Fees you can see. Before you confirm.
No hidden FX margins. No surprise charges. Every fee is shown inside the bot before anything moves.
Sending ₦100,000 internationally
ZendPay
₦1,500
1.5% · Arrives in under 15 minutes
₦98,500 received
Industry average
₦6,000–₦12,000
6–12% · 1–5 business days
₦88,000–₦94,000 received
You save ₦4,500–₦10,500 on a single transfer.
Personal
Standard fees
| Action | Fee | Time |
|---|---|---|
| Send Naira to any Nigerian bank | ₦50 flat | Under 60 seconds |
| Receive Naira to your bank | Free | Under 60 seconds |
| Convert Naira → USD (ZendFlex) | 0.5% spread | Instant |
| Convert USD → Naira | 0.5% spread | Instant |
| International transfer | 1.5% | Under 15 minutes |
| ZendVault opening / withdrawal at maturity | Free | Instant |
| Pay bills (electricity, internet, TV, airtime) | Free | Seconds |
Fees are charged in Naira from your ZendPay balance.
Business
Built for the volume you do.
Starter
Free
For sole traders and freelancers getting paid in dollars.
- ✓Up to 20 invoices / month
- ✓Multi-currency receive
- ✓Standard fee schedule
- ✓Email support
Growth
₦15,000 / mo
For small businesses with regular international clients.
- ✓Unlimited invoices
- ✓Bulk payouts (CSV)
- ✓Team access (up to 3 seats)
- ✓Priority support
Pro
Custom
For SMBs moving $50k+ monthly across borders.
- ✓Custom FX spread
- ✓API access
- ✓Dedicated account manager
- ✓SLA-backed support
Fees charged in Naira from your ZendPay balance.
Stop paying banks to move your own money.
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