Afronomics comparison · Africa
What it costs to send money home
For every sending country the World Bank surveys into Africa: what a family loses in fees and exchange-rate margin when someone sends the equivalent of $200, the cheapest service surveyed, and how each kind of provider compares. The world’s target (UN Sustainable Development Goal 10.c) is 3%.
Sending $200 into Africa costs, on average
$18.08
9.04% of the money, against a 3% target
97 corridors, surveyed January to March 2025
5.86%
from outside Africa (74 corridors)
19.27%
between African countries (23 corridors)
3 of 97
corridors at or under the 3% target
36
African countries receiving
Sending money between African countries costs about 3.3 times as much as sending it from outside Africa. The dearest corridors are within the continent. Where banks were surveyed beside other providers, they were the dearest in 38 of 43 corridors.
By country
Find your corridor
Average total cost across the services surveyed; the cheapest single service; the change on the quarter before.
Sending money to Algeria
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| Belgium3 services · transfer companies 2.49% | 2.49% | $4.98 | Paysend 2.49%Money Transfer Operator | +0.05 pts |
Sending money to Angola
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| South Africa15 services · transfer companies 12.39% · bank / money transfer operator 13.01% · banks 22.09% | 16.40% | $32.80 | Hello-Paisa 8.20%Money Transfer Operator | −1.17 pts |
Sending money to Botswana
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| South Africa30 services · transfer companies 10.55% · bank / money transfer operator 12.24% · banks 26.30% | 14.86% | $29.72 | Hello-Paisa 4.27%Money Transfer Operator | +0.14 pts |
Sending money to Cabo Verde
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| Portugal6 services · transfer companies 4.93% | 4.93% | $9.86 | MoneyGram 3.30%Money Transfer Operator | +1.18 pts |
| United States13 services · transfer companies 7.22% · banks 22.50% | 9.57% | $19.14 | Walmart2World 4.10%Money Transfer Operator | −1.19 pts |
Sending money to Cameroon
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| France22 services · transfer companies 4.85% | 4.85% | $9.70 | Ace Money Transfer 1.60%Money Transfer Operator | +1.05 pts |
Sending money to Comoros
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| France16 services · bank / money transfer operator 3.19% · transfer companies 4.94% | 4.83% | $9.66 | Western Union 2.85%Money Transfer Operator | −0.10 pts |
Sending money to DR Congo
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| Belgium19 services · transfer companies 5.46% · money transfer operator / post office 8.63% | 5.63% | $11.26 | MoneyGram 1.33%Money Transfer Operator | −0.21 pts |
Sending money to Côte d'Ivoire
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| France24 services · mobile money 2.16% · bank / money transfer operator 2.94% · transfer companies 4.33% | 4.18% | $8.36 | TapTap Send 1.61%Money Transfer Operator | +0.08 pts |
Sending money to Egypt
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| Jordan13 services · transfer companies 2.14% · banks 4.29% | 2.31% | $4.62 | MoneyGram 1.46%Money Transfer Operator | same |
| Kuwait23 services · transfer companies 2.87% | 2.87% | $5.74 | Lulu Money 2.70%Money Transfer Operator | +0.10 pts |
| United Arab Emirates14 services · banks 1.05% · transfer companies 3.28% | 3.12% | $6.24 | DirectRemit (NBD) 1.05%Bank | −0.74 pts |
| Bahrain7 services · transfer companies 4.50% | 4.50% | $9.00 | Bahrain Financing Company 2.60%Money Transfer Operator | +0.58 pts |
| United States18 services · transfer companies 4.62% | 4.62% | $9.24 | MoneyGram 1.90%Money Transfer Operator | −0.97 pts |
| Saudi Arabia12 services · transfer companies 3.64% · banks 10.89% | 5.45% | $10.90 | STC Pay 2.79%Money Transfer Operator | +0.32 pts |
| Qatar5 services · transfer companies 5.56% · banks 7.97% | 6.04% | $12.08 | Western Union 2.62%Money Transfer Operator | −0.07 pts |
| Italy25 services · money transfer operator / post office 3.67% · post office 4.08% · transfer companies 5.34% · bank / money transfer operator 14.52% · banks 30.05% | 12.19% | $24.38 | Western Union 1.57%Money Transfer Operator | +1.65 pts |
