About Us

Unimoni Financial Services Ltd., earlier known as UAE Exchange and Financial Services Ltd, is the country's leading Foreign Exchange and Travel Service provider, approved by the Reserve Bank of India. The company is headquartered in Ernakulam, Kerala, and has a nationwide network with 310 branches, 12,000+ agents, and 4.6 million+ customers. Unimoni is a part of Wizz Financial, a global platform for Payments and Foreign Exchange solutions with a worldwide reach spanning 170+ countries. The group has globally recognized brands such as Unimoni, WizzPay, Xpress Money, Money Dart, DirecPay, and Digital Infrastructure Technologies. The company facilitates seamless money movement across geographies, currencies and channels and offers exceptional travel services. It provides multiple customer touchpoints, including retail stores and digital and mobile solutions.


Satisfied Customers

Million Happy Customers


Billion Transactions

Billion Money Transferred



Branch Network


Industial Experience

23 + Years In Industry

Our Services


Get the best rates hassle-free. Let experts guide your financial journey!

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Send Money Abroad

Fast, secure, affordable transfers. More than transactions, it's about possibilities!

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Travel & Holidays

Dream vacations, expertly curated. Happy vacations are uniquely customized!

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Gold Loan

Instant cash whenever you need it. Easy online repayment facility!

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Unimoni Wallet

Your money, simplified. Exchange, explore, insure and everyday small transactions. All under one roof!

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Protect what matters with confidence. Life's adventures are covered!

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Awards & Recognition

Unimoni's Accolades: A Testament to Trusted Service

Unimoni's commitment to excellence has been recognized again! We are thrilled to share the numerous awards and recognitions we have received for our exceptional services.  We invite you to explore the full range of our services and experience the Unimoni difference for yourself.



1995 - Incorporated in India as Public Ltd. Company
1999 - Commenced operations with 5 branches
1999 - Commenced Money Transfer operations under MTSS License
2000 - Got FFMC License from RBI
2001 - Got IATA License as travel agent accreditation
2002 - Got NBFC License from RBI
2003 - Started Foreign Currency Export business
2006 - Got AD II License from RBI, became First FFMC to get upgraded to AD II
2008 - Commenced Gold Loan Operations
2009 - RBI grants License to operate PPI Wallet
2010 - Launched Unimoni Wallet for Utility Payment services
2012 - Commenced Domestic Money Transfer Services
2014 - On-boarded by NPCI for DMTS Payments
2015 - PCI DSS certification for Cyber Security
2016 - Launched UMart portal for Agents.
2016 - Tie up with UIDAI for Aadhaar Authentication
2016 - Commenced Hotel Booking
2016 - Started Remittance to Nepal
2018 - Rebranded as Unimoni Financial Services Ltd.
2020 - Launched Unimoni Mobile App for customers
2021 - New distribution Channel platform for air ticketing
2022 - Tie up with CSC (Common Service Center) for travel services
2022 - Started RemitForex B2B Portal
2023 - Started Education Loans for students

Our History

Unimoni, formerly known as UAE Exchange, began its services in India in 1991 and is currently headed by CA. Krishnan R, who is the Director & CEO of the company. In 1995, the company was incorporated as a Public Limited Company. In 1999, Unimoni initiated its operations, opening the first branch in Bangalore. Later, the company got Inward Money Transfer license and opened various branches at different locations in India. In 2006, Unimoni got AD II license from RBI, becoming the first FFMC in India to accomplish the same. In addition, 3 years later, in 2009, Unimoni was licensed to operate a Pre-paid card/Wallet, from RBI. In the next year, Unimoni took a great leap forward by launching India’s unique mobile payment service system - Unimoni Wallet App (previously XPay) in India, which was a significant milestone. In 2021, payments were commenced through the Mobile App, and Unimoni got another essential license for ‘Domestic Money Transfer’.

The year 2016 was remarkable in the history of Unimoni, as it joined hands with UIDAI for online e-KYC. The company also tied up with Inward and Outward Money Transfer Companies, namely Moneygram International Inc, Western Union Financial Services, IME Forex India Private Ltd, Muthoot Finserve USA Inc, Instant cash Global Money Transfer, Transfast Inc, Ria Money Transfer, Airtel Payments Bank, and Prabhu Money Transfer Private Ltd. Major leaps happened in the travel business to move into online B2C Air ticket & hotel booking facilities. 2018 was yet another turning point for the company as it got rebranded from ‘UAE Exchange & Financial Services Ltd’ to ‘Unimoni Financial Services Ltd’, and a significant focus came into its Gold Loans and payments business.

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