Enter the amount
See the real rate, and what the recipient gets. Rate is locked for 60 seconds. Zero fees.
UK → Nigeria. Lands in seconds
Send money home, instantly
Just your Velvet app and their bank details. The best market rate, zero fees, and cash that lands in seconds.
You send
GBP
GBPLive rateFetching the live rate…
Recipient gets
NGN
NGNBacked by and partnered with:
Three taps, done
How Velvet works
Add your recipient
Their name and bank details or pick from anyone you've sent to before.
Send it home
Confirm with your PIN. Money lands in seconds and you both get the receipt.
99.9%Transfer completion rate
4.9
App Store rating
App Store rating£0.00Transfer fees
<60sAverage delivery
The UK → Nigeria corridorThe best rate,
The best rate,
always.
The live rate, shown upfront with zero fees. Straight to GTBank, Opay, Kuda, PalmPay and every bank in Nigeria.
- Bank transfer
- Card top up
- Instant banking
You send —
● Live rate- Velvet—
- Bank—
- Others—
Velvet was baked for you
Better rates for international transfers
Nurse Chioma
Send more home. Keep more too.
You work the extra shifts. Velvet makes sure more of what you earn gets home with better exchange rates.
Money management + Credit building
Developer Nano
Work and bills sorted.
Between shipping features and paying bills, Velvet keeps your money moving too. Stay on top of your spending and build your credit along the way.
Fast money transfers
Doctor Taiwo
Between shifts. Still sent.
You have ten minutes before the next round. Send money home quickly, without turning it into another task on your list.
Zero transfer fees + Transparent rates
HCA Sammy
No fees. No funny business.
Your money should arrive as expected. Send home with zero transfer fees and no hidden exchange-rate surprises.
Fast money transfers
Designer Safiya
Zero mental load.
A little more thoughtful. A little less friction. A delightful financial experience with little paperwork.
What you get when you send with Velvet
Your money is sent within seconds, seriously
You have full visibility on every transaction status.
We don't hold your money. We move it.
Exact rates, clearly shown. No hidden costs.
Send again in three steps.
Send once, and your recipient is saved. No need to re-enter the details again.
More than moving money
Sending home is only the start. Velvet is building the tools to grow your whole financial life in the UK.
Build UK credit
A card designed for your needs across countries. Every repayment builds the credit history that opens doors, phone contracts, car finance, and beyond.
A home of your own
Mortgage support built for the diaspora. Lenders who understand income and history across two countries.
Safe as houses
Your money is safeguarded and your data is locked down with bank-grade encryption. We're built to keep your funds exactly where they belong.
Safeguarded funds
Held with regulated partner banks.
Bank-grade encryption
Everything you send is protected end to end.
Face ID & PIN
Only you can unlock the app or confirm a send.
24/7 real support
Humans who understand life across countries.
Loved from London
to Lagos
“I send to three family members every month. The saved recipients and receipts make it effortless.”
“I use Velvet because I trust that my money will be delivered immediately I send it. My mom can testify 😃”
“I use Velvet frequently to send money to Nigeria and the delivery is always fast and onpoint.”
Your first send
is a tap away.
Download Velvet, verify in minutes, and send money home before the cake is out of the oven
Got questions?
We have answers
Velvet is an international money transfer app built by people who send money home too. We started Velvet because we were tired of apps that bury their real cost in bad exchange rates and call it "free". Every transfer shows you the exact rate and the exact amount your recipient will receive before you confirm anything. What you see on screen is what lands in their account. No transfer fees, no hidden charges, no surprises.
Download the app from the App Store or Google Play, enter your email, phone number and create a password. Next, you'll verify your identity: take a photo of your passport or UK driving licence, then a quick selfie so we can confirm it's really you. This usually takes under five minutes, and most people are verified within minutes of submitting. Occasionally it takes a bit longer if our systems need a manual check, in which case we'll email you.
A valid international passport or UK driving licence, with a clear photo. You'll also take a live selfie as part of the process. We don't currently accept other forms of ID.
You can open the app, create an account, and see live exchange rates without verifying. You cannot send your first transfer until verification is complete. The good news: verification is quick, and once it's done you won't need to repeat it for future transfers unless we ask for an update.
The minimum is £10 per transfer. Standard verified accounts can send up to £5,000 per transaction, with a rolling limit over any 30-day period.