Sending money to Eritrea
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| United States8 services · transfer companies 6.08% | 6.08% | $12.16 | Western Union 4.50%Money Transfer Operator | same |
| United Kingdom14 services · transfer companies 7.27% | 7.27% | $14.54 | TalkRemit 3.86%Money Transfer Operator | −0.22 pts |
Sending money to Eswatini
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| South Africa9 services · transfer companies 1.82% · banks 12.40% · bank / money transfer operator 14.46% | 11.46% | $22.92 | Shoprite Money Transfer 1.82%Money Transfer Operator | −0.19 pts |
Sending money to Ethiopia
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| United States19 services · transfer companies 5.61% | 5.61% | $11.22 | Walmart2World 3.00%Money Transfer Operator | −0.74 pts |
| Saudi Arabia4 services · transfer companies 7.25% | 7.25% | $14.50 | Western Union 3.75%Money Transfer Operator | −0.12 pts |
| United Kingdom17 services · transfer companies 7.57% | 7.57% | $15.14 | Western Union 3.92%Money Transfer Operator | −0.47 pts |
| Italy21 services · transfer companies 7.56% · money transfer operator / post office 11.13% | 7.73% | $15.46 | Western Union 4.29%Money Transfer Operator | +0.11 pts |
Sending money to The Gambia
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| United Kingdom23 services · transfer companies 12.27% | 12.27% | $24.54 | YaYeh Instant Services 8.28%Money Transfer Operator | +0.18 pts |
Sending money to Ghana
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| Netherlands26 services · transfer companies 4.80% | 4.80% | $9.60 | Unity Monetary Services BV 0.52%Money Transfer Operator | −0.77 pts |
| United States28 services · transfer companies 5.00% | 5.00% | $10.00 | MoneyGram 0.32%Money Transfer Operator | same |
| Canada22 services · transfer companies 5.62% · banks 13.06% | 6.64% | $13.28 | WorldRemit 1.73%Money Transfer Operator | same |
| United Kingdom38 services · transfer companies 6.86% | 6.86% | $13.72 | Unity Link 0.71%Money Transfer Operator | same |
| Germany33 services · transfer companies 9.88% · bank / money transfer operator 9.93% | 9.88% | $19.76 | Remitly 1.78%Money Transfer Operator | same |
Sending money to Kenya
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| United Kingdom32 services · transfer companies 4.44% | 4.44% | $8.88 | Skrill 1.57%Money Transfer Operator | −0.21 pts |
| United States31 services · transfer companies 5.20% | 5.20% | $10.40 | Walmart2World 0.27%Money Transfer Operator | −1.15 pts |
| Canada27 services · transfer companies 6.52% · banks 13.32% | 7.28% | $14.56 | Royal Bank of Canada 2.17%Bank | −0.35 pts |
| South Africa36 services · mobile money 5.90% · transfer companies 9.33% · bank / money transfer operator 14.46% · banks 28.62% | 10.45% | $20.90 | Mama Money 4.38%Money Transfer Operator | same |
| Rwanda7 services · mobile money 6.99% · transfer companies 8.02% · banks 25.25% | 17.72% | $35.44 | Ecobank Rapidcash 4.16%Bank | +2.15 pts |
| Tanzania10 services · transfer companies 8.68% · mobile money 10.89% · banks 79.07% | 58.17% | $116.34 | MoneyGram 8.22%Money Transfer Operator | −1.56 pts |
Sending money to Lesotho
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| South Africa11 services · transfer companies 6.98% · banks 12.40% · bank / money transfer operator 14.46% | 11.11% | $22.22 | Shoprite Money Transfer 1.82%Money Transfer Operator | −0.16 pts |
Sending money to Liberia
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| United States18 services · transfer companies 5.76% | 5.76% | $11.52 | MoneyGram 0.00%Money Transfer Operator | +0.13 pts |
Sending money to Madagascar
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| France15 services · transfer companies 5.17% | 5.17% | $10.34 | Western Union 1.94%Money Transfer Operator | −0.13 pts |
Sending money to Malawi
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| South Africa26 services · mobile money 23.00% · transfer companies 32.98% · bank / money transfer operator 40.45% · banks 77.07% | 43.35% | $86.70 | ABSA via Western Union 14.46%Bank / Money Transfer Operator | +26.28 pts |
Sending money to Mali
