Everything you need to move money across Africa.
One wallet, five currencies, real exchange rates — built for how Africa actually sends money.
Five currencies, one wallet.
Hold Naira, Kenyan and Tanzanian Shillings, Cedis, and Rand side by side. See everything in one place, move between them in seconds.
- All five markets (NGN, KSH, TZS, GHS, ZAR)
- Real-time balances across all wallets
- Bank-grade protection for your funds
Exchange at rates that respect your money.
Live FX rates updated in real time — and exchanges above ₦1,000,000 automatically unlock our better merchant rate.
- Live mid-market rates updated every minute
- Zero hidden fees, 100% transparency
- Automatic Merchant rates for ₦1M+
Send across borders in seconds.
To a bank account, a mobile wallet, or another Kokosend user, your money arrives in their currency, fast. Transfers between Kokosend accounts are instant and free.
- Bank & mobile wallet payouts (M-Pesa, etc.)
- Instant Kokosend-to-Kokosend transfers
- Track every transfer live from start to finish
Top up and cash out, your way.
Bank transfer, card, or mobile money — including M-Pesa in Kenya. Every market has its local rails built in.
- Seamless Bank transfer & card deposits
- Deep M-Pesa integration in Kenya
- Mobile money rails in Ghana & Tanzania
Settle bills without leaving the app.
Electricity, airtime, and utilities — pay them straight from your wallet in seconds. No more switching apps.
- Universal Utilities & Airtime top-ups
- Instant transaction confirmation
- Paid from any of your active wallets
24/7 human support
Fast in-app chat
Email & phone support
4.9/5 from 4,500+ reviews
Get started on Kokosend today.
Download the app and start sending money across borders in minutes.
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