What Is TapTap Send?
TapTap Send is a mobile money transfer app designed specifically for sending money from the UK (and other countries) to Africa. Founded in 2018, the app has carved out a strong reputation by offering zero fees on every transfer and competitive exchange rates.
The app supports sending from the UK to Nigeria, Ghana, and Kenya — three of the biggest remittance corridors from the UK. But does zero fees actually mean you're getting the best deal? Let's break it down.
How TapTap Send Works
The app is available on iOS and Android. Here's how it works:
- Download and sign up — create an account with your email
- Verify your identity — upload a UK ID and take a selfie
- Add a recipient — enter their mobile number or bank details
- Choose an amount — see the exact rate and what they'll receive
- Pay by bank transfer — TapTap Send generates a bank transfer reference
- Money arrives instantly — usually within seconds
The process is extremely simple. TapTap Send has stripped away complexity to make transfers as fast as possible.
Exchange Rates
TapTap Send doesn't charge fees, but they do make money through the exchange rate. The rate typically includes a margin of around 0.8% above the mid-market rate. This is relatively competitive compared to most providers.
How does this compare in practice? On a £500 transfer to Nigeria:
- TapTap Send: ~₦920,000 (zero fees, rate includes margin)
- Wise: ~₦911,000 (after 0.4% fee, near mid-market rate)
- WorldRemit: ~₦895,000 (£1.99 fee + 1.5% margin)
The actual amounts change daily, so always check AfriLoop's comparison tool for today's rates.
Supported Corridors
TapTap Send currently supports three African corridors from the UK:
- Nigeria (NGN) — bank transfer
- Ghana (GHS) — bank transfer and mobile money
- Kenya (KES) — mobile money (M-Pesa)
This is more limited than WorldRemit (which covers 5+ African countries) or Wise (which covers most of Africa). If you need to send to South Africa or Zimbabwe, TapTap Send won't work for you — try AfriLoop's comparison tool for South Africa or Zimbabwe instead.
Delivery Speed
TapTap Send is fast. Transfers to all three corridors typically arrive within seconds to minutes. In our testing:
- Nigeria: Instant to bank account
- Ghana: Instant to bank account or MTN MoMo
- Kenya: Instant to M-Pesa
This makes TapTap Send one of the fastest options available, on par with LemFi and Sendwave.
Delivery Methods
- Nigeria: Bank transfer only
- Ghana: Bank transfer + mobile money (MTN MoMo)
- Kenya: Mobile money (M-Pesa) only
The Kenya corridor is M-Pesa only, which is actually ideal since M-Pesa is by far the most common way to receive money in Kenya. For Ghana, the mobile money option is a nice addition.
If you need cash pickup, TapTap Send doesn't offer it. WorldRemit or Remitly would be better options for that.
Pros
- Genuinely zero fees — no flat fee, no percentage fee, no hidden charges
- Competitive exchange rates — margin is lower than most competitors
- Instant delivery — money arrives in seconds
- Dead simple app — designed for speed and simplicity
- FCA regulated — safe and compliant
- No minimum transfer — send any amount
Cons
- Limited corridors — only Nigeria, Ghana, and Kenya from the UK
- App only — no web/desktop version
- Bank transfer payment only — no debit/credit card option
- No cash pickup — bank and mobile money only
- Limited delivery methods per country
- No multi-currency account — transfer only, no wallet features
TapTap Send vs LemFi
This is the comparison most people want to know about. Both charge zero fees and both offer instant delivery to Nigeria. The difference comes down to the exchange rate on any given day.
In our tracking, LemFi and TapTap Send trade the top spot regularly. Some days LemFi is better, some days TapTap Send wins. The difference is usually small — within 0.5% of each other.
Our recommendation: Check both daily using AfriLoop and use whichever is cheaper that day.
TapTap Send vs Wise
Wise charges a fee but gives you the mid-market rate. TapTap Send charges no fee but includes a margin. For Nigeria, TapTap Send usually works out cheaper overall. For larger transfers (£2,000+), Wise can sometimes be more competitive.
Is TapTap Send Safe?
Yes. TapTap Send is authorised by the Financial Conduct Authority (FCA) as an Authorised Payment Institution. Your money is safeguarded in line with UK payment regulations.
The app uses strong encryption and requires identity verification before you can send money, complying with anti-money laundering regulations.
Who Is TapTap Send Best For?
Ideal for:
- Regular senders to Nigeria, Ghana, or Kenya
- People who want zero-fee simplicity
- M-Pesa users in Kenya
- Mobile money users in Ghana
Not ideal for:
- Senders to South Africa, Zimbabwe, or other countries
- People who need cash pickup
- Desktop users who prefer a web interface
- Large business transfers
The Verdict
TapTap Send delivers on its promise: genuinely zero fees with competitive exchange rates and instant delivery. For its supported corridors (Nigeria, Ghana, Kenya), it's consistently one of the top 2-3 cheapest options.
The main limitation is coverage — if you need to send to countries outside those three, you'll need another provider.
See How TapTap Send Compares Today
Check TapTap Send's live rate against every other provider on AfriLoop:
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