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| France16 services · mobile money 2.05% · bank / money transfer operator 3.06% · transfer companies 4.04% | 3.85% | $7.70 | TapTap Send 1.61%Money Transfer Operator | +0.09 pts |
| Côte d'Ivoire9 services · mobile money 1.50% · transfer companies 2.89% · banks 9.43% | 5.33% | $10.66 | Ecobank Rapidcash 1.35%Bank | same |
| Senegal6 services · mobile money 1.50% · banks 30.54% | 25.70% | $51.40 | Orange Money 1.50%Mobile Operator | +3.95 pts |
Sending money to Morocco
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| Belgium31 services · transfer companies 4.26% · money transfer operator / post office 5.30% · banks 8.58% | 4.57% | $9.14 | MoneyGram 2.15%Money Transfer Operator | −0.10 pts |
| Netherlands25 services · transfer companies 4.75% · banks 13.42% | 5.10% | $10.20 | Western Union 2.77%Money Transfer Operator | −0.12 pts |
| Germany30 services · transfer companies 4.95% · banks 5.52% · bank / money transfer operator 8.66% | 5.17% | $10.34 | MoneyGram 3.49%Money Transfer Operator | −0.19 pts |
| Spain24 services · transfer companies 4.82% · banks 22.05% | 5.54% | $11.08 | Western Union 3.57%Money Transfer Operator | +0.15 pts |
| France40 services · transfer companies 3.75% · bank / money transfer operator 4.04% · banks 24.79% | 6.40% | $12.80 | Attijariwafa Bank 1.55%Bank | +0.48 pts |
| Italy37 services · money transfer operator / post office 2.46% · transfer companies 4.02% · bank / money transfer operator 6.75% · post office 10.51% · banks 23.20% | 8.50% | $17.00 | Poste Italiane via Western Union 1.03%Money Transfer Operator / Post Office | +0.52 pts |
| Israel3 services · transfer companies 13.57% · banks 14.91% | 14.02% | $28.04 | MoneyGram 10.08%Money Transfer Operator | +0.67 pts |
Sending money to Mozambique
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| Portugal14 services · transfer companies 5.01% | 5.01% | $10.02 | MoneyGram 1.35%Money Transfer Operator | +1.11 pts |
| South Africa35 services · transfer companies 6.60% · bank / money transfer operator 11.46% · banks 20.57% | 8.87% | $17.74 | Mukuru 3.93%Money Transfer Operator | −0.28 pts |
Sending money to Nigeria
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| Canada13 services · transfer companies 3.29% | 3.29% | $6.58 | WorldRemit 0.94%Money Transfer Operator | −0.19 pts |
| Netherlands21 services · transfer companies 3.60% | 3.60% | $7.20 | Remitly 0.04%Money Transfer Operator | +0.08 pts |
| United States20 services · transfer companies 3.62% | 3.62% | $7.24 | MoneyGram 0.77%Money Transfer Operator | −0.74 pts |
| Germany24 services · transfer companies 3.98% · bank / money transfer operator 4.51% | 4.01% | $8.02 | WorldRemit 0.21%Money Transfer Operator | −2.09 pts |
| Spain15 services · transfer companies 4.32% | 4.32% | $8.64 | Remitly 0.17%Money Transfer Operator | +2.23 pts |
| United Kingdom15 services · transfer companies 4.38% | 4.38% | $8.76 | Sendwave 1.20%Money Transfer Operator | +1.28 pts |
| Cameroon2 services · transfer companies 4.82% | 4.82% | $9.64 | Western Union 4.52%Money Transfer Operator | +0.92 pts |
| Italy22 services · transfer companies 2.18% · money transfer operator / post office 5.03% · bank / money transfer operator 5.57% · banks 24.84% | 5.68% | $11.36 | Remitly 0.01%Money Transfer Operator | +1.19 pts |
| Ghana7 services · banks 10.56% | 10.56% | $21.12 | EcoBank Rapid Transfer 5.39%Bank | −1.11 pts |
| South Africa20 services · bank / money transfer operator 9.73% · transfer companies 11.10% · banks 21.62% | 13.13% | $26.26 | Mama Money 4.01%Money Transfer Operator | +0.12 pts |
Sending money to Rwanda
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| Canada17 services · transfer companies 5.87% · banks 10.95% | 6.16% | $12.32 | WorldRemit 2.23%Money Transfer Operator | −0.28 pts |
| Kenya12 services · transfer companies 5.45% · mobile money 8.07% · banks 9.32% | 7.50% | $15.00 | Dahabshiil 2.78%Money Transfer Operator | +0.71 pts |
| United Kingdom20 services · transfer companies 7.53% | 7.53% | $15.06 | Remitly 1.99%Money Transfer Operator | −0.68 pts |
| Tanzania6 services · mobile money 6.01% · transfer companies 8.79% · banks 80.68% | 44.27% | $88.54 | Tigo 6.01%Mobile Operator | −1.24 pts |
Sending money to Senegal
