SIMULATED RATES
🇬🇧GBP/NGN:₦2,025.50+1.42%·
🇬🇧GBP/GHS:GH₵20.40+0.92%·
🇬🇧GBP/KES:KSh170.50+1.15%·
🇬🇧GBP/ZAR:R23.80+0.45%·
⚡NIBSS / MOMO:< 2.8s LatencyINSTANT·
🔒TRANSFERS:£0.00 Fee100% FREE·
🏦FUNDING:UK Open BankingPAY BY BANK·
📊BENCHMARK:Indicative Demo RatesSIMULATED·
🇬🇧GBP/NGN:₦2,025.50+1.42%·
🇬🇧GBP/GHS:GH₵20.40+0.92%·
🇬🇧GBP/KES:KSh170.50+1.15%·
🇬🇧GBP/ZAR:R23.80+0.45%·
⚡NIBSS / MOMO:< 2.8s LatencyINSTANT·
🔒TRANSFERS:£0.00 Fee100% FREE·
🏦FUNDING:UK Open BankingPAY BY BANK·
📊BENCHMARK:Indicative Demo RatesSIMULATED·
SWAP.BETA

UK ➔ AFRICA REMITTANCE

PRIVATE BETA EARLY ACCESS OPEN

Instant Money Transfers from the UK to Africa.

Send money from your UK bank app to Nigeria, Ghana, Kenya, and South Africa with transparent wholesale FX rates, 100% free transfers (£0 fees), and instant settlement to local bank accounts & mobile money.

Compare FX Rates
Batch #01 Private Beta Rollout

Join Priority Early Access:

100% Free Transfers (£0 Fees) Real-Time Wholesale FX Sub-Second Bank Settlement
AppleGoogle Play

Mobile Remittance Apps in Development

Our native iOS and Android apps for 1-tap transfers to Africa are in active development. Register to get early access!

HOW IT WORKS

From UK Bank to Africa in 3 Clean Phases.

Explore the end-to-end journey from biometric onboarding to Fincra's real-time settlement rails.

PHASE 01 OF 03·Onboarding & KYC

Seamless Registration & Identity Verification

STEP 01
Swap Platform
Register & Verify Email

The user signs up with a valid email address. Swap sends a secure verification link via email to confirm and activate the account.

✉️ Verification Link Sent & Confirmed
STEP 02
Identity Partner
Biometric Passport & Selfie

The user provides a valid UK or eligible African passport alongside a live 3D selfie check. Identity validation is approved by our regulated partner in ~60s.

🛡️ Passport + 3D Liveness Approved (58s)
Infrastructure & Performance

Built For Seamless Cross-Border Commerce

Engineered from the ground up for zero-fee international transfers, real-time liquidity, and institutional security.

Pan-African Rails

Direct settlement to Nigeria, Ghana, Kenya & South Africa

£0.00 Fees

100% free transfers with transparent wholesale FX

< 3s Latency

Direct real-time settlement into African bank accounts & MoMo

Partner Safeguarded

Institutional-grade compliance & regulated clearing switches

INTERACTIVE REMITTANCE SIMULATOR

Experience Sub-Second Transfers. Interactive Simulator.

Test our simulated GBP-to-Africa transfer flow. Select a destination corridor, preview instant beneficiary name verification, and see how our < 2.8s direct settlement works.

swap.remit/uk-to-africa-simulator
SIMULATOR SANDBOX
NIBSS NIP Rail · < 2.8 Seconds
Rate locked for 45s
🇬🇧 GBP (£)
Recipient Gets₦1,012,750
🇳🇬
Spot Rate: 1 GBP = ₦2025.50 NGNTransfer Fee: £0.00 (Zero Fee)
Auto Name Resolution
CHUKWUDI EMEKA OKAFORAccess Bank • Registered Account Verified
MATCHED
Settlement Visualizer (Simulation) SLA < 2.8s

Ready to Test Transfer

Click below to execute a simulated direct send of £500 to CHUKWUDI EMEKA OKAFOR in Nigeria.

TRANSPARENT WHOLESALE FX ENGINE

Direct Mid-Market Rates from the UK to Africa.

Compare Swap's £0 transfer fee wholesale execution to Nigeria, Ghana, Kenya, and South Africa against legacy UK bank fees and traditional wire apps.

Rate CalculatorIndicative Beta Simulation

Beta Preview: Benchmark simulations displayed below. Live wholesale execution with £0 transfer fees will be available in real time once operational.

🇬🇧GBP (£)
Interbank Spot Rate1 GBP = ₦2,025.5 NGN

₦2,025,500

Settles in < 2.8 Seconds

🇳🇬

Transfer Fee

£0.00 (Zero Fee)

Extra vs High St Banks

+₦164,055

Provider Value Comparison for £1000 → NGN

Comparing total delivered payout after all fees and exchange rate markups.

SAVE UP TO ₦164,055
Swap DirectBEST VALUE

Direct Pan-African settlement rails

RECIPIENT RECEIVES

₦2,025,500

FX RATE₦2,025.5
TRANSFER FEE£0.00 (FREE)
DELIVERY< 2.8 Seconds
UK High Street Banks(Barclays, HSBC, Lloyds)
Fee: £15.00•Markup: ~6.7% spread•Speed: 2 - 4 Days

₦1,861,445

-₦164,055 lost vs Swap

Traditional Wire Apps(Legacy remittance)
Fee: £4.99•Markup: ~4.2% spread•Speed: 1 - 24 Hours

₦1,930,746

-₦94,754 lost vs Swap

Regulated Interbank Clearing

* Indicative simulation. Live rates locked upon transfer launch.

