Sending money from Nigeria to Ghana has become significantly easier in 2026. You no longer need to find a “mallam” or convert your Naira to Dollars first.
In this article, I break down the seven best apps that allow you to send Naira (NGN) directly, and your recipient receives Ghana Cedis (GHS) in their bank account or Mobile Money (MoMo) wallet.
Top 7 Apps to Send Naira to Ghana
- Momo (by MTN)
- Hizo Africa
- Bitnob
- Cashwyre
- Eversend
- Send App (by Flutterwave)
- Chipper Cash
Disclaimer: The information provided in this article is for informational purposes only and does not constitute professional financial or legal advice. These rankings are based on the author’s personal testing, real-time customer reviews, and available market data for 2026. Monierate strongly recommends performing your own due diligence before transacting.
1. Momo (by MTN)
| ⭐ App Rating | 4.3 (App Store & Play Store) |
| 💱 Exchange Rate | ₦128.205 / GHS |
| ⚡ Transfer Speed | Under 10 minutes |
MTN MoMo is a versatile financial platform that empowers you to send and receive funds, settle bills, and receive international remittances. Beyond payments, it provides seamless access to microloans and high-interest savings directly from your mobile device.
Pros
Instant Settlement
No Internet Required as you can dial the USSD code (*671#)
Offers Automatic Conversion
Competitive fees with MoMo’s cross-border fees generally hovering around 3% to 4%.
Cons
- You cannot send or receive international funds on a “Tier 1” (basic) account.
- It is not ideal for bulk transactions, as you cannot send more than the equivalent of $2,000–$5,000 per month (depending on your tier)
- While the “fee” is low (3%), the exchange rate offered is usually slightly higher than the black market rate.
2. Hizo Africa
| ⭐ App Rating | 4.1 (App Store & Play Store) |
| 💱 Exchange Rate | ₦133.88 / GHS |
| ⚡ Transfer Speed | Under 20 minutes |
Hizo Africa is designed specifically for Nigerians who want to send money across African borders without complexity.
Pros
- Simple, beginner-friendly interface
- Naira-to-local currency conversions at live rates
- Sends to bank accounts and mobile wallets across Africa
- 24/7 customer support
- Useful for multi-country African travel (not just Kenya)
Cons
- Still growing user base, smaller community than Eversend or Bitnob
- Not ideal for large or frequent business transfers
3. Bitnob
| ⭐ App Rating | 3.9 (App Store & Play Store) |
| 💱 Exchange Rate | ₦131.02 / GHS |
| ⚡ Transfer Speed | Under 20 minutes |
Bitnob is an app that uses Bitcoin and the Lightning Network to move money fast and cheaply across Africa.
Pros
- Send NGN to Kenyan bank accounts and M-Pesa wallets
- Very low 1% fee for all intra-Africa transfers
- Offers near-instant settlement
- Supports 8 African countries for cross-border payments
- Global senders (US, UK, EU) can also send directly to Kenyan KES accounts via Bitnob’s Strike and CoinCorner partnerships
Cons
Some users report that customer support can be slow to resolve issues
Verification issues are occasionally reported by Kenyan users
4. Cashwyre
| ⭐ App Rating | 4.6 (App Store & Play Store) |
| 💱 Exchange Rate | ₦132.32 / GHS |
| ⚡ Transfer Speed | Under 20 minutes |
Cashwyre is an app that lets you send money from Nigeria to Kenya in local currencies, removing the need for dollar conversion.
Pros
Send Nigerian Naira directly to Kenyan accounts without converting to USD
Fund wallet with Naira, Bitcoin, USDT, or USDC, creating a flexible entry
Fast transactions: typically under 10 minutes
Transparent process with in-app rate preview before confirming
Available on both Android and iOS
Cons
Smaller user base and fewer public reviews
Customer support responsiveness is not well-documented
Fee structure not prominently publicised.
5. Eversend
| ⭐ App Rating | 4.0 (App Store & Play Store) |
| 💱 Exchange Rate | ₦131.54 / GHS |
| ⚡ Transfer Speed | Under 30 minutes |
Eversend is one of the best apps that allows you to send and receive money from friends and family at affordable rates, and if you are looking to reduce the cost of payments, use Eversend.
