⚡ Features 📱 Mobile Money 🧮 Calculadora 💲 Pricing 🚀 Open Account
Available in 8+ African Countries

Send Money
Across Africa
Instantly

XenderMoney is the fastest, most affordable way to send and receive money across Asia, Europe and Africa. One wallet, every payment method.

Trusted by thousands of users
🔒 Encrypted
✓ KYC Verified
⚡ Instant
Transfer sent
+45,000 XAF
Good morning 👋
Kofi A.
Total Balance
247,500
XAF · Central African Franc
📤
Send
📥
Receive
📱
MoMo
💳
Card
Recent
AM
Amara M.
Today 09:42
+12,000
FD
XenderShop
Yesterday
-8,500
MT
MTN MoMo
Jun 01
+50,000
Transfer complete Delivered in 3s
8+
African countries
5
Mobile Money operators
<5s
Average transfer time
0%
Fees on first transfer

Everything you need
in one wallet

Built for the African diaspora and local users — every payment method, every currency, one app.

Instant Transfers

Send money to any XenderMoney user in under 5 seconds. No delays, no bank hours — available 24/7.

📱

Mobile Money

Top up and cash out via MTN MoMo, Orange Money, Wave, Moov, and Airtel Money across 8 countries.

💳

Card Payments

European users can fund their wallet with Visa or Mastercard via Stripe. Instant currency conversion included.

🌍

Multi-Currency

Hold XAF, EUR, USD, GHS, RWF and more. Transfer across currencies with live exchange rates.

🔒

KYC & Compliance

3-level KYC system. Level 1 in minutes with just your phone. Level 3 unlocks unlimited transfers.

🔔

Real-Time Alerts

Instant push notifications for every transaction. Full history with filters, search, and export.

Nuestros usuarios

Personas reales, operaciones reales

Envíos, pagos y transferencias — desde África hasta Europa, cada día.

Mobile Money
📱 Mobile Money

Retiro MTN MoMo instantáneo

📍 Douala, Cameroun
Send Money
💸 Transferencia

Enviando dinero a familia en África

📍 Madrid, España
Pay with phone
💳 Pago en tienda

Pago QR en comercio local

📍 Dakar, Sénégal
Business payment
🏪 Pago B2B

Cobro a clientes para su negocio

📍 Abidjan, Côte d'Ivoire
Exchange rates
📊 Cambio de divisa

EUR → XAF al mejor tipo en tiempo real

📍 París, Francia
KYC verification
🔒 Verificación KYC

Cuenta verificada en 3 minutos

📍 Lagos, Nigeria
ATM withdrawal
🏧 Reintegro

Retiro de efectivo con código QR

📍 Yaoundé, Cameroun
Restaurant payment
🍽 Pago en restaurante

P2P entre amigos al salir a cenar

📍 París, Francia
Bar payment
🍺 Pago en bar

Split automático entre el grupo

📍 Barcelona, España
Pharmacy payment
💊 Pago en farmacia

Medicamentos pagados al instante

📍 Douala, Cameroun
P2P transfer
🤝 Transferencia P2P

Envío directo entre contactos

📍 Abidjan, Côte d'Ivoire
Mobile top-up
📲 Recarga móvil

Top-up Orange Money en segundos

📍 Dakar, Sénégal
African woman sending money
💌 Enviando dinero

Mamá envía el sustento a Duala desde Madrid

📍 Madrid → Cameroun
Man sending money
🎉 ¡Llegó el dinero!

Papá recibe la transferencia al instante

📍 París → Dakar
Happy diaspora
😊 Familia conectada

"Le cambié la vida con XenderMoney"

📍 Lyon → Abidjan
Woman happy with phone
🥹 Emoción real

Primera transferencia recibida — coste 0 XAF

📍 Barcelona → Lagos
video call family
📞 Videollamada + pago

Envío mientras hablas con tus seres queridos

📍 Marseille → Bamako
woman at home sending
🏠 Desde casa

Sin filas, sin comisiones ocultas, sin estrés

📍 Bilbao → Yaoundé

Everything in your pocket

A powerful wallet designed for Africa. Send, receive, pay and manage — all from one screen.

Good morning 👋
Kofi A.
TOTAL BALANCE
247,500
XAF · Central African Franc
📤
Send
📥
Receive
📱
MoMo
💳
Card
RECENT
AM
Amara M.
Today
+12,000
MT
MTN MoMo
Yesterday
+50,000

Home · Wallet

Send Money
Recipient
FD
Fatou D.
@fatou.dakar
Amount
25,000
XAF
Note
Pour le loyer 🏠
Confirm & Send →
Fee: 0 XAF · Arrives in <5s

Send Money

Mobile Money
Select operator
🟡
MTN MoMo
CM · GH · RW · CI
🟠
Orange Money
CM · SN · CI · ML
🔵
Wave
SN · CI · ML · BF
Phone number
+237 6XX XXX XXX
Top Up Now

Mobile Money

History
All
Sent
Received
MTN MoMo
Jun 03 · 09:12
+50,000
Fatou D.
Jun 02 · 14:30
-25,000
Amara M.
Jun 01 · 11:05
+12,000
XenderShop
May 31 · 08:20
-8,500

Transaction History

16 Services.
One App.

Everything you need for your financial life, commerce and logistics — integrated, instant, secure.

