Send Money to Nigeria, Ghana & Africa.
Only on PadiePay - Remit Now, Pay Later.
The only remittance app with Remit Now, Pay Later. Send money to Nigeria, Ghana, Kenya, Uganda and South Africa at competitive exchange rates - before payday, settle when your salary drops. Earn loyalty points on every transfer. Unlock RNPL after 6 months.
Over 1,000 people are already sending smarter.
See exactly what your recipient gets - before you send.
Real exchange rates. No markup. No hidden fees. What you see is what your recipient gets.
Transfer fee: always free. Exchange rate: always competitive. That is the PadiePay difference.
Send Money to Nigeria in Minutes - Here's How
Choose your currencies
Select where you're sending from and to, enter the amount, and see the live exchange rate instantly - competitive rates, zero hidden fees.
Send money instantly
Enter your recipient's bank account or mobile money details, hit Send, and your international money transfer is on its way.
Track it in real time
Monitor your transfer status live and get notified the moment your recipient receives the funds - no guessing, no waiting.
Send Money to Nigeria, Ghana, Kenya, Uganda, Cameroon & More
Whether you're sending money to Nigeria from the US, transferring GBP to Ghana from the UK, or moving CAD to Kenya from Canada - PadiePay covers your corridor with zero transfer fees and competitive exchange rates. More countries are added every quarter.
Multi-Currency Wallets Built for the African Diaspora
Hold, send and receive money in GBP, EUR and USD from one account. No unnecessary conversions, no extra charges. Manage your money across borders - on your terms, wherever you are.
Fast, Secure International Money Transfers - Built for the African Diaspora
Fast International Transfers
Your money moves to Nigeria, Ghana, Kenya and across Africa in minutes - no delays, no holding patterns, no hassle.
Competitive Exchange Rates
Real market rates with no markup. Every naira, cedi and shilling your recipient gets is maximised - the rate you see is the rate they receive.
Ridiculously Easy
Sending money internationally is as simple as sharing a phone number. No paperwork, no branch visits - just open the PadiePay app and go.
Instant Withdrawals
Your recipient can withdraw to their local bank account or mobile money wallet instantly - NGN, GHS, KES delivered fast.
Safe, Regulated & Secure
PadiePay is registered with FinCEN (USA) and FINTRAC (Canada) as a licensed Money Service Business. Your funds are encrypted and protected every step of the way.
Earn Loyalty Points
Every international transfer earns you PadiePay loyalty points. The more you send, the more you unlock - including early access to Remit Now, Pay Later.
Everything You Need to Know About Sending Money with PadiePay
What Nigerians, Ghanaians & Africans Abroad Are Saying About PadiePay
I was nervous about sending money from the US to Nigeria, but PadiePay made it feel completely secure. The exchange rate was better than anything I'd seen - and the transfer arrived in minutes.
Claudine Fotsing
Logistics Manager
Remit Now, Pay Later changed everything for me. I needed to send money home to Lagos before payday and PadiePay was the only app that let me do it. Settled it when my salary came in. No stress.
Emeka Umeh
Business Consultant
PadiePay made sending money to my family overseas so simple! The process was quick, and the fees were super reasonable. Highly recommend!
Brian Johnson
Real Estate Agent
PadiePay feels personal - like they actually care about me and my money reaching its destination safely. The transparency is unmatched!
Ethan Tremblay
Software Developer
I send money to Ghana every month and PadiePay has the most competitive rates I've found - and I've tried them all. Plus I'm earning points every time I send. It actually rewards you for being consistent.
Abena Asante
Cocoa Exporter
I was nervous about sending money from the US to Nigeria, but PadiePay made it feel completely secure. The exchange rate was better than anything I'd seen - and the transfer arrived in minutes.
Claudine Fotsing
Logistics Manager
Remit Now, Pay Later changed everything for me. I needed to send money home to Lagos before payday and PadiePay was the only app that let me do it. Settled it when my salary came in. No stress.
Emeka Umeh
Business Consultant
PadiePay made sending money to my family overseas so simple! The process was quick, and the fees were super reasonable. Highly recommend!
Brian Johnson
Real Estate Agent
PadiePay feels personal - like they actually care about me and my money reaching its destination safely. The transparency is unmatched!
Ethan Tremblay
Software Developer
I send money to Ghana every month and PadiePay has the most competitive rates I've found - and I've tried them all. Plus I'm earning points every time I send. It actually rewards you for being consistent.
Abena Asante
Cocoa Exporter
Send before payday. Settle when your salary drops.
Remit Now, Pay Later is exclusive to PadiePay. No other money transfer app lets you send to Nigeria, Ghana or Kenya before your salary arrives and settle when it does. Zero fees on every transfer. Unlock RNPL after 6 months of active use - the longer you send, the more you earn.
Send Money Home. Smarter, Faster, for Free.
Join over 1,000 people already using PadiePay to send money to Nigeria, Ghana, Kenya and across Africa - with competitive exchange rates, zero fees, and the only Remit Now, Pay Later feature in remittance.