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| France25 services · bank / money transfer operator 2.96% · transfer companies 3.13% | 3.13% | $6.26 | Western Union 1.28%Money Transfer Operator | −0.40 pts |
| Italy28 services · transfer companies 2.96% · money transfer operator / post office 3.04% · bank / money transfer operator 5.68% · post office 8.57% · banks 28.17% | 8.66% | $17.32 | Poste Italiane via Western Union 0.86%Money Transfer Operator / Post Office | +1.43 pts |
Sending money to Sierra Leone
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| United Kingdom18 services · transfer companies 5.00% | 5.00% | $10.00 | CashMinute 2.88%Money Transfer Operator | −0.68 pts |
Sending money to Somalia
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| Australia10 services · transfer companies 3.99% | 3.99% | $7.98 | Western Union 2.65%Money Transfer Operator | −0.77 pts |
| United States5 services · transfer companies 5.60% | 5.60% | $11.20 | Western Union 4.00%Money Transfer Operator | −0.25 pts |
| Netherlands9 services · transfer companies 6.05% | 6.05% | $12.10 | WorldRemit 4.42%Money Transfer Operator | same |
| United Kingdom17 services · transfer companies 6.81% | 6.81% | $13.62 | Western Union 3.92%Money Transfer Operator | −0.20 pts |
| Sweden10 services · transfer companies 7.73% | 7.73% | $15.46 | WorldRemit 5.72%Money Transfer Operator | +0.99 pts |
Sending money to South Africa
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| United States18 services · transfer companies 6.84% | 6.84% | $13.68 | WorldRemit 1.92%Money Transfer Operator | −1.18 pts |
| United Kingdom25 services · transfer companies 7.04% | 7.04% | $14.08 | Remitly 2.09%Money Transfer Operator | same |
Sending money to South Sudan
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| United Arab Emirates3 services · transfer companies 3.32% | 3.32% | $6.64 | Western Union 2.51%Money Transfer Operator | −0.08 pts |
| United States6 services · transfer companies 5.33% | 5.33% | $10.66 | MoneyGram 3.00%Money Transfer Operator | same |
| United Kingdom8 services · transfer companies 9.16% | 9.16% | $18.32 | Western Union 6.05%Money Transfer Operator | −0.07 pts |
| Kenya24 services · transfer companies 3.69% · banks 14.13% | 12.39% | $24.78 | Dahabshiil 2.78%Money Transfer Operator | +0.71 pts |
Sending money to Sudan
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| Saudi Arabia2 services · transfer companies 3.85% | 3.85% | $7.70 | Western Union 2.92%Money Transfer Operator | −5.82 pts |
Sending money to Tanzania
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| United Kingdom16 services · transfer companies 6.25% | 6.25% | $12.50 | CashMinute 1.92%Money Transfer Operator | +1.76 pts |
| Kenya26 services · mobile money 1.98% · transfer companies 4.97% · banks 13.71% | 11.80% | $23.60 | M-Pesa 1.98%Mobile Operator | +0.76 pts |
| South Africa16 services · transfer companies 11.69% · bank / money transfer operator 14.63% · banks 27.88% | 13.89% | $27.78 | WorldRemit 6.60%Money Transfer Operator | −0.12 pts |
Sending money to Togo
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| France18 services · bank / money transfer operator 2.93% · transfer companies 4.33% | 4.25% | $8.50 | Western Union 2.47%Money Transfer Operator | same |
| Germany14 services · bank / money transfer operator 2.78% · transfer companies 5.17% | 5.00% | $10.00 | Western Union 2.58%Money Transfer Operator | +0.40 pts |
Sending money to Tunisia
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| France22 services · bank / money transfer operator 1.54% · banks 2.69% · transfer companies 4.40% | 4.12% | $8.24 | MoneyGram 1.02%Money Transfer Operator | −0.92 pts |
| Italy22 services · money transfer operator / post office 2.25% · transfer companies 5.74% · bank / money transfer operator 6.60% · post office 10.37% · banks 24.30% | 8.28% | $16.56 | Poste Italiane via Western Union 1.24%Money Transfer Operator / Post Office | +1.52 pts |
Sending money to Uganda
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| United Kingdom33 services · transfer companies 5.04% | 5.04% | $10.08 | Sendwave 1.52%Money Transfer Operator | −0.51 pts |
| Kenya27 services · transfer companies 5.08% · mobile money 6.51% · banks 13.71% | 11.90% | $23.80 | Dahabshiil 2.78%Money Transfer Operator | +0.83 pts |
