Are you a Nigerian travelling to Cameroon and worried about how to pay for things or send money once you land? Or maybe you’re trying to send naira to a friend or pay for something in Cameroon?
The challenge is that the naira isn’t accepted in Cameroon, and traditional transfers can take hours or even days to clear, which isn’t ideal when you need to make quick payments.
Thankfully, you no longer need to rely on expensive currency conversion services. There are now a handful of reliable apps that let you pay for things in Cameroon using your naira. Just download, fund, and you’re good to go.
My top 7 Apps to pay anyone in Cameroon with naira
Eversend
Momo (By MTN)
Accrue
Bitnob
Afriex
Lemfi
Send by Flutterwave
I narrowed it down to my top 7 apps for sending money to anyone in Cameroon; the order doesn’t matter. Categorised by speed, fees, and reliability, this list helps you spend naira in Cameroon like you are in Nigeria.
Disclaimer: Every app I mentioned here is based on my experience. I do not endorse any. And it does not mean that if you try them out, you will get the same experience I got. I checked the customers’ reviews online, and some customers complain of delayed and reversed transfers with all of these apps, but I don’t think that should be a reason you won’t try out any, as delayed transfers are common with non-blockchain payments.
1. Eversend
| ⭐ App Rating | 4.2 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1 / 0.40 XAF |
| ⚡ Transfer Speed | Under 5 minutes |
Eversend is a platform that allows you to hold both Naira and Central African CFA (XAF) in your wallet at the same time, which is perfect for travellers.
Pros
Instant transfers to other Eversend users in Cameroon
Very fast mobile money payouts.
Good Customer service
Cons
Occasional KYC (identity verification) delays
Exchange rates can fluctuate more than flat-fee apps.
2. Momo (by MTN)
| ⭐ App Rating | 4.3 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1 / 0.41 XAF |
| ⚡ Transfer Speed | Under 15 minutes |
MTN MoMo is a 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
You cannot send or receive international funds on a “Tier 1” (basic) account.
It is not ideal for bulk transactions, as you cannot send more than the equivalent of $2,000–$5,000 per month (depending on your tier)
While the “fee” is low (3%), the exchange rate offered is usually slightly higher than the black market rate.
3. Accrue
| ⭐ App Rating | 4.4 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1 / 0.39 XAF |
| ⚡ Transfer Speed | Under 5 minutes |
Accrue is built specifically for the “intra-Africa” traveller. It uses a unique agent network to ensure that money hits Cameroonian wallets almost instantly.
Pros
Guaranteed 5-minute payout to Banks, Orange Money and Momo by MTN.
Very transparent interface
Excellent Customer Support
Cons
- The exchange rate can be slightly higher due to the speed of the agent network
4. Bitnob
| ⭐ App Rating | 3.9 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1 / 0.41 XAF |
| ⚡ Transfer Speed | Under 20 minutes |
Bitnob is an app that uses Bitcoin and the Lightning Network to move money fast and cheaply across Africa.
Pros
Send NGN to Cameroon bank accounts
Offers near-instant settlement
Supports more African countries for cross-border payments
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
5. Afriex
| ⭐ App Rating | 3.9 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1 / 0.41 XAF |
| ⚡ Transfer Speed | Under 10 minutes |
Afriex is a popular choice for intra-Africa remittances. It allows you to maintain a Naira wallet and send funds directly to mobile money accounts in Cameroon.
Pros
Multiple payout methods (Mobile Money \&Bank Transfer)
It is fast and secure
Low to zero fees on transfers
Offers standby customer support
Cons
Occasional lagging performance from app due to volume
KYC approval takes time
6. Lemfi
| ⭐ App Rating | 4.6 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1 / 0.40 XAF |
| ⚡ Transfer Speed | Under 15 minutes |
LemFi is a stronghold in African remittances, particularly famous for its “zero fee” policy. It is incredibly effective for sending money to French-speaking African countries like Cameroon and more.
Pros
Zero transfer fees to Cameroon
Direct payouts to MTN Mobile Money and Orange Money
Very high success rate with local Cameroonian networks
Available Customer Support
Cons
Funding is strictly in Naira for this route
Exchange rates include a small built-in margin.
7. Send App (By Flutterwave)
| ⭐ App Rating | 4.4 (App Store & Play Store) |
| 💱 Exchange Rate | ₦1 / 0.39 XAF |
| ⚡ Transfer Speed | Under 30 minutes |
With the Send app, you can easily make instant money transfers to Cameroon and other countries globally.
Pros
Fast Payout
Low transfer fee with ability to send up to $20,000 to recipients around the world for a flat fee.
Easy to use interface
Cons
You can’t hold currencies
Strict KYC
Customer Support response time can be slow
Which app should you use?
All of these apps will get your Naira to Cameroon, but the best one depends on your specific situation.
For the best value, use Bitnob or Afriex. They have good rates, and their fee structures are very friendly.
For the fastest delivery, Accrue and Eversend are the champions here, often settling in under 5 minutes.
If you are making a large business purchase, Send App is your best bet, as it handles high-volume transfers with better stability.
And if you find yourself in a place with poor internet, MTN MoMo via USSD is the only way to go.
Happy sending!