The diaspora's home for smarter transfers.
Keep more of your hard-earned money. No complex jargon, just easy wealth management from Peckham to Port Harcourt.
Trusted by 10,000+ users
Why use us for your cross border transfers
How sending from the UK works
Sending money takes just a few minutes in 3 simple steps
Create & Add Details
Create your secure account and add your recipient’s Nigerian or Ghanaian bank details.
Enter Amount in GBP
See the exact NGN or GHS amount your recipient will receive. We lock in the competitive rate.
Confirm and Pay
Pay securely via UK debit card, bank transfer, or open banking. Track in real-time.
Banks & Western Union
£15.00 fee
Hidden exchange markups
With PayRieo
£0.00 fee
Mid-market rate, guaranteed.
Stop losing money to "Hidden" rates.
Traditional banks and cash-based operators often charge higher transfer fees and less competitive exchange rates. Our digital-first model offers lower fees and better rates — meaning more naira reaches your family.
- ✔ Fully transparent pricing upfront
- ✔ Real-time exchange rate tracking
Control your money, dodge the hidden fees.
We don't play games with your hard-earned money. Get the maximum value every time you send money to Africa.
Zero maintenance Wahala
No hidden subscriptions or charges. Keep your account open for free, forever.
No minimum balance
Whether you're holding £10 or £10,000, you are always in full control of your wallet.
Unbeatable NGN Rates
Stop letting traditional banks eat your profits. We give you transparent exchange rates that beat the high street every single time.
Built for the Hustlers, the Students, and the Family Builders.
We’ve made finance simple. Whether it's black tax, school fees, or investing back home—we've got you covered.
The Hustlers
Freelancing for global clients or running a business? Receive and convert funds without crazy bank markups eating your profits.
The Students
Waiting on allowance or paying tuition directly to universities? Experience instant transfers that don't leave you stranded waiting days.
The Family Builders
Supporting parents, building that Lagos property, or covering medical bills. Send money home securely with bank-grade encryption giving you peace of mind.
What our community is saying
Join thousands of Nigerians in the UK moving money smarter, faster, and with better rates.
"Paying school fees back home used to stress me. Now it’s instant and predictable."
Chioma A.
Student, Birmingham
"Supporting my parents every month is now seamless. No hidden charges, ever."
Tunde K.
Engineer, Leeds
"The money lands in Lagos before I even close the app. Transparent rates, zero drama."
Fatima S.
Consultant, Manchester
"I save hundreds monthly compared to my old bank. The exchange rate difference is serious."
David O.
Freelancer, London
Support that speaks
your language.
Tired of bots? Chat with a real human who understands exactly why that transfer to your auntie is urgent.
24/7 Human Support
Chioma from PayRieo
Online
Frequently Asked Questions
Everything you need to know about UK to Nigeria & Ghana transfers.
Most transfers to Nigerian bank accounts are completed within minutes. Delivery time may vary depending on:
- Nigerian banking hours
- Security checks
- Public holidays
Before you confirm payment, we’ll show the estimated delivery time.
We offer competitive, real-time GBP to NGN exchange rates. You’ll see:
- The exact exchange rate
- Any applicable fee
- The exact amount your recipient will receive in naira
Once you confirm your transfer, the rate is locked in. No surprises. No hidden markups.
Yes. Security is our highest priority. We use:
- Bank-level encryption
- Secure payment processing
- Multi-layer identity verification
- Ongoing transaction monitoring
We comply with UK financial regulations and strict anti-money laundering requirements to safeguard your funds.
As a regulated money transfer provider, we are required to verify your identity under UK financial regulations. This protects:
- You
- Your recipients
- The wider financial system
Most verifications are completed digitally within minutes.
Your recipient can receive funds via:
- Direct deposit to Nigerian bank accounts
- Selected payout partners (where available)
The money is delivered directly in Nigerian naira (NGN).
You can pay using:
- UK debit cards
- UK bank transfers
- Open banking
All payments are processed securely.
Yes. Sending limits depend on:
- Your verification level
- UK regulatory requirements
Higher limits may be available after providing additional verification.
You can cancel your transfer if it has not yet been processed or paid out. If eligible:
- Funds will be returned to your original payment method
- Refund timelines depend on your bank or card provider
Our support team can assist via Live Chat, Email, or Phone for urgent requests.
The power of PayRieo in your pocket.
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Recent Transfers
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