The Industry Problem

The Cross-Border Friction Swap Is Solving

International commerce and diaspora remittances have been burdened by high fees, slow settlements, and fragmented banking for decades. Here is how Swap fixes it.

High FX Markups & Hidden Fees

Traditional banks and wire providers silently inflate exchange rates by 3% to 6% on top of charging transfer fees every time you move money abroad.

Swap provides real-time wholesale mid-market FX rates with 100% free (£0) transfer fees.

✓ 0% Hidden Markup
Multi-Day Settlement Delays

Cross-border wire transfers take 2 to 5 business days and freeze over weekends, leaving beneficiaries and businesses waiting in uncertainty.

Swap settles directly through local sovereign payment rails into recipient bank accounts in seconds.

✓ < 3s Instant Rail
Unverified Beneficiary Errors & Failed Wires

Traditional wire systems have high failure rates, lack real-time account verification, and leave senders waiting days for bounced payments.

Swap validates beneficiary names instantly before debit and routes payments directly through national switches (NIBSS, MoMo, M-Pesa).

✓ Instant Name Match & Delivery
INSTITUTIONAL SETTLEMENT INFRASTRUCTURE

Pan-African Clearinghouse Rails.

Direct connection from UK Open Banking & Faster Payments to local central banking switches across Africa with zero intermediary fees.

🇬🇧 UK Inbound Funding:Pay by Bank (Open Banking) · Faster Payments (FPS) · Apple Pay · £0 Fees
NIBSS DIRECT < 2.8s

Nigeria (NGN 🇳🇬)

NIBSS Instant Payment (NIP) Central Switch

  • Direct Settlement to all 28+ Commercial Banks
  • Instant Fintech Payouts (OPay, PalmPay, Kuda)
  • Automated Recipient Name Verification
Regulated SwitchDirect Payout
GHIPSS & MOMO < 5.0s

Ghana (GHS 🇬🇭)

GhIPSS & Mobile Money Network Switch

  • Instant MTN Mobile Money (MoMo) & Telecel Cash
  • Direct Commercial Bank Clearing (GhIPSS)
  • Real-Time Wholesale GHS FX Liquidity
Regulated SwitchDirect Payout
M-PESA & EFT < 5.0s

Kenya (KES 🇰🇪)

Safaricom M-Pesa & PesaLink Rails

  • Instant Safaricom M-Pesa & Airtel Money
  • Direct Commercial Bank RTGS / EFT Clearing
  • Real-Time Wholesale KES Spot Rate
Regulated SwitchDirect Payout
PAYSHAP & EFT Instant / Real-Time

South Africa (ZAR 🇿🇦)

PayShap & National Bank Clearing

  • Instant PayShap Real-Time Settlement
  • Direct Clearing to all Major SA Commercial Banks
  • Automated PayShap ID & Account Lookup
Regulated SwitchDirect Payout
Getting started

Three simple steps to send money to Africa

01

Join Early Access

Enter your email to reserve your spot on the priority onboarding queue for UK to Africa transfers.

02

Quick 60-Second Verification

A UK ID or passport plus a quick biometric selfie unlocks instant, high-limit transfers to African bank accounts and mobile money.

03

Send Money with £0 Fees Always

Enjoy permanent £0.00 transfer fees on every single transfer, with real-time wholesale FX and instant settlement.

LAUNCH NOTIFICATION

Be First to Send When We Go Live.

We're putting the finishing touches on our instant GBP remittance rails. Sign up to get notified via email or WhatsApp the moment transfers are live.

100% Free Remittance (£0 Fees)

Enjoy zero transfer fees on all GBP payments to Nigeria, Ghana, Kenya, and South Africa with zero hidden costs.

Real-Time Wholesale FX Rates

Convert GBP to NGN, GHS, KES, and ZAR at transparent mid-market exchange pricing with zero markup.

Instant Switch Clearing (< 3s)

Funds land directly in beneficiary bank accounts or mobile wallets via NIBSS, MoMo, and M-Pesa.

Priority Mobile App Beta Access

Be the first in line when our 1-tap native iOS and Android remittance apps go live.

LAUNCH NOTIFICATION

Stay Updated on Launch

Receive an immediate email or message as soon as transfers open.

£0.00 Fees: Always free across all African corridors
Real-Time FX: Transparent mid-market pricing
Direct Settlement: Instant delivery to banks & MoMo
INSTITUTIONAL COMPLIANCE & SAFETY

Security Built for Absolute Trust.

We operate exclusively through licensed partner financial infrastructure, ensuring every GBP remittance is fast, transparent, and fully compliant.

Licensed Partner Rails

Transfers and FX conversions are executed strictly through regulated financial institutions, licensed IMTOs, and national central switches.

Regulated Infrastructure

Recipient Name Verification

Real-time bank resolution queries national switches to confirm the recipient's verified legal name before funds are sent.

Zero Misdirection

Bank-Grade Encryption

Financial payloads and transfer instructions are protected in transit with TLS 1.3 and end-to-end 256-bit AES encryption.

End-to-End Encrypted

Direct Non-Custodial Flow

Funds route seamlessly from your UK bank to the destination African account in under 3 seconds without wallet holding risk.

Direct Settlement
FREQUENTLY ASKED QUESTIONS

Everything You Need To Know.

Got questions about our remittance platform, mobile app launch, FX rates, or security?

The Swap remittance platform is in active rollout testing. Members on the VIP launch list will receive immediate priority notification and zero-fee promotional perks as soon as live transfers open for their selected corridor.