NALA fees, rates and limits (2026)
NALA is for the diaspora sending fast to mobile wallets across East and West Africa — money often lands in seconds. A hard truth to know up front: NALA only sends FROM the EU (19 countries), the UK and the US — it cannot send from within Africa. It earns on the exchange-rate margin (no published flat fee), so compare its rate to the mid-market benchmark.
Where NALA sends: the routes we cover
Coverage is checked route by route from each provider's own site — see the "will NALA work for your route?" check below.
How much does NALA cost? The fee anatomy
NALA publishes no fixed consumer fee — it advertises "no hidden fees" and earns on the exchange-rate margin, with the total shown in the app before you confirm. That makes it well-suited to small, frequent wallet sends (no flat charge to erode a small amount), but it means the whole cost is in the rate. Margins move daily; compare the app's quote to the live mid-market rate above before sending — the gap is the real cost.
See what the recipient gets (🇺🇸 United States → 🇷🇼 Rwanda):
NALA delivery & speed
NALA publishes per-country delivery times, which is unusually transparent. Mobile money to Kenya, Tanzania, Uganda, Ghana, Rwanda, Cameroon, Senegal and Côte d'Ivoire lands in a few seconds; bank transfers vary (Nigeria in seconds; Kenya/Tanzania/Uganda ~4–5 hours; South Africa same-day if before the midday cutoff). Accounts also support holding USD as USDC (a fully-reserved, US-dollar-backed stablecoin).
NALA limits & KYC
NALA's send limit is up to $/£/€5,000 per day, subject to verification. The destination wallet also carries its own operator caps. Check your route in the app.
Is NALA safe? Regulation & trust
Is NALA safe? NALA is a licensed money transmitter and also runs Rafiki, its licensed stablecoin on- and off-ramp infrastructure. In April 2026 it announced a partnership with MoneyGram to use Rafiki for stablecoin-settled payouts across Africa and Asia. It is not a bank: funds are handled under its money-transmission licences (no deposit insurance); the USDC it holds is a fully-reserved, US-dollar-backed stablecoin, not a bank deposit.
Will NALA work for your route?
Works if : you're sending FROM the EU (19 countries), the UK or the US TO a mobile wallet or bank across NALA's chosen African and Asian markets — wallet-first and fast. see the routes above →
- Sending from inside Africa (Nairobi, Lagos…)? NALA can't — it only originates from the EU (19 countries), the UK and the US (2026). For an Africa-to-Africa send, try Mukuru →
- Need a Rwanda bank deposit? NALA states Rwanda bank transfers aren't yet supported — it's mobile-money-only there (2026). For a Rwanda bank deposit, see the route options →
- Want to see exactly what you pay? NALA has no published flat fee — the whole cost is in the exchange-rate margin. Wise shows a separate visible fee →
- Heading to a market off NALA's list? It covers a chosen set of African and Asian markets, not every country. WorldRemit covers more markets →
Frequently asked questions
Can I use NALA to send money from Africa?
No — NALA only sends from the EU (19 countries), the UK and the US. African countries are destinations only.
Can NALA send to a Rwandan bank account?
Not yet — NALA states Rwanda bank transfers aren't supported; it delivers to mobile money in Rwanda.
What is NALA's transfer limit?
Up to $/£/€5,000 per day, subject to verification (the destination wallet has its own caps too).