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Payd

Pay any bank account in 8 African countries

Pay bank accounts in Kenya, Nigeria, South Africa, Uganda, Tanzania, Ghana, Zambia and Malawi from your Payd balance. Fees are in the local currency and shown before you confirm.

Create a free accountSee all fees

Pay rent, suppliers or family, or move your own money to your bank.

Confirming a KES 25,000 bank transfer with a KES 120 fee in the Payd app

How it works

  1. 1

    Choose the country

    Then the bank and the account you're paying.

  2. 2

    Enter the amount

    See the fee and the total in the local currency.

  3. 3

    Confirm with your PIN

    We send it to the account, and it shows in your activity.

Bank payments without the back and forth

  • 8 countries

    Kenya, Nigeria, South Africa, Uganda, Tanzania, Ghana, Zambia and Malawi.

  • Local currency

    The account receives KES, NGN, ZAR or the local currency where it is.

  • Fees up front

    The fee and the total are on screen before you confirm.

  • Pay anyone's account

    Your own, your family's or a supplier's. They don't need Payd.

  • Your PIN on every payment

    Nothing leaves your account until you approve it.

  • A record for each payment

    Every transfer and its fee in your activity.

Bank transfer fees

Most bank fees are a flat amount per transfer, so larger payments cost less in percentage terms.

See the full price list
Kenya: KES 1 – 10,000
KES 80
Kenya: KES 10,001 – 50,000
KES 120
Kenya: KES 50,001 – 999,999
KES 140
Kenya: KES 1,000,000 – 50,000,000
KES 350
Malawi: MWK 500,000 – 1,200,000
1%
Malawi: Over MWK 1,200,000, up to 40,000,000
MWK 4,000
Nigeria
NGN 250
South Africa: ZAR 200 – 60,000
1% (min. ZAR 15)
South Africa: Over ZAR 60,000, up to 500,000
ZAR 225
Tanzania: TZS 5,000,000 – 10,000,000
1.2%
Tanzania: Over TZS 10,000,000, up to 25,000,000
TZS 65,000
Tanzania: Over TZS 25,000,000, up to 30,000,000
1%
Uganda: UGX 5,000,000 – 35,000,000
UGX 65,000
Zambia: ZMW 25,000 – 1,000,000
1.2% (min. ZMW 175)
Zambia: Over ZMW 1,000,000, up to 15,000,000
1.2% (min. ZMW 75)

Ghana fees are shown in the app before you confirm.

Where your money can go

Local accounts in the US and Europe, mobile money and banks in 11 African countries, and stablecoins for the rest of the world.

Need another country? Ask us

United States

USD · ACH, Wire

Canada

USD · Wire

Europe

EUR · SEPA

Kenya

KES · M-Pesa, Airtel Money, Bank, Paybill and Till

Uganda

UGX · Mobile money, Bank

Tanzania

TZS · Mobile money, Bank

Nigeria

NGN · Bank

Ghana

GHS · Mobile money, Bank

South Africa

ZAR · Bank (EFT)

Zambia

ZMW · Mobile money, Bank

Malawi

MWK · Mobile money, Bank

Cameroon

XAF · Mobile money

Senegal

XOF · Mobile money

Togo

XOF · Mobile money

Everywhere else

Get paid in USDT or USDC.

Questions

What details do I need?
The account holder's name, the bank and the account number. In South Africa you also pick the branch code.
Can I send to my own bank account?
Yes. Add your own account as the recipient and the money lands there.
Which currency does the account receive?
The local currency of the account: KES in Kenya, NGN in Nigeria, ZAR in South Africa and so on.
Is there a limit per transfer?
Yes, limits depend on the country and the bank. The app shows them, and our price list has the bands.

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