If you need to send money from Nigeria to Uganda, the key question is, how do you transfer your naira and get it delivered quickly?
The Naira is not used in Uganda, and traditional bank transfers are often slow, expensive, and unpredictable.
The good news is you can now send naira and have it received in Ugandan Shillings (UGX) within minutes using the right apps, no need for cash exchanges.
To save you time, here are 7 of the best apps to send money from Nigeria to Uganda, fast, reliable, and without the usual stress.
My top 7 Apps to pay anyone in Uganda with naira
- Bitnob
- Accrue
- Eversend
- Flutterwave Send
- Momo (By MTN)
- Hizo Africa
- Chipper Cash
1. Bitnob
| ⭐ App Rating | 3.9 (App Store & Play Store) |
| 💱 Exchange Rate | ₦0.38 / UGX |
| ⚡ 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 Uganda 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
2. Accrue
| ⭐ App Rating | 4.4 (App Store & Play Store) |
| 💱 Exchange Rate | ₦0.39 / UGX |
| ⚡ 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 Uganda wallets almost instantly.
Pros
- Guaranteed 5-minute payout to Banks and mobile wallets.
- Very transparent interface
- Excellent Customer Support
Cons
- The exchange rate can be slightly higher due to the speed of the agent network
3. Eversend
| ⭐ App Rating | 4.2 (App Store & Play Store) |
| 💱 Exchange Rate | ₦0.37/ UGX |
| ⚡ Transfer Speed | Under 5 minutes |
Eversend is a platform that allows you to hold both Naira and in your wallet at the same time, which is perfect for travelers.
Pros
- Instant transfers to other Eversend users
- Very fast mobile money payouts.
- Good Customer service
Cons
- Occasional KYC (identity verification) delays
- Exchange rates can fluctuate more than flat-fee apps.
4. Send App (By Flutterwave)
| ⭐ App Rating | 4.4 (App Store & Play Store) |
| 💱 Exchange Rate | ₦0.37/ UGX |
| ⚡ Transfer Speed | Under 30 minutes |
With the Send app, you can easily make instant money transfers to Uganda and other available countries.
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
5. Momo (by MTN)
| ⭐ App Rating | 4.3 (App Store & Play Store) |
| 💱 Exchange Rate | ₦0.39/ UGX |
| ⚡ 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.
6. Hizo Africa
| ⭐ App Rating | 4.1 (App Store & Play Store) |
| 💱 Exchange Rate | ₦0.38 / UGX |
| ⚡ 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 Uganda and beyond
- Useful for multi-country African travel
Cons
- Still growing user base, thereby has small user base
- Not ideal for large or frequent business transfers
7. Chipper Cash
| ⭐ App Rating | 4.4 (App Store & Play Store) |
| 💱 Exchange Rate | ₦0.37/ UGX |
| ⚡ Transfer Speed | Under 20 minutes |
Chipper Cash is an easy-to-use mobile app that makes money transfers fast,and secure, whether you are sending money home to support your family, running a cross-border business, or paying local expenses.
Pros
- Sending money to another Chipper user is completely free and instant.
- Frequently offers Cashback for transfers
- Easy to use interface
Cons
- The exchange rate might be slightly higher most of the time.
- Customer Support Challenges
- KYC Strictness
Which App Should You Use?
Most of these apps will get your Naira to Uganda, but the best one depends on your specific situation.
For the best exchange rate, go with Send App (by Flutterwave) or Chipper Cash. They currently offer the highest amount of UGX per Naira.
Bitnob is the top choice if you want near-instant, borderless transfers with a flat fee.
For the fastest settlement, Accrue is the leader, as it consistently delivers using a specialised agent network to ensure payouts hit Ugandan wallets in under 5 minutes.
For the most reliable reach, MTN MoMo is your best bet.
For a global, professional experience, use Send App (by Flutterwave).
For regular support and savings, Eversend is excellent. Their multi-currency wallet allows you to hold both NGN and UGX simultaneously.
Happy sending!