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Zepz Data: Under-35s Now Majority of Cross-Border Remitters

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Zepz Data: Under-35s Now Majority of Cross-Border Remitters

The headline finding is generational. Adults aged 25 to 34 now represent the largest single cohort of active senders on the Zepz network, accounting for 30% of unique users, with the 35 to 44 age group close behind at 27%. Together those two cohorts make up more than half of all senders. The 25 to 34 group more than doubled in number over the five-year period, a rate of growth the company describes as faster than any prior cohort. Interim chief executive Barrie Morris said the data reflects “a remittance economy in the middle of a genuine transformation.”

The report also tracks a sustained, year-on-year increase in the share of transactions initiated by women. Female senders reached 45.9% of all active users in 2025, up from a lower base in 2020. Among the 35 to 44 age group, women represent 49.9% of active senders, a level the report characterises as functional parity. The average gender gap in transfer value has narrowed from $16.51 per transaction five years ago to $6.42 in 2025. In several major send markets, including Italy, the US, Ireland, Germany and Canada, women now send more per transfer on average than men; the Italian figure shows women sending $25.58 more per transaction.

That trajectory broadly aligns with Migration Data Portal estimates that women now account for 48% of all international migrants globally, suggesting that financial behaviour is tracking a structural demographic shift rather than a product-specific effect.

Perhaps the most commercially significant finding concerns recipient complexity. 1% five years ago, and more than one in eight sends to recipients in more than one country, a 34% increase over the period.


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