What is Taptap Send?
Taptap Send is a mobile money transfer app founded in 2018 by Michael Faye and Paul Niehaus, who previously co-founded the charity GiveDirectly. It started on the UK to Ghana route and has grown into one of the most popular apps for sending money to Africa and Asia, backed by major investors.
There is no website for sending money: everything happens in the iOS or Android app.
How Taptap Send prices a transfer to Nigeria
- Transfer fee: none. Taptap Send's published fee list includes no fee for Nigeria.
- Exchange rate: Taptap Send earns through a margin in the rate, and that margin is small.
On 8 November 2026, Taptap Send's public rates were:
| Sending from | Taptap Send rate | Mid-market rate | Gap | |---|---|---|---| | USA | ₦1,367 per $1 | ₦1,372.72 | about 0.4% | | UK | ₦1,830 per £1 | ₦1,832.65 | about 0.1% | | Europe | ₦1,525 per €1 | ₦1,529.28 | about 0.3% | | Canada | ₦965 per C$1 | ₦971.80 | about 0.7% |
With no fee and a gap that small, Taptap Send delivered the most naira on several of our routes that day. Rates change daily, so check the live table.
Delivery options in Nigeria
- Bank accounts: naira into Nigerian bank accounts.
- Mobile wallets: OPay and PalmPay are supported, which is useful for recipients who live in their wallet app.
There is no cash pickup. If your recipient needs cash, look at WorldRemit, Western Union or MoneyGram.
Paying for your transfer
Taptap Send is built around debit cards:
- Visa and Mastercard debit cards are accepted
- credit cards are declined
- bank transfers are generally not offered
This keeps transfers instant but rules out paying straight from your bank account.
Speed
Most Nigeria transfers arrive within minutes. Taptap Send says most arrive in under three minutes. First transfers and larger amounts can take longer while identity checks run.
Limits
Sending limits depend on the country you send from and how much of your identity you have verified. Low limits apply until you upload ID. Check the limit in the app before a large transfer.
How to send money to Nigeria with Taptap Send
- Download the app and create an account with your email and phone number.
- Verify your identity with a photo ID and a selfie. Do this before your first transfer to avoid delays.
- Add your debit card in your own name.
- Add your recipient: their full name exactly as on their bank account, the bank name and the 10-digit account number, or their OPay or PalmPay number.
- Enter the amount and check the naira your recipient will get. That is the number to compare with other apps.
- Confirm and track the transfer in the app. Your recipient gets a bank alert when the naira lands.
Common reasons transfers fail
- Credit card used. These are declined automatically.
- Card in someone else's name. The card must be in your own name.
- Recipient name mismatch. The name must match their bank account or wallet.
Our verdict
For everyday transfers to a Nigerian bank account or wallet, Taptap Send is one of the best-value options available: no fee, a very tight rate and fast delivery. Its limits are the app-only design, debit-card funding and no cash pickup. Compare it on your route: USA, UK, Canada or Europe.