Guavapay

What is Guavapay and what do they do?

Guavapay is a UK-based fintech company that provides consumer-focused payment and money management services through its MyGuava application, alongside limited business functionality via MyGuava Business. The company positions its core product as an all-in-one money app that combines everyday payments, international transfers, budgeting tools, and spending features in a single interface.

The MyGuava app enables users to send and receive money, make card payments, and manage balances across multiple currencies. International money transfers are marketed as covering more than 140 countries and around 90 currencies, with pricing positioned as transparent and free from hidden fees. The platform also supports card-to-card transfers, allowing users to send funds directly to payment cards globally.

Guavapay issues physical and virtual payment cards designed for everyday use and travel. These cards can be linked to Apple Pay for contactless payments and are presented as adapting to users’ currency needs when travelling. In addition to payments, the app includes peer-to-peer and group payment functionality, enabling users to send, request, or split money directly within chat-style conversations.

Beyond payments, MyGuava includes personal finance features such as spending categorisation, transaction history, budgeting insights, and “Vaults” for setting aside funds toward savings goals. The app also offers access to digital gift cards from a range of brands, integrating shopping and payments within the same ecosystem.

Who is it for?

Guavapay is primarily aimed at individual consumers looking for a single app to manage everyday finances, including payments, transfers, and budgeting. It is particularly relevant for users who make frequent international transfers, travel often, or manage spending across multiple currencies.

The MyGuava app is positioned toward digitally savvy users who value convenience, mobile-first financial services, and integrated money management tools. Features such as peer-to-peer payments, group transfers, and in-app budgeting tools appeal to users who want visibility and control over day-to-day spending without relying on multiple financial apps.

MyGuava Business extends some functionality to business users, although Guavapay’s public positioning remains predominantly consumer-focused rather than enterprise- or merchant-centric.

Why do businesses and users choose Guavapay?

Users are typically drawn to Guavapay for its breadth of features within a single application. Combining payments, international transfers, budgeting, savings tools, and spending features reduces the need to juggle separate apps or services.

International reach is another key factor. Support for a wide range of countries and currencies, alongside card-to-card transfers and travel-oriented cards, makes the platform appealing to users with cross-border payment needs. Partnerships with third-party providers, such as transaction data enrichment services and international payment partners, are positioned as enhancing clarity and usability within the app.

Guavapay also emphasises simplicity and transparency in its product messaging, highlighting the absence of complex pricing structures and a focus on accessibility. Ongoing feature development, informed by user feedback, is presented as part of the company’s product philosophy.

Is Guavapay trustworthy?

Guavapay Limited is a UK-based fintech operating under regulatory oversight. In September 2025, the company announced that it was temporarily unable to accept new funds into the MyGuava app and MyGuava Business platform following requirements agreed with the UK Financial Conduct Authority. In the same notice, Guavapay stated that existing customer funds remained secure and accessible, and that users could continue to spend or transfer their balances.

The company publishes formal policies covering privacy, security, and customer communication, and offers ongoing updates related to security matters. Guavapay also highlights industry recognition through award shortlists and maintains active partnerships with established payment and data providers.

As with any fintech platform, users typically assess trustworthiness based on regulatory status, transparency of communication, and operational track record. Publicly available information positions Guavapay as a regulated UK fintech that communicates openly about service limitations and platform status while continuing to develop its consumer payment offering.