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The short answer
Send App by Flutterwave says it charges a flat transfer fee and uses an exchange rate that is "determined on a daily basis". Before you pay, its calculator shows three lines: the fee, the total to pay and the rate. Send App’s home page gives no fee amount, so the figure to rely on is the one shown on your own quote.
What Send App says about its fees
Send App’s home page describes the service in two phrases that matter for cost. First, users "can send up to $20,000 to recipients around the world for a flat transfer fee." Second, "the exchange rate used for all transactions is determined on a daily basis," and the currency converter "shows you the exchange rates whenever you attempt a transaction." No fee amount is published on the page, and the public calculator showed placeholder values when we checked in October 2026, with the fee line reading "FREE" before any amount was entered.
A flat fee means a fixed charge per transfer rather than a percentage of the amount. That favours larger transfers: the same charge is a smaller share of a big payment. It does not tell you the full cost, though, because the exchange rate carries its own cost.
The two parts of what you pay
| Part | How Send App shows it | What to look for |
|---|---|---|
| Transfer fee | A "Fee" line in the calculator before you pay | Whether it changes with the amount, the corridor or the payout method |
| Exchange rate | A "Rate" line, for example the naira per pound or per dollar | How far it sits from the mid-market rate you see on a reference site |
| Total to pay | The amount taken from your card, bank or wallet | That it matches the debit on your statement |
| Recipient gets | The amount after conversion | That it matches what lands in the Nigerian account |
The rate line is where most of the cost often sits. If the rate you are given is lower than the mid-market rate, the difference is a margin, even if the fee says zero. Send App does not publish a margin figure, so the way to measure it is to compare your quote with a mid-market reference at the same moment.
Worked example of the true cost
Example only, with made-up numbers. Suppose you send £200. Your quote shows a fee of £2, a total to pay of £202 and a rate of ₦1,900 to the pound, so your recipient gets ₦380,000. At the same moment a reference site shows a mid-market rate of ₦1,950. At that rate £200 would be ₦390,000. The exchange-rate cost is ₦10,000, which is about £5.13 at the mid-market rate. Add the £2 fee and the transfer costs about £7.13 in total, or roughly 3.5% of the £202 you paid. The figures are invented to show the method; check your own quote.
What can change the cost
- Where you send from. Send App lists sending countries across the EU, the UK, the US and several African countries. Each corridor can price differently.
- How you fund the transfer. The home page lists debit cards, credit cards, bank transfer, Apple Pay and Google Pay (web only). Your own card issuer may add a charge, especially on a credit card, which some issuers treat as a cash advance.
- How the recipient is paid. Bank account, mobile money and cash pickup are listed. Compare quotes if the app lets you switch.
- When you send. Because the rate is set daily, the same amount can buy a different number of naira on different days.
- Your limit tier. The support centre has articles on tier limits, which affect how much you can send rather than the price.
How to compare Send App with another provider
- Pick one amount and one payout method.
- Get a quote from each provider within a few minutes of each other.
- Write down the fee, the total to pay and the amount the recipient gets.
- Compare the recipient amount first. It already includes both the fee and the rate.
- Check whether the recipient’s Nigerian bank charges anything to receive. Most incoming naira transfers are free, but confirm with the bank.
For the payout side, our explainer on CBN rules on how remittances are paid out in Nigeria covers the rules that apply once money reaches Nigeria, and our guide on sending money to Nigeria with Send App covers the steps.
Reading the quote screen line by line
Before you confirm, take a screenshot of the quote. If the amount that reaches Nigeria is lower than the quote, the screenshot is your evidence. Check that the currency on the "Total to pay" line is the one your card or bank account is in; if it is not, your own bank may convert it first and add a cross-border charge that Send App never sees.
Where Pryme fits
If your family or clients send you pounds, dollars or euros, a Pryme account gives you local details in each of those currencies, and the money stays in that currency until you decide. When you convert with Swap, the rate is shown first and the fee sits on its own line before you approve, so you can run the same comparison. See multicurrency accounts for details.
Questions people ask
How much does Flutterwave Send charge per transfer?
Send App says it charges a flat transfer fee but does not publish the amount on its home page as at October 2026. The fee is shown in the calculator before you pay.
Is Send App free to send money to Nigeria?
The calculator may show the fee as free, but the exchange rate can include a margin. Compare the naira your recipient gets with a mid-market rate to see the full cost.
What exchange rate does Send App use?
Send App says its rate is determined on a daily basis and is shown whenever you attempt a transaction. The rate on your quote is the one that applies.
What is the maximum I can send on Send App?
The home page says users can send up to $20,000. Your own limit depends on your verification tier; the support centre explains tier limits.
Sources
- Send App by Flutterwave: home page and footer · accessed Oct 2026
- Send App support centre · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.