What is the cheapest way to send money to Africa?

There is no app that is cheapest everywhere, whatever the ads say. The real cost is the fee plus the margin in the exchange rate, so the only honest comparison is what the recipient gets for the same amount at the same moment. Eversend shows the rate and fee before you send; run the same amount through any app you are comparing and let the arriving amount decide.

What is the fastest way to send money to Africa?

To a mobile money wallet, on a measured rail. Eversend's mobile money payouts land in about a minute as a median over the last 90 days of production transfers, published per corridor on this site. Ask any provider you compare for a measured figure over a stated window rather than a promise.

Can I send money between African countries?

With most diaspora remittance apps, no: they run into Africa only. Eversend runs routes between African countries, like Kenya to Nigeria and Ghana to Nigeria, that have no direct banking rail, landing in about a minute. If you live and earn inside Africa, check this direction before anything else.

Is it safe to send money to Africa with an app?

With a licensed one, yes. Look for named regulators and specific safeguarding language: Eversend holds Bank of Uganda licences, is registered with FinCEN in the US, and is authorised for remittances in Kenya, with customer funds safeguarded and segregated. Apply the same test to any app you choose.

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The best apps to send money to Africa.

Updated 15 July 2026

The short answer

On a single well-served diaspora corridor, the honest answer is boring: the apps below price those routes hard, rates move daily, and the only reliable method is comparing the live rate on your corridor, same amount, same moment. The real differences sit around the transfer: which directions money can move (into Africa only, or within and out of it too), whether it reaches mobile money, what the person receiving can do with it, and whether the delivery times are measured or promised. This page describes what each app is built for and gives you five checks to run against all of them, ours included.

How this list is made

Eversend publishes this page, and Eversend is on the list, first. To keep that honest: every claim we make about Eversend is verifiable on this site, competitor descriptions are drawn from each product's own public materials (collected 15 July 2026), and we make no claims about competitor pricing. Products change; check each app before you decide.

1EversendOur product

A money app built for Africans and the diaspora that sends in all three directions: into Africa from the UK, US and Europe, between African countries on routes like Kenya to Nigeria, and out of Africa to USD, GBP and EUR bank accounts. Mobile money payouts land in about a minute, measured over the last 90 days of production transfers, with the rate and fee shown before you send. The person you send to gets an account too: 16 currencies, a virtual USD card, and USD and EUR receiving details. Licensed by the Bank of Uganda, registered with FinCEN in the US, authorised for remittances in Kenya, with over 1.6 million registered users.

Strongest for

Senders whose money moves in more than one direction, and recipients who want an account rather than a cash-out.

Check before you choose

That your corridor is covered: each corridor page on this site shows the live rate, delivery methods and measured delivery time.

2Wise

Wise describes itself as "the current account for home and abroad", built around international transfers and a multi-currency debit card, with its centre of gravity in major world currencies.

Strongest for

Bank-to-bank transfers between major currencies, for senders and recipients who both live on bank accounts.

Check before you choose

Whether your corridor and receive method are covered, especially mobile money, and what the total cost is on your route.

Eversend vs Wise, in full

3LemFi

LemFi describes itself as "international payments for everyone", with products "to help immigrants thrive financially": multi-currency accounts and remittances aimed at the diaspora.

Strongest for

Diaspora users sending home regularly on corridors the app prices aggressively.

Check before you choose

Which directions money can move: whether it works from inside Africa, out of Africa, or between African countries.

Eversend vs LemFi, in full

4Remitly

Remitly describes itself as "built for lives across borders": app-first international transfers with a wide global footprint.

Strongest for

Diaspora senders on well-served corridors from North America, the UK and Europe.

Check before you choose

The rate margin on your corridor, not just the visible fee, and how the delivery-speed options are priced.

5WorldRemit

WorldRemit describes itself with "fast, flexible and secure money transfers": international sends with a broad range of payout methods.

Strongest for

Senders who need method breadth on the receiving end across many countries.

Check before you choose

The total cost on your specific corridor and method, compared live against alternatives, same amount, same moment.

6Sendwave

Sendwave describes its mission as making sure "more of your money goes to those you love, not to high service fees": a deliberately simple app for sending to family.

Strongest for

One-corridor senders who want the simplest possible way to send home.

Check before you choose

Whether your corridor is supported, and what the recipient can do beyond cashing out.

Eversend vs Sendwave, in full

7Taptap Send

Taptap Send describes itself as a way to "send money to Africa, Asia and Latin America" with "bank deposits, mobile money, and cash pickups" as delivery methods.

Strongest for

Diaspora senders in the UK and Europe on supported one-way corridors.

Check before you choose

Which directions it runs, and what the person at home can do with the money after it arrives.

Eversend vs Taptap Send, in full

8Mukuru

A Southern-Africa-focused remittance provider, known for its cash pickup and wallet networks in the region.

Strongest for

Corridors into and around Southern Africa, particularly where cash pickup matters.

Check before you choose

Availability from your sending country, and whether your receive method is covered outside Southern Africa.

How to choose

Six questions that decide it.

01Which directions can money move?

Most remittance apps run one direction: into Africa. If you will ever need the reverse, sending out of Africa to a USD, GBP or EUR account, or a route between African countries like Kenya to Nigeria, check for it first, because availability decides whether the transfer can happen at all. Eversend runs all three directions.

02Does it reach mobile money?

Most of Africa gets paid on wallets. If your recipient lives on M-Pesa, MTN MoMo or Airtel Money, an app that only pays bank accounts solves the wrong problem. Eversend pays mobile money wallets with just a phone number, in about a minute, measured over the last 90 days.

03Is the total cost visible before you send?

The cost of a transfer is the fee plus the margin hidden in the exchange rate, and the margin is usually the bigger number. Compare what the recipient actually gets for the same amount, same moment, across apps. Eversend shows the rate and fee before you confirm, so the number on your screen is the number that arrives.

04Are delivery times measured or promised?

"Instant" is marketing until someone shows you a number. A median over real transfers is a measurement. Eversend publishes measured 90-day delivery medians on every corridor page and a quarterly report on African payment rails. Ask any app you compare for the same number.

05Who licenses it, and how are funds protected?

Look for named regulators, not trust language. Eversend holds Bank of Uganda licences, FinCEN registration in the US and remittance authorisation in Kenya, with customer funds safeguarded and segregated. Every app on this list should answer the same question as specifically.

Sending money to Africa, answered.

It depends on your corridor and your direction. For a single well-served diaspora route, compare live rates the day you send, because these apps price those routes hard and the winner changes. If your money moves in more than one direction, into, out of or across Africa, or your recipient wants an account rather than a cash-out, Eversend is built for exactly that, which is why it leads this list. Run every app through the five checks on this page.

More honest guides.

The best multicurrency wallets for Africans The best apps to send money from the UK to Uganda

Run Eversend through the five checks.

Download the app, check the live rate on your corridor, and decide on your own flows.

Get the app See live rates

All product names are trademarks of their respective owners. Eversend is not affiliated with, endorsed by, or partnered with any other product on this page. Competitor descriptions are drawn from each product’s own public materials as of 15 July 2026 and may change; they are not statements about pricing, service quality or regulatory status. Claims about Eversend are current and drawn from this site.