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5 best ways to send money to Africa



5 best ways to send money to Africa

How to send money to Africa

Africa is a populated country with over 1.3 billion people living in it. According to the worldometer Africa population is 1,335,094,512 according to the United State predicts in April 20200.


The subregions in Africa with the highest population of western African, Eastern African, and Southern African.


Money transfer in these populated regions has always been treated with utmost interest. Many mobile transfer companies have provided a platform to send and receive money in Africa, not only can you send and receive within Africa, you can also send money out of the country.


But what is the ease of sending money to Africa?

Are there reliable platforms to send and receive money even in unpopulated African countries?


How to send money to Africa
How to send money from Africa
Send money online in Africa
10 Best Apps to send money in Africa


How to send money to Africa

Africa is not just one of the largest continent in the world, money transaction in Africa and other places around the world has emerged over the years and it is considered one of the trends in the 21st century following the cashless policies laid down by some countries.

But how can you send money to Africa?

  • Send money to Africa – Transferwise

  • Transferwise is an online money sender website, trusted and reliable. Thousands of transfer coming from US, UK, China coming into African countries are carried out with transferwise

Transferwise does not hide their charges and it’s determined according to foreign exchange by Reuters.

5 best ways to send money to Africa

  • Send money to Africa with Paypal

Paypal is a fast money transfer app available for both android and iOs devices. 

Over the years PayPal has dominated money transfer. Paypal uses only email address, that is you only need the receiver email to send them money. It is also easy to register. 

Cons of PayPal transfer to Africa is that most countries in Africa can’t receive money with their PayPal account but can send regardless. Nigeria PayPal service for sending money was restricted due to high fraudulent activities coming from the country – according to PayPal report.

However, countries like Lesotho and South Africa enjoy PayPal service.

5 best ways to send money to Africa

  • Write a cheque

you can write a cheque for yourself especially if you’re in the US, the UK then head over to African banks and cash out your money.

Read Also: How to receive money with Nigeria PayPal account

Simply withdraw the money with an ATM card when you send it with Cheque.

The advantage of cheque book is that you can put money directly into your African bank account without doing any further transfer

  • Local bank money transfer

Popular banks like UBA money transfer is located in many African countries like Nigeria, Ghana, SA, and a lot more. 

UBA provides a smooth, fast and reliable money transfer process

The united bank for Africa has many transfer processes installed for ease. Not just UBA but other banks in Africa, you can transfer and receive the money within and across Africa.

Most of these fast and reliable money transfer are

Money Gram – Transfer money in Africa. 

Features of money gram transfer are numerous and there is a lot of benefit of using money gram.

With money Gram, you can send money to any bank in Africa or across Africa with only a few details of the receiver. 

Features of money gram

  • Save up to $2 when you send money to international countries 
  • The recurring payment is now available. 

Ease of salary or allowance sending method to employes or kids oversees 

  • Fast Money Transfer and reliability 

Western Union – International money transfer

I would recommend western union as one of the reliable means of money transfer in Africa. I use it to receive and send money to my Nephew oversees.

Western Union operates in over 200 countries and readily have over 500,000 agents worldwide.

To use western union, visit any local bank in your city and request a western union form for either transfer on receive. It is also available in mobile transfer and online transfer.

How to send money from Africa

Now that you’ve seen that you can send money in Africa, how can you send money from Africa?

Sending money from Africa to other countries is not a popular trend. In most cases, money is sent into African Countries.

South Africa 🇿🇦 do most transactions in Africa than any other country in Africa. The charges applied to money sent into and out of South Africa is much more than the limit of transfer charges.

5 Best ways to send money from Africa

  1. Transferwise 

not only can transferwise send money out of Africa, but it is also one of the best online platforms to send money into any African country.

At transferwise, they boast of no hidden charges. All charges for transfer are boldly displayed according to exchange rate.

2. Send money from Africa with PayPal 

 again you can use Paypal to send money from any country in Africa including Nigeria and South Africa.

PayPal transfer is possible in any country, even in countries restricted from receiving money with PayPal, however, you’re allowed to send via PayPal.

Read Also: Step by step guide to create and verify PayPal account

Why should you use PayPal to send money?

The demand for services from companies outside Africa is outrageous and Africans can not do without paying for these services.

But the big problem here is the fact that you can’t do a bank transfer to companies outside Africa. Most of these companies prefer payment via PayPal, Bitcoin, Wire transfer.

