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Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
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Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

AZA Finance

Payment institution · United Kingdom

About the company

Legal company nameB Transfer Services Limited · NeWurth S.A. · Exchange4Free Ltd · Transferzero Money Transfer S.A.
Year founded2013
Headquarters / registered countryLondon, United Kingdom
Websiteazafinance.com
Last checked08.10.2026

According to its official website, AZA Finance was founded in Nairobi, Kenya, in 2013 as a currency exchange platform and has grown into a B2B fintech serving businesses operating in Africa and other frontier markets. The services are offered by NeWurth S.A., registered in Luxembourg, under the trading name "AZA Finance"; group companies include the London-based, FCA-regulated payment institutions B Transfer Services Limited and Exchange4free Limited, and Transferzero Money Transfer S.A. The site gives its UK FCA licence number as 673100 and states that it is also regulated by the Bank of Uganda (MR 125/23), the Central Bank of Nigeria (BT Payment Services Nigeria Limited, payment service provider licence), the Bank of Spain and the South African Reserve Bank (SARB). Remittance providers, multinational corporations and businesses are named as target clients; it offers treasury and liquidity services, international and intra-Africa payments, collections via mobile wallets and bank accounts, currency exchange in African and G20 currencies, a bulk payment API and an online payment portal. Offices are listed in London, Madrid, Nairobi, Lagos, Accra, Dakar, Kampala and Johannesburg. The Exchange4Free brand is now part of AZA Finance. This information is the company's own statement.

Account Details

ACCOUNT TYPESBusiness clients (companies, remittance providers)
MIN. DEPOSITNot stated
PLATFORMSWeb platform · API
PRODUCTSInternational and intra-Africa payments · Currency exchange · Collections · Treasury and liquidity · Bulk payment API

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 673100
Licence holderB Transfer Services Limited
ScopeListed in the FCA register as an Authorised Payment Institution under B Transfer Services Limited (FRN 673100) since 27 Jun 2018.
StatusVerified

FCA (United Kingdom)

Licence no.FRN 502845
Licence holderExchange4Free Ltd
ScopeListed in the FCA register as an Authorised Payment Institution under Exchange4Free Ltd (FRN 502845) since 21 May 2018.
StatusVerified

Banco de España (Spain)

Licence no.Not stated
Licence holderTransferzero Money Transfer S.A.
ScopeThe company states that its group is regulated by the Bank of Spain (Banco de España); the group member is named as Transferzero Money Transfer S.A., no number is given. The record could not be verified because the Banco de España register could not be read.
StatusPending verification

Bank of Uganda (Uganda)

Licence no.MR 125/23
Licence holderAZA Finance
ScopeThe company states that it holds a Bank of Uganda licence (MR 125/23); the licensed entity is not named on the site. The record could not be verified because the Bank of Uganda register could not be read.
StatusPending verification

CBN (Nigeria)

Licence no.Not stated
Licence holderBT Payment Services Nigeria Limited
ScopeThe company states that its subsidiary BT Payment Services Nigeria Limited holds a Central Bank of Nigeria (CBN) payments service provider licence; no licence number is given. The record could not be verified because the CBN register could not be read.
StatusPending verification

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: June 2023 – October 2026

  • Withdrawal / payment: 1
  • Customer support: 1

No. 468 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Withdrawal / payment: 415. · Customer support: 341.

SOURCES REVIEWED

The complaint distribution is based on the 1-star reviews on AZA Finance's Trustpilot page (2) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the AZA Finance name are left out. Across the complaints, delays to incoming transfers and difficulty reaching customer support over account access problems stand out.

Sources and verification history

Official company sourcesazafinance.com — homepage, about, contact, terms of use, payments, treasury, foreign exchange, collections, online payments and complaints pages
Regulator recordsFCA — B Transfer Services Limited, FRN 673100 (register.fca.org.uk) · FCA — Exchange4Free Ltd, FRN 502845 (register.fca.org.uk) · Banco de España, Bank of Uganda, CBN (Nigeria) — company statement, register could not be read
Company registerCompanies House — B TRANSFER SERVICES LIMITED, company no 09377714, incorporated 7 Jan 2015
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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