Freedom251 › Money Transfer Apps
Send App
by Send App
What Send App is
Send App lets people transfer money internationally 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. The service says payouts are instant after payment confirmation. 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. Rates change daily with prevailing market rates, and a converter displays the recipient amount during a transaction. Users sign up with an email address and verify their identity before sending. Listed transfer fees are 1% for Nigeria transfers, 1 NGN for Nigeria domestic transfers, and no Send App fee for Europe, US, and UK transfers. A physical Naira Travel Card is also available for 5.00 USD once, with delivery cost varying by location; delivery is currently available in Lagos and Abuja.
Who it suits
Send App may suit people sending money to bank accounts, Mobile Money wallets, or cash-pickup locations in its listed regions. It also offers a Naira Travel Card for eligible users with delivery in Lagos or Abuja.
What it does well
- Transfers are described as instant after payment confirmation
- Recipients can receive bank, cash-pickup, or Mobile Money payouts
- Supports debit cards, credit cards, bank transfer, and Apple Pay
- A converter shows the recipient amount during a transaction
- Transfer fees are listed by region
What to know first
- Identity verification is required before sending
- Google Pay is available only on the web
- Travel Card delivery is currently limited to Lagos and Abuja
- Travel Card delivery cost varies by location
Limits
The international transfer plan lists a 1% fee for Nigeria transfers and a 1 NGN fee for Nigeria domestic transfers; Europe, US, and UK transfers have no Send App fee. The Travel Card costs 5.00 USD once to create, requires Tier 2 or above and a NGN 5000 minimum top-up, and delivery cost varies by location.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Send App international money transfers | Nigeria transfers: 1% fee · Nigeria domestic transfers: 1 NGN · Europe, US, and UK transfers: no Send App fee | Free |
| Send App Travel Card | USD 5 to create the card; delivery cost varies by location · Requires Tier 2 or above · Delivery currently available in Lagos and Abuja · Minimum top-up NGN 5000 | $5, paid once |
| Nigeria outbound transfers | 1% of transfer value · Transfers from Nigeria to all corridors | On request |
| Nigeria domestic NGN transfer | 1 NGN per transaction · NGN-to-NGN transfers within Nigeria | On request |
| Europe, United States or United Kingdom transfer | No Send App fee · Transfers originating in Europe, the United States or the United Kingdom | On request |
As send.flutterwave.com lists them, read 11 Oct 2026. The maker's own page has the final word.
Getting started
- Visit the Send App website or use the Android or iOS app.
- Sign up with an email address.
- Verify your identity before sending money.
- Choose a recipient payout method: bank transfer, cash pickup, or Mobile Money.
- Fund the transfer with an available payment method; Google Pay is available on the web.
- For a Travel Card, meet the Tier 2 or above requirement and arrange delivery in Lagos or Abuja.
Verdict
Send App provides international transfers with several payout and payment methods, alongside a physical Naira Travel Card. Check the listed regional fees and daily exchange rates when estimating what a recipient will receive.
Questions
How much does Send App cost for transfers?
The international transfer plan lists Nigeria transfers at a 1% fee and Nigeria domestic transfers at 1 NGN. Europe, US, and UK transfers have no Send App fee.
How much does the Naira Travel Card cost?
Creating the card costs 5.00 USD once. Delivery cost varies by location.
Which payout methods can recipients use?
Recipients can receive funds by bank transfer, cash pickup, or Mobile Money.
Which platforms can I use?
Send App is available on Android, iOS, and the web. Google Pay funding is available only on the web.
What is required before sending money?
Users sign up with an email address and verify their identity before sending.
Where can the Travel Card be delivered?
Delivery is currently available in Lagos and Abuja. The card requires Tier 2 or above and a minimum top-up of NGN 5000.
Facts from Send App's own pages
- Account tiers
- The help center describes two Send App transaction-limit tiers. · send.flutterwave.com, 15 Oct 2026
- API key types
- The developer documentation identifies secret, public and encryption keys and recommends keeping secret keys server-side. · developer.flutterwave.com, 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. · developer.flutterwave.com, 15 Oct 2026
- Availability
- The homepage lists supported sending and receiving locations across Europe, Africa, the United Kingdom, and the United States. · send.flutterwave.com, 11 Oct 2026
- Bank transfers
- Recipients can receive funds in their local bank account and local currency. · send.flutterwave.com, 15 Oct 2026
- Cash pickup
- The service supports cash collection at accredited pickup locations. · send.flutterwave.com, 15 Oct 2026
- Company founded
- LinkedIn lists Flutterwave as founded in 2016 by African finance and technology veterans. · linkedin.com, 15 Oct 2026
- Company headquarters
- LinkedIn lists Flutterwave’s headquarters at San Francisco, California. · linkedin.com, 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. · linkedin.com, 15 Oct 2026
- Company size
- LinkedIn places Flutterwave in the 201–500 employee range. · linkedin.com, 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. · send.flutterwave.com, 15 Oct 2026
- Developer tooling
- Flutterwave provides a Postman collection, language libraries and plugins for integrations. · developer.flutterwave.com, 15 Oct 2026
- Documentation depth
- The public Flutterwave documentation includes quick-start material, API references, authentication guidance, Postman examples and SDK-style libraries. · developer.flutterwave.com, 15 Oct 2026
- Exchange rates
- The currency converter uses a daily rate based on prevailing market rates. · send.flutterwave.com, 15 Oct 2026
- Exchange-rate model
- variable · send.flutterwave.com, 22 Sept 2026
- Upfront fee display
- Yes · send.flutterwave.com, 22 Sept 2026
- Founded
- 2016 · send.flutterwave.com, 28 Sept 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. · send.flutterwave.com, 11 Oct 2026
- Headquarters
- San Francisco, California, United States · send.flutterwave.com, 28 Sept 2026
- Identity verification
- Before transacting, users must submit government ID, complete a liveness check and provide personal, tax and politically-exposed-person information. · send.flutterwave.com, 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. · send.flutterwave.com, 15 Oct 2026
- Limit: GetApp support score
- GetApp reports a lower 3.9 score for customer support than its overall 4.4 rating. · getapp.com, 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. · play.google.com, 15 Oct 2026
- Limit: Trustpilot delays
- Trustpilot reviewers repeatedly describe delayed transfers, debited but missing funds and unclear resolution timelines. · trustpilot.com, 15 Oct 2026
Where Send App stands on Freedom251
- Money Transfer Apps#67 of 81