| Tanzania10 services · transfer companies 7.96% · banks 77.54% | 63.62% | $127.24 | MoneyGram 7.50%Money Transfer Operator | −2.69 pts |
Sending money to Zambia
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| United Kingdom26 services · transfer companies 5.58% | 5.58% | $11.16 | Remitly 2.10%Money Transfer Operator | +0.27 pts |
| South Africa37 services · transfer companies 10.92% · bank / money transfer operator 12.38% · banks 24.39% | 13.91% | $27.82 | WorldRemit 5.20%Money Transfer Operator | +0.27 pts |
Sending money to Zimbabwe
| From | Average cost | On $200 | Cheapest surveyed | vs quarter before |
|---|---|---|---|---|
| United Kingdom26 services · transfer companies 5.87% | 5.87% | $11.74 | WorldRemit 3.32%Money Transfer Operator | −0.25 pts |
| Australia21 services · transfer companies 6.04% · banks 8.52% | 6.40% | $12.80 | Citibank 2.53%Bank | +0.09 pts |
| Canada19 services · transfer companies 6.33% · banks 11.78% | 7.47% | $14.94 | Royal Bank of Canada 2.17%Bank | −0.21 pts |
| South Africa40 services · mobile money 5.64% · transfer companies 9.42% · bank / money transfer operator 11.46% · banks 23.63% | 11.91% | $23.82 | Sasai Money Transfer 4.97%Money Transfer Operator | −0.29 pts |
Look at what arrives, not the fee
The cost is the fee plus the margin hidden in the exchange rate. A “free” transfer can cost more than one with a fee. Compare the amount your family receives in their own currency.
Banks are usually dearest
Where both were surveyed, banks were the dearest kind of provider in 38 of 43 corridors, often several times what mobile money or transfer companies charge.
Prices change, and so do offers
These are the World Bank’s survey prices for one quarter. A very low price can be a first-transfer offer. Check the service’s own quote on the day you send.
Source: World Bank, Remittance Prices Worldwide, survey of January to March 2025, the latest the World Bank has published as a download. Cost of sending the equivalent of USD 200, including fees and exchange-rate margin, as a percentage of the amount sent; averages are simple averages of the services surveyed in each corridor, which Afronomics computes. Corridors with fewer than two services surveyed are left out. Information, not advice: Afronomics does not recommend any provider. See also how much each country receives.
Quick answers
Questions people ask
- How much does it cost to send money from United Kingdom to Kenya?
- In the World Bank's survey of January to March 2025, sending the equivalent of $200 cost 4.44% on average (about $8.88) across 32 services. The cheapest surveyed was Skrill at 1.57%. Check the provider's own quote on the day you send.
- How much does it cost to send money from United States to Nigeria?
- In the World Bank's survey of January to March 2025, sending the equivalent of $200 cost 3.62% on average (about $7.24) across 20 services. The cheapest surveyed was MoneyGram at 0.77%. Check the provider's own quote on the day you send.
- How much does it cost to send money from South Africa to Zimbabwe?
- In the World Bank's survey of January to March 2025, sending the equivalent of $200 cost 11.91% on average (about $23.82) across 40 services. The cheapest surveyed was Sasai Money Transfer at 4.97%. Check the provider's own quote on the day you send.
- How much does it cost to send money from United States to Ghana?
- In the World Bank's survey of January to March 2025, sending the equivalent of $200 cost 5.00% on average (about $10.00) across 28 services. The cheapest surveyed was MoneyGram at 0.32%. Check the provider's own quote on the day you send.
- Why is it so expensive to send money between African countries?
- In the World Bank's survey of January to March 2025, sending $200 between African countries cost 19.27% on average, against 5.86% from outside Africa. Where banks were surveyed beside other providers, they were the dearest in 38 of 43 corridors.
- What is the global target for remittance costs?
- The UN Sustainable Development Goal 10.c aims to cut the cost of sending remittances to under 3% by 2030, and to remove corridors costing more than 5%.
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