Send money from the US to family in Africa
Your family gets it in their bank account or mobile money wallet, usually within minutes.
- 10 African countries
- Bank deposit or mobile money
- Money moved by regulated partners
Where you can send money
Choose a country to see the current rate, how your recipient gets paid and how long it takes.
Nigeria
Kenya
Tanzania
Uganda
Zambia
South Africa
Côte d'Ivoire
Senegal
CameroonHow it works
Create your account
Sign up on the website or on WhatsApp with your email and phone number.
Verify your ID once
A photo ID and a quick selfie. US money transfer rules require it before your first transfer.
Add your recipient
Their name and bank account or mobile money number. The name must match their account.
Review, then pay
Check the fee, rate and amount they receive, confirm with your PIN and pay. Track it under Activity.
Built around what families actually ask about
- What it costs. The fee and exchange rate are on the review screen, with the exact amount your recipient gets. Nothing is taken off afterwards.
- When it arrives. Most transfers land within minutes; some bank deposits take up to one business day. You can follow every step in your account.
- Whether it is safe. Every account is ID-verified, every transfer needs your PIN, and the money itself is moved by regulated partners.
- Getting help. Chat with us here on the site or on WhatsApp, and quote your RT reference.
Send money without leaving WhatsApp
Link your WhatsApp number once, then send to family from the chat you already use. Pick the recipient and amount, check the rate and fee, and pay through a secure link with your card, Apple Pay or Google Pay.
- Hi, I want to send money
- Sure. Who are you sending to? Pick a saved recipient or add a new one.
- Mum, Lagos
- How much in USD? You’ll see the rate, the fee and what she receives before you pay.
- Every transfer is confirmed with your 4-digit PIN.
Airtime top-ups
Buy airtime for a phone in Kenya, Tanzania, Zambia, Rwanda, Uganda, Malawi, Botswana and Cameroon and pay with mobile money. About top-ups
Give to a cause
Support verified causes across Africa through our donation platform. Donate
Common questions
Which countries can I send money to?
From the United States to Nigeria, Kenya, Tanzania, Uganda, Zambia, South Africa, Côte d'Ivoire, Senegal and Cameroon. Your recipient is paid by bank deposit or, in most of these countries, to their mobile money wallet.
How fast do transfers arrive?
Most transfers arrive within minutes. Some bank deposits can take up to one business day. Transfers can also be held for extra checks, which our team works through as quickly as possible.
How much does it cost?
You see the fee and the exchange rate on the review screen before you pay, along with exactly how much your recipient will get. Nothing is added afterwards.
How do I pay?
With a debit or credit card, Apple Pay or Google Pay.
Is SonghaiPay safe?
SonghaiPay is not a bank and does not hold your money itself. Payments and money transmission are handled by regulated partners, every account is ID-verified, and every transfer is confirmed with your own 4-digit PIN. Our Security & compliance page names the partners.
Why do I need to verify my ID?
US money transfer rules require us and our regulated partners to know who is sending money. You verify once, with a photo ID and a selfie, before your first transfer.
Be first to send with SonghaiPay
Join the waitlist and we’ll let you know as soon as you can send. You’ll see exactly what your family receives before you pay.