Nigeria
Naira wallet
NGN
Lightning Fast Transfers Send And Receive Money Across Africa, Instantly.
Experience seamless financial freedom. Move funds between Nigeria, Kenya, Ghana, South Africa, and Tanzania at mid-market rates.
Protected wallets, transparent exchange rates 
Exchange Calculator
You send exactly NGN ▾
100,000
NGN ▾ ⇅
Recipient gets 
KSH ▾
8,940
KSH ▾ Exchange rate: 1 KSH = ₦11.19
Fee: ₦0.00
No hidden fees. Real exchange rates.
Countries supported
Kenya
Shilling wallet
KSH
Ghana
Cedi wallet
GHS
South Africa
Rand wallet
ZAR
Tanzania
Shilling wallet
TZS
Built for the way Africa moves money
Built for speed
Transfers arrive in seconds, not days. Across all five African markets.
Real exchange rates
Live FX rates, updated in real time. What you see is what you get.
Zero hidden fees
Transparent pricing on every transfer. No surprises, ever.
M-Pesa integrated
Send straight to M-Pesa in Kenya, and local rails in every market.
Send money in 3 easy steps
1
Deposit Funds
Add money to your Kokosend wallet via bank transfer or mobile money.
2
Exchange Currency
Convert your funds instantly at the best market rates with zero hidden fees.
3
Send Instantly
Send directly to your recipient's local bank account or mobile wallet.
Trusted by customers moving money everyday.
“Kokosend changed my life. Sending money to my family in Kenya via M-Pesa is now effortless and instant!”
UG
Ujunwa GenevieveNigeria to Kenya
“The merchant rates are unbeatable. As a trader, Kokosend is my go-to for all cross-border transactions.”
NA
Nelly AmayanvboBusiness user
“Transparent fees and excellent support. It's rare to find a fintech that actually cares about African borders.”
JI
jorgeibrumaGhana market
“I've tried many apps, but Kokosend is definitely the fastest. My money always arrives within seconds.”
MC
MM CeciliaSouth Africa user
Get started on Kokosend today.
Download the app and start sending money across borders in minutes.