How to send money with Bitcoin 

Bitcoin is far the most trending forex marketing strategy. Not only has bitcoin emerged but it has also helped a lot of people trading bitcoin online to make real cool cash from their wallet.

Bitcoin trade is a regular thing in the world right now and many governments have advised their citizens to invest in bitcoin.

There are several apps to send and receive bitcoin to your local bank account. 

  • Cash app – You can send and receive money with cash app, I’ll discuss more on cash app later on this article. 

steps to withdraw or send  Bitcoin with Cash app

  • Open you Cash app
  • Open the banking tab on your cash app home screen
  • Navigate to bitcoin
  • Scan a QR code or enter a wallet ID to send or receive 
  1. Luno 
  2. Remitano – this is a perfect platform for trading bitcoin in Nigeria
  3. PayPal – you can buy and sell bitcoin with your PayPal account
  4. Coinbase

How to send money with wire transfer

Wire transfer is an electronic transfer service. They are connected to almost all banks across the world and working persistently for easy and secure transfer.

Wire transfer works like money Gram and Western Union. They also boast of over 500,000 agents across the globe. 

To use Transferwise, login to their official website, select the region you’re sending money to and provide details of the recipient. Cash deposit is also available at agent shops and most banks just like Western Union and Money Gram

Send money online to Africa

Sending money to African countries like South Africa, Ghana, Nigeria is a daily routine thing especially in the US, the UK. 

But why send money to Africa?

Millions of residents in the US, UK, China, and other foreign countries are blacks, emanating from African countries.

They take care of their need at home, send money to take of their family, kids, and even build houses here in Africa for themselves. 

One pressing need why people send money to Africa is the fact that the currency value here is low compared to dollars and other foreign currencies. Sending money home is a necessary option!

Why send money online?

Seriously? Why do I have to send money online? 

What if I fall into the hands of scammers.

If you know exactly how to send money overseas using an online platform you wouldn’t fall prey to any internet scammer.

Here is a list of some trusted online platform to send money

  1.  PayPal
  2. Transferwise
  3. Money Gram
  4. Western Union
  5. Cash app
  6. Neteller
  7. Worldremit
  8. Ria money transfer
  9. Xoom
  10. Wire transfer

There are several ways to send money online across the world and most of them are readily available online and on their mobile apps.

I’ve listed the popular ones here. The problem here is not all these apps work in African Countries, some countries are restricted from receiving money with some online platform and most African countries.

Nonetheless, you can send money online to any African country using 

  1. Money Gram
  2. Western Union
  3. Ria money transfer
  4. Wire transfer

the next section will tell you the best apps you can use to transfer money online.

10 Best apps to send money to Africa

There are several ways to send money in and out of Africa but trust me if you are not using a mobile app, then it gets a little stressful and consumes more time. some mobile transfer apps are being configured wit the best database system to store users last incomplete transactions.

Rad Also: Receive money with your Nigeria PayPal

10 best apps to send money to Africa

  1. PayPal
  2. Worldremit
  3. Xoom
  4. Western Union
  5. Skrill
  6. Bitcoin
  7. UBA mobile app – In African countries
  8. Azimo
  9. Money Gram
  10. Payoneer

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How to create a Lesotho PayPal account in Nigeria



5 best ways to send money to Africa

Learn how to create a verified Lesotho PayPal account in Nigeria that sends and receives money without restriction.

It is no news that PayPal has since placed a restriction on Nigerians accounts. We’re not restricted from using PayPal but there’s a certain limitation of our use of Paypal account in Nigeria.

You can create a verified Nigerian PayPal account, send money with it after linking your card but you cannot receive money with it.

There’s always a way out and today I’m going to show you a step by step guide on how you can actually create a Lesotho PayPal account here in Nigeria and still be able to send and receive money with it. No stress, no hard process. I have provided screenshots of all the steps you need to take in order to create your own Lesotho Paypal account in Nigeria.

Do you want to study abroad? See these scholarships 

How to create a Lesotho PayPal account in Nigeria 

Do not bother using VPN in this process. In fact, you do not need any illegal information or details to complete this process, just follow my guidelines.

