Are you a Nigerian travelling to Rwanda, or are you simply looking to make transactions from Nigeria?
If you’ve ever tried sending naira to Rwanda, you’ll know the typical process: walking into a bank, converting naira to dollars, submitting documentation, paying high fees, and then waiting days for the money to arrive.
In this article, I break down the 5 best apps for sending naira to Rwanda, fast, easy to use, and without the heavy charges that come with banks.
My Top 5 Apps to Send Naira to Rwanda
- Momo (By MTN)
- Hizo Africa
- Bitnob
- Cashwyre
- Eversend
Ranking: The ranking below is based on overall user app stores rating, exchange rate fees, and transfer speed.
1. Momo (by MTN)
| ⭐ App Rating | 4.3 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1.04 / RWF |
| ⚡ Transfer Speed | Under 20 minutes |
MTN MoMo is a versatile financial platform that empowers you to send and receive funds, settle bills, and receive international remittances across Africa.
Pros
- Instant Settlement
- No Internet Required, as you can dial the USSD code (*671#)
- Offers Automatic Conversion
Cons
- Require higher kyc to send to Rwanda
- It is not ideal for bulk transactions (depending on your tier)
- While the “fee” is relatively competitive (3%), the exchange rate is on the high side.
2. Hizo Africa
| ⭐ App Rating | 4.1 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1.05 / RWF |
| ⚡ Transfer Speed | Under 20 minutes |
Hizo Africa is designed specifically for Nigerians who want to send money across African borders without hassles.
Pros
- Offers simple, beginner-friendly interface
- Sends to bank accounts and mobile wallets in Rwanda and beyond
- Useful for multi-country African travel
Cons
- Still growing user base, thereby has a small user base
- Not ideal for large or frequent business transfers
3. Bitnob
| ⭐ App Rating | 3.9 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1.04 / RWF |
| ⚡ Transfer Speed | Under 30 minutes |
Bitnob is an app that uses Bitcoin and the Lightning Network to move money fast and cheaply across Africa.
Pros
- Send NGN to Rwanda bank accounts easily
- Offers near-instant settlement
- Supports transactions to Rwanda and 8 more African countries
Cons
- Some users report that customer support can be slow to resolve issues
- Verification issues are occasionally reported by users
- 1% fee for all intra-Africa transfers
4. Cashwyre
| ⭐ App Rating | 4.6 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1.04 / RWF |
| ⚡ Transfer Speed | Under 30 minutes |
Cashwyre is an app that lets you send money from Nigeria to Rwanda in local currencies, removing the need for dollar conversion.
Pros
- Send Nigerian Naira directly to Rwanda accounts without converting to USD
- Fund wallet with Naira, Bitcoin, USDT, or USDC, creating a flexible entry
- Fast transactions, typically under 10 minutes
- Transparent process with in-app rate preview before confirming
Cons
- Smaller user base and fewer public reviews
- Customer support responsiveness is not well-documented
- Fee structure not prominently publicised.
5. Eversend
| ⭐ App Rating | 4.2 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1.03 / RWF |
| ⚡ Transfer Speed | Under 30 minutes |
Eversend is an app designed for anyone who needs to hold and send money across Africa. You convert from Naira to Rwandan Francs and send it directly to any bank account and M pesa wallets.
Pros
- Send directly to M-Pesa wallets and Rwandan bank accounts
- Fund your wallet with Naira directly from a Nigerian bank account
- Free and instant transfers between Eversend users
- Multi-currency wallet, as you can hold NGN, RWF, USD, and more
Cons
- Some users report occasional delays and deposit issues
- Exchange rates have been criticised as less competitive by some reviewers
- Sending a huge sum of money may be restrictive for large transfers
Fee & Rate Comparison: Sending Naira (NGN) to Kenya (KES)
This table breaks down the real costs of moving money from Nigeria to Kenya today.
| App Name | Payout Method | Conversion Rate & Fees |
| Momo (By MTN) | Momo Wallet/ Bank / USSD | ₦1.04 / RWF Fee: 3% |
| Hizo Africa | Mobile Money / Bank | ₦1.05 / RWF Fee: None |
| Bitnob | Mobile Money / Bank | ₦1.04 / RWF Fee: 1% Flat |
| Eversend | Mobile Money / Bank | ₦1.04 / RWF Fee: Bundled |
| Cashwyre | Mobile Money/ Bank | ₦1.03 / RWF Fee: Rate spread |
Which App Should You Use?
Most of these apps will get your Naira to Rwanda, but the best one depends on your specific situation.
For the best exchange rate, go with Bitnob. They offer the most value for your money, and their transparent fee structures are best for smaller, frequent transfers.
For the most reliable reach, MTN MoMo is your best bet. Because it uses USSD infrastructure (*671#), it works even when the internet is spotty, making it ideal for recipients in rural Rwanda.
For a global, professional experience, use Paysend. If you are sending to a bank card (Visa/Mastercard) rather than a wallet, Paysend offers the highest reliability.
For regular support and savings, Eversend is excellent. Their multi-currency wallet allows you to “buy” RWF when the rate is good and hold them until you’re ready to spend.
Happy sending!
Disclaimer: The information provided in this article is for informational purposes only and does not constitute professional financial or legal advice. These rankings are based on the author’s personal testing, real-time customer reviews, and available market data for 2026; however, please be aware that fintech platforms and Nigerian exchange regulations are subject to frequent updates that can alter fees, features, or account stability at any time. Monierate strongly recommends performing your own due diligence and verifying current terms directly with the service providers before transacting, as we are not liable for any financial losses or service interruptions.