Under 60 seconds. Seriously.
If a Nigerian bank is slow, we queue the retry and tell you.
Send money
to Nigeria in
seconds.
No hidden fees.
No "estimated" delivery times.
No wondering if your mum actually got the money.
ABC
Join thousands sending money home with certainty
FCA RegisteredCBN-Licensed Partner
🇬🇧 ⌄
Exchange Rate£1 = ₦2,145
Transfer Fee£0.00
Total Cost£0.00
₦0🇳🇬
Most transfers arrive in under 1 minute
Partners
Transparent End-to-End Pricing
We show the exchange rate, our fee, and the exact amount your recipient receives before you confirm. What you see is what they get. No hidden markup.
Exchange Rate£1 = ₦2,145
Transfer Fee£0.00
Total Cost£0.00
Verified Delivery
Every recipient bank account is name-matched via local banking networks before you save it. Wrong account? Mismatched name? Blocked before you send. No failed transfers.
Built for Speed
95% of transfers complete in under 60 seconds. The other 5%? Under 5 minutes. If something goes wrong, we tell you immediately — no silent failures.
CR
Credit
Amt:NGN500,000.50
Just now
CR
Credit
Amt:NGN500,000.50
Just now
CR
Credit
Amt:NGN500,000.50
Just now
Everything you need.Nothing you don't.
Verified Recipient Setup
Add a recipient once. Send forever.
We validate every Nigerian bank account via NIP before you can save it. Wrong account number? Mismatched name? Blocked before you send. No failed transfers. No reversal fees. No awkward "did you get it?" calls.
Live Quote with Rate Lock
See the full picture before you commit.
Your quote shows five numbers: amount sent, exchange rate, fee, total cost, and exact amount received. Lock the rate for up to 60 seconds. Market moves first? Fresh quote. No bait-and-switch.
Open Banking Payment
Pay from your bank. Not your card.
Authorise payment directly in your Monzo, Starling, Revolut, Barclays, or other UK banking app. You authorise directly. We never store your login details. Funds settle in seconds.
Recipient SMS Notifications
They know it’s coming. They know it’s arrived.
Your recipient gets an SMS when the payout starts and another when it lands. They don’t need a smartphone, an app, or a Velvet account. Just a bank account and a phone.
What you get when yousend with Velvet
We don't hold your
money. We move it.
Two numbers.
Not one hidden rate.
Send again in three taps.
We target 40%+ repeat-sender rate within 90 days because the product is designed for people who send on a predictable, often recurring, schedule.
Send now.Pay later.Build your score.
Fund transfers when you need to. Repay when it suits you. Build your credit score with every on-time payment.
Flexible access
Draw from your credit limit when you need it. Only pay interest on what you use. Set a repayment date that works for your pay cycle.
Credit building
Eligible payments are reported to Experian, Equifax, and TransUnion. Build and strengthen your UK credit score over time.
Rate clarity
See your quote, fees, and repayment timing before you confirm. No hidden math. No surprises after the transfer is sent.
Ready when you are
Move quickly when family needs support. Borrow only what you need, then repay in a rhythm that fits your budget.
Our customer reviews
★★★★★
“Sending money home finally feels clear from the first screen.”
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★★★★★
“The rate and fee breakdown is exactly what I want to see before paying.”
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★★★★★
“Recipient setup is simple and makes repeat transfers faster.”
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★★★★★
“I like that the app explains what is happening instead of leaving me guessing.”
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★★★★★
“The delivery updates make it easier to confirm money arrived.”
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★★★★★
“The flow feels built for people who send to family regularly.”
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Questions?
We’ve got answers.
Yes. We're registered with the FCA as an EMD agent and operate under our partner's EMI licence. Your money is safeguarded.
If a transfer cannot be completed, we show the status clearly and guide the refund or retry path.
Identity checks help us protect your account, comply with financial rules, and unlock higher transfer limits.
Velvet is designed for Nigerian bank payouts through supported local banking rails and partner coverage.
If the market moves after the lock window, you get a fresh quote before confirming.