Getting your Gmail prepared, opening a PayPal account

  1. Create a Gmail or use an old Gmail account that is not already linked to a PayPal account. Make sure you’re using a Gmail not Yahoo mail

  2. Using chrome browser or any other browser of your choice, open Go to

Or simply click on the link. It’ll load the official PayPal website in Lesotho. Remember you do not need a  VPN.

how to receive money with your Nigerian PayPal account

Signing up for a business account

Yes, you have to signup for a business account. There are two types of Paypal account which are

  1. Personal account

  2. Business account

But the business account has all the features you’ll need in your PayPal account. So choose the Business account and click on continue.

How to create a Lesotho PayPal account

The next page is where you enter your email address. Remember the email address I asked you to create in step one above? Right, you’re to fill in the email address accordingly, and please note you’re using your email address and it shouldn’t be linked with another PayPal account. If you have done that, click on next to proceed to the next page.

How to create a Lesotho PayPal account

Enter your personal information

On this page, you will be provided with a box where you’ll fill in your personal information.

See Also:  How to send money to any African countries 

Yeah, I know what you’re thinking but relax! Use your personal information and not a copyright. This is important, make sure you fill in the box according to your bank details. Enter your legal first and last name.

  1. Confirm the email that you have chosen

  2. Enter your password, enter it again to confirm that it is correct

  3. Enter your legal first and last name in the business name box. You can choose any business name

  4. From the drop-down change the Country code to Nigeria’s code (+234)  and enter your mobile phone number without the preceding 0 (810224…)

  5. Fill in your address. Use your house or office address. You can change the primary currency if you want

  6. When done, click on Agree and Continue.

How to create a Lesotho PayPal account

Fill in your business details

On this page, you’re required to fill in your business details which include your business name, website, category, and subcategory.

Firstly, chose individual and if you have a business just fill in your business details in the form provided below, and if you don’t have a business, do not panic, just write anything in the business name, choose any category, and subcategory. You can leave the URL option blank and proceed to the next page.

How to create a Lesotho PayPal account

Submit your request

This is the last stage in the registration. Having completed all other tasks, click on submit to complete your Lesotho PayPal registration in Nigeria.

How to create a Lesotho PayPal account

Verifying your email address

Yes, you’re one step closer to owning your own Lesotho PayPal account in Nigeria that you can send and receive money without any restriction.

The next thing to do now is open your Gmail, you’ll see a message from PayPal prompting you to verify your email address.

Setting up your account and linking your card

I’d love to tell you that you have just created your Lesotho PayPal account but there’s one more thing to do before you can send and receive money with your account.

In this guide, I’ll show you how to link your card. It is compulsory to link your card to your PayPal account because that is what you’ll use to shop or buy items online.

After confirming your email, click o account setup from your dashboard, ignore other information and click on the settings icon shown in the image below, click on the  link, and confirm credit or debit card. Follow the prompt and link your account.

How to create a Lesotho PayPal account


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How to create a verified PayPal account in Nigeria



how to receive money with your Nigerian PayPal account

how to receive money with your Nigerian PayPal account

PayPal is an online money transfer portal which is also available in mobile apps. it is one of the fastest and reliable means to transfer money from one country to the other.

PayPal boast of complete security – you’ll get notified within 24 hrs of suspicious activity on your account.

fast checkout – You don’t have to add your details anytime you want to perform a transaction, it is a one time form you will be prompted to add during sign up. once you have linked your credit card or debit card, you will be able to use your PayPal account to shop or pay for bills online without any stress.

keep your reward – According to PayPal terms of usage, you will be rewarded according to the number of transactions you perform with your PayPal account.

how to register PayPal account in Nigeria

If you are familiar with internet money transfer, then you would agree with me that PayPal has long placed a limit on Nigerians account. This does not mean you can’t register a PayPal account in Nigeria, but you are restricted to only sending money with your account or shopping online using your PayPal account that is already linked to your bank Debit card.

Read Also: How to create a verified Lesotho PayPal account in Nigeria

the restriction placed on Nigerians and some other African countries is due to the high level of fraudulent activities coming from Nigeria. up till this this time of writing this post, the ban has not been lifted however, PayPal allow Nigerians to use the service for payment option only.

how to receive money with your Nigerian PayPal account

Learn how to open a PayPal account that receives money in Nigeria – read post to the end.

To register a Nigerian PayPal account

There are two types of PayPal account available for registration

  • Personal PayPal account
  • Business PayPal account

just as it sounds, personal PayPal account is for personal use while the business account is for business organisation with business card. If you are a beginner I would suggest you click on the personal PayPal account as it would be very easy and friendly to fill in the details of this option.

