Which countries does Send App work in? Fees (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.