Pros
Good customer service
Low transaction fees
Availability of multi-currency wallets
High-level security
Competitive FX Rates
Availability of Virtual card and USD & EUR accounts
Cons
- New accounts often face strict daily or monthly limits.
- Occasional Payout Delays
- Account flags/freezes when receiving a large or “suspicious” amount
6. Send App (By Flutterwave)
| ⭐ App Rating | 4.4 (App Store & Play Store) |
| 💱 Exchange Rate | ₦132.84 / GHS |
| ⚡ Transfer Speed | Under 30 minutes |
With the Send app, you can easily make instant money transfers to Ghana and other countries globally.
Pros
High Reliability for Payouts
Transfers are most often instant
Large Transaction Limits is available verified users
There is no hidden Fees
Available in over 20 countries globally
Cons
It is remittance-focused as you can’t hold currencies
Strict KYC
Customer Support response time can be slow
No Virtual Cards available (Currently)
7. Chipper Cash
| ⭐ App Rating | 4.4 (App Store & Play Store) |
| 💱 Exchange Rate | ₦133.62 / GHS |
| ⚡ Transfer Speed | Under 20 minutes |
Chipper Cash is an easy-to-use mobile app that makes money transfers fast,and secure, whether you are sending money home to support your family, running a cross-border business, or paying local expenses.
Pros
- Sending money to another Chipper user is completely free and instant.
- Virtual USD Cards availability
- Offers options for Stock Investing
- Frequently offers Cashback
- Airtime & Bill payment available
Cons
- High Fees on Virtual Cards creation and transactions
- The exchange rate might be slightly higher most of the time.
- Customer Support Challenges
- KYC Strictness
Fee & Rate Comparison: Sending Naira (NGN) to Ghana (GHC)
This table breaks down the real costs of moving money from Nigeria to Kenya today.
| App Name | Payout Method | Speed (minutes) | Conversion Rate & Fees |
| MoMo (by MTN) | Mobile Money (GHS) | < 10 | ₦128.205 / GHSFee: 4% and zero charges on weekends |
| Hizo Africa | Bank & Mobile Money | < 20 | ₦133.88/GHS Fee: None |
| Bitnob | Mobile Money / USD | < 30 | ₦131.02/GHS Fee: 9.91 GHS |
| Cashwyre | Bank & Mobile Money | < 30 | ₦132.32/GHS |
| Eversend | Mobile Money (MTN/Vodafone) | < 30 | ₦131.54/GHS Fee: 8 GHS |
| Send App (Flutterwave) | Bank & Mobile Money | < 30 | ₦132.84/GHS Fee: 1% Flat fee of any transfer |
| Chipper Cash | Bank & Mobile Money | < 20 | ₦133.62/GHS Fee: Zero transaction fee between chipper wallets |
Which App Should You Use?
Most of these apps will get your Naira to Ghana, but the best one depends on your specific situation.
For the best exchange rate, go with Bitnob. As it offers the most value for your money, and the 1% flat fee is incredibly transparent for smaller transfers.
For the fastest settlement, Cashwyre is the leader. It consistently hits the “under 5 minutes” mark, which is vital if you’re sending money for an urgent bill or emergency.
For the most reliable reach, MTN MoMo is your best bet. Because it uses the USSD infrastructure (*671#), it works even when the internet is down, making it the most accessible option for recipients in rural areas.
For large, formal transfers, use Send App (by Flutterwave). It offers the high reliability of the Flutterwave network and is perfect for bigger business transactions.
For regular family support, Chipper Cash and Eversend are excellent. Chipper offers free instant transfers if both people use the app, while Eversend’s multi-currency wallet allows you to “buy” Cedis when the rate is good and hold them until you’re ready to send.
Bottom line: If you want the perfect balance of price and speed, start with Bitnob. If you are offline or sending to a non-smartphone user, go with MTN MoMo.
Happy sending!