Send App by Flutterwave: fees and routes (2026)
Send App is the consumer face of Flutterwave, Africa's largest payment infrastructure. It relaunched in the US after Flutterwave secured 20 more money-transmitter licences (34 direct US licences in total), opening US sends to Nigeria, Ghana and Egypt, with UK and EU inbound routes too. The draw is a flat transfer fee and Flutterwave's rails behind it; verify the exact route and fee in-app.
Where Send App sends: the routes we cover
Coverage is checked route by route from each provider's own site — see the "will Send App work for your route?" check below.
How much does Send App cost? The fee anatomy
Send App uses a flat transfer fee — you can send up to $20,000 for a flat charge, with the exact figure quoted in-app before you confirm, plus Flutterwave's FX conversion. Because a flat fee favours larger sends, it can undercut percentage-fee rivals on a bigger transfer; compare 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 → 🇳🇬 Nigeria):
Send App delivery & speed
Send App funds from a debit/credit card, bank transfer, Apple Pay or Google Pay, and processes instantly on its live routes. Nigeria-based users can also send outbound by converting NGN to USD/GBP/EUR via Flutterwave's Swap.
Send App limits & KYC
You can send up to $20,000 per transfer, subject to verification. Check your current limit in the app.
Is Send App safe? Regulation & trust
Is Send App safe? Send App is operated by Flutterwave, a licensed US money services business (34 direct money-transmitter licences) with African payment-service-provider licences. It is not a bank; funds are handled under its money-transmission licences rather than deposit insurance.
Will Send App work for your route?
Works if : you're sending FROM the US TO Nigeria, Ghana or Egypt — Flutterwave's young consumer front-end running on its mature payment rails. see the routes above →
- Sending to another US→Africa market? Send App is newly relaunched — its live US routes are Nigeria, Ghana and Egypt only, not yet every market (2026). For more US→Africa destinations, see a wider remitter →
- Sending outbound from Nigeria? That works via Flutterwave's Swap (currency conversion), not a full global send. For the US→Nigeria route options →
Frequently asked questions
What is Send App by Flutterwave?
It's Flutterwave's consumer money-transfer app. After a US relaunch (34 money-transmitter licences), US users can send to Nigeria, Ghana and Egypt, with UK/EU inbound routes too.
How much does Send App charge?
A flat transfer fee (you can send up to $20,000 for a flat charge), quoted in-app, plus Flutterwave's FX conversion. A flat fee tends to favour larger sends; compare the rate.
Is Send App safe?
Yes — it's operated by Flutterwave, a licensed US money services business (34 licences) with African PSP licences. It's not a bank, so funds are held under its licences, not deposit insurance.