the US, Canada, the UK and the EU. Every sender links a debit card and completes identity checks before a transfer can proceed, which helps keep access tied to verified users. More than one million people around the world use the service, which aims to deliver funds to friends and family in a safe and straightforward manner.
Where Senders Can Start
Senders can start a transfer from several European countries as well as Canada and the United States. Destinations are concentrated in Africa and Asia, which reflects the service's focus on families who send money across those regions. Because the list of starting countries is set by the operator, anyone living outside those places should check whether the service is open to them before going ahead. Sending from a phone keeps the process simple for people who move between different countries.
Mission and Focus
The operator's mission centres on getting money to friends and family safely and with minimal fuss. Its work is centred on personal transfers that help loved ones, rather than on wider business payments. That focus shapes the whole experience, from the way the money is sent to the way it is received. Senders who want a service built around everyday family help will find that purpose clearly reflected in how the service is organised.
How Sendwave compares
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Where Sendwave is available
- Available
- Belgium, Canada, France, Germany, Ireland, Italy, Portugal, Spain, United Kingdom, United States
- Licence in United Kingdom
- Financial Conduct Authority (UK) (900891), checked September 26, 2026
- Licence in Belgium
- National Bank of Belgium, checked September 26, 2026
- Licence in United States
- New York State Department of Financial Services (NMLS No. 1179663), checked September 26, 2026
- Licence in Canada
- Revenue Quebec (0012181), checked September 26, 2026
- Licence in Canada
- FINTRAC (M11556765), checked September 26, 2026
- Licence in Belgium
- BE_NBB (PSD_PI BE_NBB!0733531321), checked September 26, 2026, also valid in Austria, Belgium, Cyprus, Germany, Estonia, Spain, Finland, France, Greece, Ireland, Italy, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Portugal, Slovenia, Slovakia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Sendwave do?+
Sendwave provides international money transfers through a mobile app for friends and family abroad. Users link a debit card, verify identity and then arrange transfers from a phone in seconds. The approach removes counter queues and keeps sending focused on direct support for loved ones.
Which regions does Sendwave serve?+
Permission for money movement covers the US, Canada, the UK and the EU under operation by Zepz. Senders use the mobile app to arrange transfers to friends and family abroad from those places. Expansion of the country list remains a future aim.
Who runs Sendwave?+
Zepz operates Sendwave as an international transfer service. More than one million users around the world trust the service for transfers to loved ones. Its mission centres on funds reaching friends and family safely and effortlessly.
What is Sendwave Wallet?+
Sendwave Wallet is an all in one wallet choice for senders from the US and the UK. Senders elsewhere can still use the main app to arrange standard money transfers abroad. Recipients also have a separate wallet option designed for receiving funds.
Which company operates Sendwave?+
Sendwave is operated by Sendwave. (Source, checked September 26, 2026)
Where is Sendwave based?+
Sendwave is based in Belgium. (Source, checked September 26, 2026)
When was Sendwave founded?+
Sendwave was founded in 2014. (Source, checked September 26, 2026)
How can I contact Sendwave support?+
Sendwave offers support through Chat, Phone, Email, 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=BE_NBB!0733531321; EntityType=PSD_PI; ENT_NAM=Sendwave”
- sendwave.com/default/countries checked September 26, 2026
Backs: Access terms
“Money Transfers Armenia from Belgium from Canada from Germany from Spain from France from the United Kingdom from Ireland from Italy from Portugal from the United States”
- sendwave.com/default/our-story checked September 26, 2026
Backs: Founded
“Since 2014, Sendwave has made sending money as easy as texting”
- sendwave.com/default/sendwave-wallet checked September 26, 2026
Backs: Account kind
“Sendwave Wallet gives you a simple way to store money - and send to loved ones when the time is right”
- sendwave.com/en/contact checked September 26, 2026
Backs: Deposit protection
- sendwave.com/en/support checked September 26, 2026
Backs: Support channels
“the Sendwave team is always on hand at any time by in-app chat for up-to-date support”
Compiled from 6 source pages, checked October 17, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term, Minimum deposit.