💸
Send Money
Instant · 2% fee · 35 countries
💰
Receive Money
QR code · IA Code · Link
🏦
Withdraw
Bank · MoMo · Circular agent
💱
FX Converter
EUR · USD · XAF · XOF live
Bills & Recharges
Airtime · Electricity · Water · TV
🫂
Tontines
Group savings · Auto rounds
🌍
Live World Map
Real-time transaction flows
📢
Advertising
Promote your business in-app
🛒
XenderShop
AliExpress × Africa · FCFA prices
🏬
XenderBigShop
Restaurants · Pharma · Markets
🚚
XenderDelivery
Last-mile · Live GPS · Same day
🏛️
Tax Management
Declare · Pay · Receipt
🔄
My Currencies
Portfolio multi-currency
🤖
InnovaBot AI
AI assistant · 24/7 support
🏪
POS Terminal
Accept payments · NFC · QR
🔗
Payment Request
Payment links · Invoices

Every screen. Every detail.

A tour through the full app experience.

🫂 Tontines
Active group
Les Amis Dakar
8 members · 25,000 XAF/round
Round 5/8 · Next payout: Marie T.
MT
Marie T.
Current beneficiary
200K XAF
KB
Kofi B.
✓ Paid this round
Tontines · Group Savings
⚡ Bills & Recharges
📱
Airtime
MTN · Orange
💡
Electricity
AES · ENEO
🚿
Water
CDE · CAMWATER
📡
Internet
Camtel · Yoomee
📺
TV / DSTV
Canal+ · StarTimes
🏫
School Fees
Universities
Pay Bills Instantly →
6 Bill Categories · 24/7
🌍 Live World Map
35
Countries
142K
Users
$2.4M
Today
38K
Txns
LIVE TRANSACTIONS
Updating every 3s...
Real-time flow · Leaflet Maps
🏪 POS Terminal
TAP TO PAY
📲
Pharmacie Centrale
47,500 XAF
Paracetamol 500mg x37,500 XAF
Amoxicillin 250mg x212,000 XAF
Vitamins C x3028,000 XAF
✓ Collect Payment → NFC/QR
POS · Any business · Instant
🪪 KYC & Profile
CIB
Cristiano I.
IA-XM9472 · 🇬🇶 Malabo
KYC LEVEL 3 — VERIFIED ✓
Daily limitUnlimited
Transfer fee2%
Streak🔥 47 days
1,420
Points
Gold
Tier
23
Referrals
Profile · KYC · Loyalty
🤖 InnovaBot AIAI
🤖
Hello! I'm InnovaBot. How can I help you today?
What's the rate EUR → XAF today?
🤖
Today: 1 EUR = 655.96 XAF. Want me to convert an amount?
AI assistant · 24/7 · Multilingual
📢 My Advertising
Boutique Mode Yaoundé
ACTIVE
14.2K
Views
847
Clicks
5.9%
CTR
🎯 Yaoundé
👗 Fashion
18-35 yrs
+ New Campaign →
Advertising · Targeting · Analytics
🏛️ Tax Management
33%
State
10%
InnovaAFRIC
57%
Yours
Q2 2026 · Tax Receipt
Gross income2,450,000 XAF
Tax declared-808,500 XAF
Net earnings1,396,500 XAF
📄 Download Official Receipt
Declare · Pay · Receipt · Audit

5 Operators.
8 Countries.

We've integrated the most trusted Mobile Money networks across West and Central Africa.

🟡
MTN MoMo
CM · GH · RW · CI
🟠
Orange Money
CM · SN · CI · ML
🔵
Wave
SN · CI · ML · BF
🔷
Moov Money
CI · BF · ML · GN
🔴
Airtel Money
GH · RW
🇨🇲 Cameroon
🇸🇳 Senegal
🇬🇳 Guinea
🇨🇮 Côte d'Ivoire
🇲🇱 Mali
🇧🇫 Burkina Faso
🇷🇼 Rwanda
🇬🇭 Ghana

Send money in
4 simple steps

1

Create Account

Sign up in 2 minutes with your phone number. No bank account required.

2

Add Money

Top up via Mobile Money, bank transfer, or card. Funds available instantly.

3

Enter Recipient

Search by name, phone number, or XenderMoney ID. Confirm details.

4

Money Sent!

Transfer delivered in seconds. Both parties receive instant notification.

Simple, transparent fees

No hidden charges. You always know what you pay before you send.

Basic
Free / month

Perfect for getting started. Low limits, full access to core features.

