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Seamless Transactions: 6 Best Money Transfer Apps to African Countries


Traditional money transfer providers are moving their operations online, while new fintech firms are coming with online-only services that deliver directly to local bank accounts worldwide. But with several options, new features, and geolocation restrictions, it’s essential to research and find the best money transfer app to African countries that’s right for you. 

To simplify things, we’ve tried to handpick the six best cash transfer apps for Africans. 

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Grey Finance

Seamless Transactions: 6 Best Money Transfer Apps to African Countries
Grey Finance Screenshot. Image Source: Grey Finance Website

Grey. co allows you to open a global bank account to send and receive money. With Grey Finance account details, you can receive funds in dollars, euros, and pounds.

Creating a Grey Finance account is straightforward. To get started, visit the Grey Finance website or download the mobile app from Google Play Store or Apple Store and register a free account. After creating an account, you must verify your identity by uploading your government-issued ID and utility bill. 


  • Low transaction fees
  • Offers virtual credit/prepaid cards
  • Seamless grey-to-grey transfers
  • 24/7 customer support


  • The dollar account hasn’t been working for some time now


Founded in 2005, Payonner is an international payment platform that allows users to send and receive funds globally. The payment method works in almost all African countries, making it a great option for sending in Africa. 

With Payoneer, you can keep track of payments, account balances, and detailed transaction history online, including foreign currency transaction fees and amounts. To learn more about managing your finances, get a book on Amazon


  • It’s easy to use
  • It’s free and accessible to almost anyone
  • Transactions are pretty fast


  • Delay in customer support

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PayPal is a widely recognized online payment platform that allows users to send and receive money securely over the Internet. To send money using PayPal, you need to have a PayPal account. 

You can sign up for an account on the PayPal website or mobile app. During registration, you must provide your email address, create a password, and link a payment method, such as a credit card or a bank account.

Once your account is set up and verified, you can log in and navigate to the “Send & Request” section. There, you’ll enter the recipient’s email address or mobile phone number (associated with their PayPal account) and the amount you want to send.


Using Remitly, sending funds to African countries is pretty fast. Paying with credit or debit is the fastest when using Remitly. However, if you are not in a hurry, paying with a bank account is another great option. It takes three to five working days. 

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You can access Remitly on both a mobile app and a web-based browser. The app is available on Google Play Store and Apple Store. With Remitly, you can send anywhere from $2,999 to $60,000. 


  • Low transfer fees
  • Option to receive funds via bank account
  • 24-hour customer support


  • Limited transfer methods

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Formerly Transferwise, Wise is among the trusted, fastest, and cheapest money transfer apps to send funds to African countries. Wise has many unique features, and it avoids unfair exchange rates banks charge.

Creating a free Wise account takes only a few minutes, and the app guides you through each step. Once you create an account, You’ll need to verify your identity, typically by taking a selfie and uploading a picture of your photo ID. This step often takes 48 hours or less to complete.


  • Plenty of options for sending funds
  • No markup on exchange rates
  • Easy and fast money transfer


  • Limited customer support channels
  • No option for money delivery to business or home

Nowadays, sending money to African countries has become seamless with the rise of innovative money transfer apps. From the convenience of your device, these six best apps offer secure, fast, and cost-effective solutions for cross-border transactions.

People Also Read: 6 Money Habits to Teach Your Kids as an African American Parent

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Uchenna Agwu
Uchenna Agwu
Hi there! I’m Uchenna Agwu, and I love to write. When I’m not writing, you can usually find me reading books or watching documentaries (I’m a bit of a nerd). But I also like to get out and explore – whether that means going on hikes or checking out new restaurants.


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