Send Money Calculator
See the real cost
before you send.
Live fees, live exchange rates, no fine print. Pick where the money is leaving from, where it's going, and see exactly what your recipient gets.
You send
🇺🇸USD
→
They receive
—
🇰🇪—
Per-country pricing
Calculate fees by destination
Each destination has its own calculator preset to the right payment rails and a live MamaMoney comparison.
🇰🇪 Kenya
KES
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Send Kenyan shillings via M-Pesa or bank transfer. Most M-Pesa payouts land in minutes.
🇳🇬 Nigeria
NGN
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Send Nigerian naira to any local bank. Settlements typically complete within an hour during business hours.
🇺🇬 Uganda
UGX
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Send Ugandan shillings via MTN Mobile Money, Airtel Money, or local bank transfer.
🇲🇼 Malawi
MWK
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Send Malawian kwacha via Airtel Money, TNM Mpamba, or bank deposit. Mobile money typically lands in minutes.
🇹🇿 Tanzania
TZS
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Send Tanzanian shillings via M-Pesa, Tigo Pesa, Airtel Money, or bank transfer.
🇷🇼 Rwanda
RWF
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Send Rwandan francs via MTN Mobile Money, Airtel Money, or bank deposit.
🇿🇲 Zambia
ZMW
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Send Zambian kwacha via MTN Mobile Money, Airtel Money, or bank deposit.
🇬🇭 Ghana
GHS
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Send Ghanaian cedi via MTN MoMo, AirtelTigo, or bank transfer.
🇺🇸 United States
USD
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Send US dollars via ACH (1–3 days) or domestic wire. Bridge-powered institutional rails, no FX margin on USD-to-USD.
🇬🇧 United Kingdom
GBP
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Send British pounds via Faster Payments — instant settlement to any UK bank account.
🇪🇺 European Union
EUR
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Send euros via SEPA to any account across 30+ European countries. Same-day or next-day settlement.
FAQ
How the calculator works
Where do these fees come from?+
The fees shown are pulled live from the CitizenWealth pricing API — the same fee configuration that runs against real transfers. No marketing estimate, no rounded numbers.
Are the exchange rates live?+
Yes — we use Yellowcard market snapshots captured hourly. The rate locks at the moment you confirm the transfer in the app, so quotes here are indicative.
How can your fees be lower than incumbent remittance apps?+
We settle through stablecoin rails (USDC/USDB) and a thin pass-through layer to Yellowcard or Bridge. Most fiat-to-fiat remittance products carry a heavier compliance + FX margin stack. Different model, lower marginal cost.
What corridors aren't supported yet?+
We're not live on Zimbabwe or Mozambique yet. For now, the closest substitutes are Malawi (mobile money) and Zambia (bank/mobile money). We're actively working on adding more corridors.
Get Started
See the fee.
Then send the money.
Open a multi-currency wallet in under 5 minutes. Live rates, transparent fees, zero hidden markup.
Download the App →
Free to open · No credit card required · 11 destinations supported