  • Up to 100,000 XAF / month
  • Mobile Money top-up
  • Send to XenderMoney users
  • KYC Level 1
  • Transaction history
Get started free
Business
9,900 XAF / mo

For businesses and high-volume transfers across borders.

  • Unlimited transfers
  • International SWIFT/SEPA
  • API access
  • KYC Level 3
  • Bulk payments
  • Dedicated account manager
Contact sales

Every Service.
One Pocket App.

From micro-loans to group savings, from shop to delivery — everything integrated in one wallet.

💰 Micro-Loans
Available Credit
150,000
XAF · 0% first loan
30 days0%
90 days2.5%
180 days4%
Request Loan →

Micro-Loans

🫂 Tontines
Group · Famille Nkeng
750,000
XAF pool · 6 members
Marie — 125,000
Paul — 125,000
Fatou — pending
Your turn: Round 4

Group Savings

⚡ Pay Bills
💡
AES Sonel
Electricity
8,500
📡
Camtel
Internet · Fiber
15,000
💧
CDE Water
Water bill
4,200
📺
Canal+
Subscription
7,500
Pay All — 35,200 XAF

Bills & Utilities

🛍️ XenderShop
🔍Search 2M+ products...
📱
Smartphone
45,000
👟
Sneakers
12,500
💄
Beauté
3,800
☀️
Solaire
89,000
Pay with XenderMoney / MoMo 🚀

Shop Integration

35 Countries.
3 Continents.

XenderMoney operates across Asia, Europe and Africa. Send and receive in your local currency — instantly.

🌍
Africa
22 countries
🇨🇲 Cameroun 🇸🇳 Sénégal 🇨🇮 Côte d'Ivoire 🇬🇭 Ghana 🇳🇬 Nigeria 🇰🇪 Kenya 🇿🇦 South Africa 🇲🇱 Mali 🇧🇫 Burkina Faso 🇷🇼 Rwanda 🇹🇿 Tanzania 🇬🇶 Guinea Ecuat. 🇬🇦 Gabon 🇨🇬 Congo + 8 more
🌍
Europe
8 countries
🇫🇷 France 🇪🇸 España 🇩🇪 Deutschland 🇮🇹 Italia 🇧🇪 Belgique 🇨🇭 Suisse 🇵🇹 Portugal 🇳🇱 Nederland
🌎
Asia
5 countries
🇧🇷 Brasil 🇨🇴 Colombia 🇲🇽 México 🇦🇷 Argentina 🇵🇪 Perú
🚀 Expanding 2026
Ecuador · Venezuela · Chile

Bank-Grade Security.
Zero Compromise.

Your money and data are protected by military-grade encryption and multi-layer compliance standards.

🔐
256-bit Encryption
All data in transit and at rest encrypted with AES-256. Same standard used by major banks worldwide.
🛡️
2FA & Biometrics
Two-factor authentication on every login. Face ID and fingerprint support. SMS + email confirmation for large transfers.
🧾
KYC / AML
Full KYC verification. Anti-money laundering monitoring on all transactions. Compliant with FATF standards.
📋
GDPR Compliant
Full compliance with European GDPR. Your data belongs to you. Delete your account and all data at any time.
🏦
Segregated Funds
User funds held in segregated accounts at licensed partner banks. Never used for operations. 100% ring-fenced.
99.98% Uptime SLA
Redundant infrastructure across 3 data centers. Real-time monitoring 24/7. Incident response under 5 minutes.
Uptime
99.98%
Fraud Rate
<0.001%
Support
24/7
Encryption
AES-256

Real-Time Exchange Rates

Updated every 60 seconds. Zero hidden fees. What you see is what you send.

You send
0% fee
CurrencyYou receiveRateChange
Rates updated just now · Indicative rates

Start Sending Money Today

Open your free XenderMoney account in under 2 minutes.

Create Free Account →

Contact & Support

Our team is available to help you with your transfers, technical issues, and partnership inquiries.

📧
Email
contact@xendermoney.com

Escríbenos para cualquier consulta.

📞
Teléfono / WhatsApp
Próximamente

Lo activaremos muy pronto.

📍
Dirección
Próximamente

Calle · Nº · Piso · Código postal · Ciudad — pronto.

📬 Novedades XenderMoney

Nuevos países, mejores tasas, funciones exclusivas — todo en tu bandeja de entrada

Sin spam · Cancela cuando quieras

CALCULADORA EN VIVO

¿Cuánto recibirá?

Tasas actualizadas · Sin comisiones ocultas

Enviar ahora →

Tasas de referencia. La tasa exacta se confirma al momento del envío.

Iniciar sesión

¿Sin cuenta? Regístrate gratis →

MI CUENTA

Bienvenido,

· Código:
Saldo EUR
€0.00
Saldo USD
$0.00
📤Enviar
📥Recargar
📋Historial
Últimas transacciones

Cargando…

Verificación KYC
⚪ Sin verificar

Sube un documento de identidad para desbloquear límites más altos y funciones premium.