Wallets side by side
Hold pounds, dollars and Canadian dollars. Pending and available, always shown apart.
GBP£2,480.60Available
USD$915.20Available
CADC$340.00C$120.00 pending
Send money fast and know what lands in Lagos.
Between the UK, US, Canada and four African markets, in either direction. Real people reply within 2 hours.
- Within 1 hourusual arrival
- 30-minuterate hold
- 2-hour replyfrom real people
Send money
You send
They get
Rate: 1 GBP = 1,936.71 NGN
Includes our £3.99 fee. Usually arrives within 1 hour.
Your rate is held for 30 minutes once you continue.
Today’s rates
GBP→NGN1,936.71GBP→GHS19.49GBP→KES163.29USD→NGN1,530.00USD→KES129.00USD→XOF605.00CAD→GHS11.32CAD→XOF444.85
Why Shefa
Why Shefa
Money between the people you love and the places you call home. See what lands before you pay.
Markets7From the UK, US and Canada to four African markets.
Directions2Send money home, or get paid from home.
usual arrival1hrMost transfers land in under an hour.
Support reply2hrsReal people reply, every day 7am to 11pm.
10 seconds · How it works
Four steps from your wallet to their account.
The same flow in the mobile app and on the web. Add money, check the quote, track the transfer and get help without leaving the app.
0:00 / 0:10
Speed
Most transfers land within the hour.
We hold your rate while you pay, route the money to their bank or mobile wallet, and tell you the moment each step is done.
- Rate held30 min
- Up frontevery fee
- Freeto cancel
UK to NigeriaDelivered to Chiamaka · 14:52
You sent£500.00
Chiamaka got₦960,626.96
Total time40 min
What lands
Every penny, accounted for before you pay.
Slide to an amount. The fee, the rate and what they get update as you move.
You send£500
Chiamaka gets₦960,626.96
rate hold30:00
- You send
- £500.00
- Our fee
- £3.99
- We convert
- £496.01 99.2%
- Rate
- 1 GBP = 1,936.71 NGN
Usually arrives within 1 hour.
Send to Nigeria, Ghana, Côte d’Ivoire, Kenya, the United Kingdom, the United States and Canada
Seven markets
Money moves both ways.
Send home from the UK, US or Canada, or get paid from home into your wallet abroad.
to
- Pays into
- Bank account
- Rate
- 1 GBP = 1,936.71 NGN
- Usually
- Within 1 hour
12 routes, both ways. Tap a country name to change it.
Markets open in stages. The app only shows the routes available where you live.
London → Lagos
Support
Answers in seconds. People within hours.
Help lives inside every screen. Search it, or message a real person about the exact transfer that needs a look.
Most transfers arrive within 1 hour. You can follow every step in Activity.
Yes. Cancel free in the app until the money leaves for the bank.
Rates are held for 30 minutes. Get a fresh quote in one tap.
In review: we’re checking a detail, usually within 2 hours. In progress: on its way. Delivered: it has arrived. Returned: back in your wallet.
No matches. Try ‘rate’, ‘ID’ or ‘Kenya’, or message support from the app.
We will never ask for your password, passcode or a sign-in code. If someone does, it isn’t us.
01 / 06Instant answersSearch help, any time
One account
Every currency. One pocket.
Your rate, held
Lock a quote. What they get won’t move.
30:00Rate locked
Saved recipients
Send again in a few taps, details checked first.
A receipt for everything
Share it the moment money lands.
Delivered · 14:52₦960,626.96
To Chiamaka O. · GTBank£500.00
SHF-1510-8KQ2
Start anywhere
Begin on your phone, finish on the web.
iOSAndroidWeb
Security and trust
Protected at every step.
Six layers keep your money safe, from sign-in to delivery.
Sign in
Hold to sign in with a passkey
or get a one-time code by SMS
Identity check
AOAdaeze OkaforLondon, United KingdomVerified
Photo ID
Selfie match
Address
Screening
SenderAdaeze O.
RecipientChiamaka O. · GTBank
Clear to send
Encryption
COChiamaka O.GTBank · Nigeria
0123 4567 89
- Encrypted in transit
- Encrypted at rest
- Private storage
Licensed partners
PayazaPlus a licensed partner in every market
Daily reconciliation
RefShefaPartner
8KQ2£500.00£500.00
3JD7$240.00$240.00
9PL1C$90.00C$90.00
All matched today
FAQ
Good questions.
Can’t see yours? The team replies within 2 hours, every day from 7am to 11pm.
How long does a transfer take?
Most transfers arrive within 1 hour. Some take longer if your bank holds the payment or we need to check a detail. You’ll see every step in the app as it happens.
Can I cancel a transfer?
Yes. Cancel free in the app until the money leaves for their bank or mobile wallet. After that, message support and we’ll help.
Why did my quote expire?
We hold your rate for 30 minutes so the amount they get can’t change while you pay. If time runs out, get a fresh quote in one tap.
Can I receive money from Africa?
Yes. Money moves both ways. Family, clients or employers in Nigeria, Ghana, Côte d’Ivoire and Kenya can pay into your Shefa wallet, where available.
Why do you need my ID?
The law requires us to confirm who you are before you send money abroad. It protects you, your recipient and the route. You do it once.
Why can’t I send to a bank in Kenya?
In Kenya we start with mobile money, which is how most people get paid there. Bank payouts are added as our partner rails support them.