What it really costs to send money to Africa

The Ratenify Remittance Index, November 2026. We track live rates and fees across almost every remittance app. This index shows how much more your family gets when you pick the best provider instead of the worst, or instead of a high-street bank.

₦12,375.57more on £100 to Nigeria with the best provider (Prune Payments) than the worst (Western Union)

9.5% morereceived on average using the best provider instead of a UK bank

12.2%average gap between the best and worst provider across 18 routes

Every route, sending 100

RouteBest providerRecipient getsWorst provider getsAverage bank gets

Pound → NairaPrune Payments₦185,500.00₦173,124.43 (−7.1%)—Pound → CediAfriChangeGH₵1,589.84GH₵1,496.37 (−6.2%)—Pound → Kenyan ShillingDahabshiilKSh17,445.78KSh16,068.04 (−8.6%)KSh16,890.11 Pound → Ugandan ShillingInstaremUSh544,377.00USh455,128.75 (−19.6%)USh505,736.54 Pound → RandGreyR2,216.61R1,825.06 (−21.5%)R2,093.41 Pound → Egyptian PoundSend AppE£7,231.39E£5,958.51 (−21.4%)E£5,958.51 Dollar → NairaWorldRemit₦137,860.53₦126,905.98 (−8.6%)—Dollar → CediAfriChangeGH₵1,193.60GH₵1,041.20 (−14.6%)—Dollar → Kenyan ShillingInstaremKSh12,980.00KSh11,760.08 (−10.4%)—Dollar → Ugandan ShillingInstaremUSh407,224.00USh317,989.85 (−28.1%)—Dollar → RandTapTap SendR1,656.50R1,486.02 (−11.5%)—Dollar → Egyptian PoundLemFiE£5,408.00E£4,635.27 (−16.7%)—Euro → NairaSend App₦153,823.37₦145,411.53 (−5.8%)—Euro → CediAfriChangeGH₵1,326.25GH₵1,247.42 (−6.3%)—Euro → Kenyan ShillingPesaKSh14,478.00KSh13,415.48 (−7.9%)—Euro → Ugandan ShillingInstaremUSh454,200.00USh419,323.47 (−8.3%)—Euro → RandPesaR1,849.00R1,716.62 (−7.7%)—Euro → Egyptian PoundTapTap SendE£6,030.00E£5,552.39 (−8.6%)—

Live snapshot for a 100 GBP/USD/EUR bank-to-bank transfer, after fees, from each provider's own quote. Banks: UK high-street banks where we have a quote. Journalists: you're welcome to cite this index with a link to ratenify.com. Press enquiries: hello@ratenify.com.