Not all money transfer apps are created equal. Some charge hidden fees, others give you poor exchange rates, and a few make you wait days before your loved ones see the money. When sending funds to Nigeria, Ghana, or Kenya, even small differences in fees and rates can mean your family receives much less than you intended.

In 2025, users now have more choices than ever—Afriex, Wise, WorldRemit, Sendwave, Remitly, and others. But which one actually gives you the best balance of speed, cost, and convenience?

In this guide, we’ll break down the best apps for sending money to Nigeria, Ghana, and Kenya, and show you how to avoid the common traps that cost senders millions every year—and why Afriex stands out.

What Makes a Good Money Transfer App?

Before jumping into the list, let’s define the key factors you should consider:

1. Low or Zero Fees – Transaction charges can quickly add up.
2. Fast Transfers – Especially when money is needed urgently.
3. Competitive Exchange Rates – A hidden cost many people overlook.
4. Security – Regulated platforms with strong encryption are essential.
5. Flexibility – Ability to send to bank accounts, mobile wallets, or cash pickups.

The Best Apps for Sending Money to Nigeria

1. Afriex

Afriex has become one of the most popular options for Nigerians abroad. Why? Zero fees, instant delivery, and the ability to send money directly to Nigerian bank accounts. Unlike many competitors, Afriex offers real exchange rates with no markup, making it a favorite among frequent senders.

2. WorldRemit

WorldRemit is widely used for Nigeria, offering multiple payout options such as bank deposits, airtime top-ups, and mobile money. However, their fees and exchange rate margins can make frequent transfers costly.

3. Remitly

Remitly is another popular choice for Nigerians in the U.S. and Europe. While it offers fast transfers, the fees are often higher compared to Afriex.

The Best Apps for Sending Money to Ghana

1. Afriex

Ghana has a booming mobile money ecosystem, and Afriex allows you to send money directly to MTN Mobile Money wallets or bank accounts instantly. Zero fees and strong security make it a top choice.

2. Sendwave

Sendwave is known for free transfers to mobile wallets in Ghana, but their exchange rates are less competitive.

3. Xoom

Xoom, a PayPal service, supports Ghana transfers, but fees can be significantly higher and processing may take longer than Afriex.

The Best Apps for Sending Money to Kenya

1. Afriex

In Kenya, Afriex integrates seamlessly with M-Pesa mobile wallets, one of the most widely used payment systems in the country. Instant, fee-free transfers mean your family receives more money.

2. Wise (formerly TransferWise)

Wise offers mid-market exchange rates and transparent fees, but transfers to Kenya can take longer compared to Afriex.

3. Remitly

Remitly supports fast M-Pesa deposits, but like Nigeria, their costs are often higher when sending frequently.

Why Afriex Leads the Pack

While several apps provide reliable services, Afriex combines everything international senders want:

• Zero fees on all transfers
• Instant delivery to banks and mobile wallets
• Real exchange rates (no hidden markups)
• Coverage across 32+ countries
• Regulated and secure platform

Afriex doesn’t just save you money—it also ensures your transfers are fast, safe, and flexible. Whether you’re paying school fees, supporting family, or receiving freelance payments, Afriex is designed for Africans and their global connections.

Conclusion

When sending money to Nigeria, Ghana, or Kenya, choosing the right app can save you time and money. While apps like WorldRemit, Sendwave, and Wise are useful, Afriex consistently stands out as the best option for zero-fee, instant transfers with competitive rates.

Download Afriex today on your iOS or android and experience the easiest, most affordable way to send money home.

The mention of third-party apps such as Wise, WorldRemit, Sendwave, Remitly, and others is based on publicly available information at the time of writing. Fees, exchange rates, transfer times, and availability may vary by provider and country.