Send App
Send App provides international money transfers to bank accounts, Mobile Money wallets, and cash-pickup locations.
What Send App is
Send App provides international money transfers to bank accounts, Mobile Money wallets, and cash-pickup locations. It is available on Android, iOS, and the web, with sending and receiving locations listed across Europe, Africa, the United Kingdom, and the United States. Transfers are processed after payment confirmation and described as instant. Users can pay by debit or credit card, bank transfer, Apple Pay, or Google Pay; Google Pay is available only on the web. The homepage says users can send up to $20,000 for a flat transfer fee. Exchange rates are set daily according to prevailing market rates, and a converter shows the recipient amount during a transaction. Sign-up uses an email address, and identity verification is required before sending. The international transfer plan lists no Send App fee for Europe, US, and UK transfers, a 1% fee for Nigeria transfers, and a 1 NGN fee for Nigeria domestic transfers. A physical Naira Travel Card is also available for 5.00 USD once to create; delivery cost varies by location. It requires Tier 2 or above, has a minimum top-up of NGN 5000, and delivery is currently available in Lagos and Abuja.
Good
- Available on Android, iOS, and web
- Offers bank, Mobile Money, and cash-pickup payouts
- Multiple payment methods are supported
- Shows recipient amount in a currency converter
- Transfer tracking is available
Watch out
- Identity verification is required before sending
- Google Pay is web-only
- Travel Card delivery is limited to Lagos and Abuja
- Travel Card delivery cost varies by location
Who it suits
Send App may suit people who need to send money internationally to bank accounts, Mobile Money wallets, or cash pickup. It also offers a Naira Travel Card for eligible users in Lagos or Abuja.
Verdict
Send App combines international transfers with several payout and payment methods, plus a separate Naira Travel Card. Rates vary daily, and users should check the listed transfer fees and card conditions for their route and needs.
Plans and prices
From Send App's own pricing page, checked 11 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Send App international money transfers | Free | Nigeria transfers: 1% fee · Nigeria domestic transfers: 1 NGN · Europe, US, and UK transfers: no Send App fee |
| Send App Travel Card | $5, paid once | Requires Tier 2 or above · Delivery currently available in Lagos and Abuja · Minimum top-up NGN 5000 · USD 5 to create the card; delivery cost varies by location |
| Europe, United States or United Kingdom transfer | — | Transfers originating in Europe, the United States or the United Kingdom · No Send App fee |
| Nigeria domestic NGN transfer | — | NGN-to-NGN transfers within Nigeria · 1 NGN per transaction |
| Nigeria outbound transfers | — | Transfers from Nigeria to all corridors · 1% of transfer value |
The facts
Each one read from Send App's own pages, with the date it was checked.
What it does
- Account tiers
- The help center describes two Send App transaction-limit tiers.checked 15 Oct 2026
- API key types
- The developer documentation identifies secret, public and encryption keys and recommends keeping secret keys server-side.checked 15 Oct 2026
- API protocol
- Flutterwave’s public developer documentation describes REST APIs using GET, POST and PUT requests with JSON responses and API-key authentication.checked 15 Oct 2026
- Availability
- The homepage lists supported sending and receiving locations across Europe, Africa, the United Kingdom, and the United States.checked 11 Oct 2026
- Bank transfers
- Recipients can receive funds in their local bank account and local currency.checked 15 Oct 2026
- Cash pickup
- The service supports cash collection at accredited pickup locations.checked 15 Oct 2026
- Currency restriction
- Users generally can send only in the currency of their signup country, while Naira can also be sent by bank transfer.checked 15 Oct 2026
- Developer tooling
- Flutterwave provides a Postman collection, language libraries and plugins for integrations.checked 15 Oct 2026
- Documentation depth
- The public Flutterwave documentation includes quick-start material, API references, authentication guidance, Postman examples and SDK-style libraries.checked 15 Oct 2026
- Exchange-rate model
- variablechecked 22 Sep 2026
- Exchange rates
- The currency converter uses a daily rate based on prevailing market rates.checked 15 Oct 2026
- Funding methods
- Transfers can be paid for with debit cards, credit cards, bank transfer, Apple Pay, or Google Pay, with Google Pay available only on the web.checked 11 Oct 2026
- Identity verification
- Before transacting, users must submit government ID, complete a liveness check and provide personal, tax and politically-exposed-person information.checked 15 Oct 2026
- Legal entities
- The Send homepage identifies Flutterwave Technology Solutions Limited as licensed by Nigeria’s central bank and names partnerships with Kadavra BDC and Wema Bank.checked 15 Oct 2026
- Limit: Google Play reviewer
- A reviewer reported being unable to complete verification for months because of a Veriff system error and unreturned support follow-up.checked 15 Oct 2026
- Limit: Trustpilot delays
- Trustpilot reviewers repeatedly describe delayed transfers, debited but missing funds and unclear resolution timelines.checked 15 Oct 2026
- Limit: Trustpilot support
- Several Trustpilot complaints say support replies were generic, automated or slow when transactions were delayed.checked 15 Oct 2026
The company
- Company founded
- LinkedIn lists Flutterwave as founded in 2016 by African finance and technology veterans.checked 15 Oct 2026
- Company headquarters
- LinkedIn lists Flutterwave’s headquarters at San Francisco, California.checked 15 Oct 2026
- Company ownership and funding
- LinkedIn describes Flutterwave as privately held and names investors including Y Combinator Continuity Fund, Greycroft, Greenvisor Capital, Omidyar Network and Glynn Capital.checked 15 Oct 2026
- Company size
- LinkedIn places Flutterwave in the 201–500 employee range.checked 15 Oct 2026
- Founded
- 2016checked 28 Sep 2026
- Headquarters
- San Francisco, California, United Stateschecked 28 Sep 2026
Where it runs
- Limit: GetApp support score
- GetApp reports a lower 3.9 score for customer support than its overall 4.4 rating.checked 15 Oct 2026
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