Available in 30+ countries

Send money globally —
right from WhatsApp

Transfer to any bank, any country — directly from WhatsApp. No app to download. Just type and send.

No hidden fees Arrives in minutes Bank-grade encryption
Transfer calculator
You send
USD ▼
Fee: $3.80
Rate: 1 USD = 1,580 NGN
~30 min
Recipient gets
NGN ▼
Send via WhatsApp

Rates are indicative. Actual rate shown before you confirm.

Money moves fast
Most Africa-to-Africa transfers arrive within 30 minutes.
See every fee upfront
Know the exact fee and exchange rate before you confirm — always.
WhatsApp support
Talk to a real person anytime. We respond within hours, not days.
Simple process

Up and running in 2 minutes

No app. No branch visit. Just WhatsApp.

01
Create your account

Message Payable on WhatsApp. Answer a few quick questions — name, country, PIN. Done.

02
Top up your wallet

Move money into your Payable wallet using your dedicated account number. Credited instantly.

03
Send to any country

Tell Payable who to pay and how much. Confirm with your PIN. Recipient gets notified.

Transparent pricing

We don't hide fees in the exchange rate

Most banks mark up the exchange rate by 3–5% before charging you a transfer fee on top. Payable uses the real mid-market rate and shows you the fee separately — so you always know exactly what you're paying.

From 1.4% for local transfers From 3.5% for international Real exchange rate, always
What you see is what you pay
No hidden markups
The rate you see in the calculator is the rate you get. No surprises at checkout.
Fee shown upfront
You see the exact fee before you confirm — every single time.
Live exchange rates
Rates update in real time so you always send at the best available rate.
No minimum amount
Send any amount, big or small. No minimum transfer threshold.

Payable partners with licensed and regulated payment providers to move your money safely across borders.

Why Payable

Built for Africa and the world

Instant Africa transfers
Send to MTN, Airtel, M-Pesa, Zenith, GTB, and 100+ banks across Africa. Money arrives in minutes.
Bank-grade security
AES-256 encryption, 6-digit PIN, KYC verification, and real-time fraud detection on every transfer.
Any country, any bank
Send to 150+ currencies across 30+ countries. NGN, GHS, ZAR, GBP, USD, and more.
Instant receipts
Every transfer generates a WhatsApp receipt and email confirmation with a reference number. Always traceable.
Safe at every step

Your money is protected

Payable is operated by AfricGEM International Company Limited. Every account goes through KYC verification. Every transfer is encrypted end-to-end. If your phone is ever lost or stolen, you can block your account in seconds.

AES-256 encryption on all data at rest KYC identity verification for all senders Real-time fraud detection and monitoring Instant account block if your phone is stolen
256-bit
AES Encryption
30+
Countries covered
150+
Currencies
< 5 min
Average arrival
Coverage

Works nearly everywhere

Send to any of these countries — more added regularly.

Nigeria Ghana South Africa Kenya Uganda Tanzania Rwanda United Kingdom United States Canada Germany France Australia UAE Senegal Cameroon Côte d'Ivoire Zimbabwe More

Send your first transfer today

Takes 2 minutes to set up. No app. Just WhatsApp.

Get started on WhatsApp
Lost or stolen phone?
Block your Payable account instantly to protect your funds.
Block my account