Sending money from Nigeria to the UK has become significantly easier in 2026. You no longer need to find a “mallam” or convert your Naira to pounds first.
In this article, I break down the seven best apps that allow you to send Naira (NGN) directly, and your recipient receives British Pounds (GBP) in their bank account.
Top 7 Apps to Send Naira to UK
- Afriex
- Pesa
- Bitnob
- Global Travel Wallet
- Yolat
- 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. Afriex
| ⭐ App Rating | 4.1(App Store & Play Store) |
| 💱 Exchange Rate | ₦1,879.49 / GBP |
| ⚡ Transfer Speed | Under 1minute |
Afriex is a fast remittance platform focused on the African diaspora. It is designed for you to be able to send money across borders instantly without the high costs associated with traditional banks.
Pros
- Transfers arrive in less than 20 seconds
- The cost of transfer is low, as the rate you see is the rate you get.
- It is simple to use,
Cons
- Card-funded transactions may incur a small fee (approx. $1).
- Strict KYC can lead to onboarding delays for some users.
2. Pesa
| ⭐ App Rating | 4.5(App Store & Play Store) |
| 💱 Exchange Rate | ₦1,841.62 / GBP |
| ⚡ Transfer Speed | Under 15 minutes |
Pesa (formerly Pesapeer) can basically be described as one of the most affordable ways to send money to the UK, focusing on a “zero-fee” philosophy.
Pros
- Currently offers $0 transaction fees on transfers from Nigeria to the UK.
- Often offers rates very close to the mid-market average.
- Optimized specifically for getting money into UK bank accounts.
Cons
- Very strict KYC verification process.
3. Bitnob
| ⭐ App Rating | 3.9 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1,860.03 / GBP |
| ⚡ Transfer Speed | Under 30 minutes |
Bitnob is an app that uses Bitcoin and the Lightning Network to move money fast and cheaply across Africa and across the globe.
Pros
- Uses blockchain for settlement.
- Very low 1% fee for all intra-Africa transfers and International transactions (approx 1).
- Offers near-instant settlement
Cons
- Slow customer support
- Verification issues are occasionally reported.
4. Global Travel Wallet
| ⭐ App Rating | (App Store & Play Store) |
| 💱 Exchange Rate | ₦1,885.82 / GBP |
| ⚡ Transfer Speed | Under 60 minutes |
Global Travel Wallet is built for you if you’re a traveler and expats who need to manage their spending across multiple countries using virtual and physical cards.
Pros
- Built for sending money across borders easily.
- No hidden fees
- Available customer support
Cons
- Require subscription for higher limit
- Rates are expensive
5. Yolat
| ⭐ App Rating | 4.8 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1,865.24 / GBP |
| ⚡ Transfer Speed | Under 30 minutes |
Yolat is a growing platform that helps make consumer to consumer transactions and business cross border payments and it is also known for its high transparency and focus on a seamless user experience for Nigerian senders.
Pros
- Relatively new and easy to use.
- No extra charge, and rates are considerable enough.
- High success rate for bank account payouts in the UK.
Cons
- Not many people has used it.
6. Send App (By Flutterwave)
| ⭐ App Rating | 4.4 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1,855.10 / GBP |
| ⚡ Transfer Speed | Under 30 minutes |
With the Send app, you can easily make instant money transfers to Ghana and other countries globally.
Pros
- Transfers are often instant with clear estimated delivery time
- There are no hidden fees
- Easy to use interface
Cons
- You can’t hold currencies
- Strict KYC
- Customer Support response time can be slow
7. Chipper Cash
| ⭐ App Rating | 4.4 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1,868.90 / GBP |
| ⚡ 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
- You will find it easy to use
- Zero transfer fee if your family is on Chipper too.
- Fast customer support
Cons
- High fees and rates
Fee & Rate Comparison: Sending Naira (NGN) to British Pound (GBP)
This table breaks down the real costs of moving money from Nigeria to the United Kingdom today.
| App Name | Payout Method | Conversion Rate & Fees |
| Afriex | UK Bank Account | #1,879.49 / GBP Fee: Zero (₦1,600 for card-funding) |
| Pesa | UK Bank Account | #1,841.62 / GBP Fee: Zero |
| Bitnob | UK Bank Account | #1,860.03 / GBP Fee: $1.30 flat fee |
| Global Trust Wallet | UK Bank Account & Card | #1,885.82 / GBP Fee: Plan-based |
| Yolat | UK Bank Account | #1,865.24 / GBP Fee: None (Bundled in rate) |
| Send App (Flutterwave) | UK Bank Account | #1,855.10 / GBP Fee: 1% Flat fee |
| Chipper Cash | UK Bank Account | #1,868.90 / GBP Fee: Zero transaction fee between chipper wallets |
Which App Should You Use?
Most of these apps will get your Naira to the UK, but the best one depends on your specific situation.
For the best exchange rate, go with Pesa and Bitnob. Pesa focused on a “zero-fee” model and they both provide rates that are consistently the closest to the free market average.
For the fastest settlement, Afriex is the leader. It is built for extreme speed, with 99% of transfers arriving in under 20 seconds.
For large, formal transfers, use Send App (by Flutterwave). It offers the high reliability of the Flutterwave network and provides larger transaction limits for verified users.
Thank you for reading.
Happy sending!