See other means to send and receive money in Nigeria

Register PayPal account on PayPal website

  1. from your browser, go to
  2. Click on signup
  3. a new page will be loaded with form to feel “Send and receive money with speed of light”
  4. Fill the form accordingly with your details, make sure the email is correct
  5. Fill in your first name, last name, create and confirm password. make sure your details are correspondent with your business name if you clicked on the business account above.
  6. Verify your email address by clicking on the email sent to you from PayPal
  7. Another page is loaded where you fill in your debit card details. fill the debit card option accordingly
  8. type in your debit card digit located at the back of your ATM card usually 15 digits for most banks but can defer with your bank
  9. fill in the expiring date and CSV number
  10. PayPal will perform a debit check on your account. some certain amount of money is debited from your account but relax, it will be refunded almost immediately. This step is to confirm if your account is valid and your card is linked to your bank.
  11. Boom! your PayPal account is ready and you can start shopping and paying for bills online.

Read Also: How to send money to any African country

Register PayPal account using a Wallet

Some banks in Nigeria have an inbuilt option in their app to open a PayPal account easily. you should use this option if you don’t want to fill much form like the above step.

Nigerian bank like First Bank Nigeria have the option to open a PayPal account directly from their mobile app

  1. Open your First Bank Mobile App
  2. Click on the Menu and select “PayPal wallet” create PayPal wallet
  3. confirm the Token key sent to your phone number
  4. select the debit card you want to link to your PayPal account
  5. create and confirm password
  6. Open your email box you used to create your bank account and confirm the that you signed up for PayPal wallet with your bank
  7. Boom! you are ready t use your PayPal account

Send and receive money with Lesotho PayPal account in Nigeria

How to receive money with your Nigerian PayPal account

Having read how to register a standard Nigerian PayPal account using the PayPal website or using a First Bank Wallet, the question still remains how do I receive money with my Nigerian PayPal account?

Many Nigerians outside the country have wondered how the could easily send money to their families, kids or staffs. PayPal is one of the fastest means to send money online and companies, shops explore this option to pay their staff and receive bills respectively.

Read Also: How to receive and send money with Transferwise

As I have earlier explained, PayPal has placed a limit on Nigerians account. you are allowed to register PayPal and send money with your linked account and shop online or pay bills however, you are restricted to not receiving money with your Nigerian PayPal account.

There is a way you can receive money to your local bank account in Nigerian directly from your PayPal account!

how to receive money with your Nigerian PayPal account

How to register verified PayPal account in Nigeria

To register PayPal account in Nigeria and receive money with it

  1. go to or (for South Africa) or
  2. You can register with any of the above links of your choice but, I will recommend Lesotho for this tutorial purpose
  3. Register with your email address, make sure the email is not linked to another paypal account
  4. fill in your password, name accordingly. use your name
  5. fill in your address. relax, use your home address and phone number.
  6. lastly make sure to use your details and do not use VPN

How to use PayPal to send and receive money in Nigeria

How to verify Nigeria PayPal account

After registering your lesotho PayPal with your Nigerian details, remember not to use VPN nor fake details. next PayPal will prompt you to verify your account by sending a verification link to your email address. click on the link and verify your account.

How to use PayPal to send and receive money in Nigeria

How to receive money with PayPal account

This is not a hard step if you have successfully created a Lesotho PayPal account as instructed above. To receive money with your Nigerian account, give out the email address you used to create your PayPal account to company or individual that wants to send you money through PayPal. that is all you need to get your cash.

PayPal will send you an email notifying you that you have received money from the address that sent it.

How to create payment link on Paypal

why do you need to create a payment link with your payment account? if you are a seller or a business person and you want to receive payment via PayPal, you don’t have to send just your email address to the buyers. they could type any amount they want by using the above method. but what if you want to give out a fixed price?

To do this, head to your PayPal account and click on settings icon and follow the prompt to create a PayPal profile

To create payment link in your PayPal Account just head

How to send money with PayPal account

This is the easiest and final step of them all. to send money with your PayPal account just simply head to your PayPal account and type in the email address you want to send money to and the amount.

but first you must have created your verified PayPal account and has also verified the account. linking your debit card.

Read Also: How send money with PayPal

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