harrenaflowThe international transfer built for Africa
Pay with MoMo or local bank rails. Send abroad with a rate and fee you see before you confirm.
- Lightning fast — money typically moves after funding clears
- Predictable — lock in your rate before you send
- Transparent fees — no surprises on the receipt
You send exactly
Pay with MoMo, bank transfer, cards, and more in NGN.
Recipient gets
Fee and rate locked when you create a transfer
Clear rates
See the conversion before you fund.
Local pay-in
MoMo, bank, cards, USSD, NQR.
Live tracking
Funded → paying out → completed.
How to send money abroad
Three steps. Fees upfront. Local funding where you are.
01
Enter how much you want to send
Fund with MoMo in Uganda or Rwanda — or pay in Nigeria with bank transfer, cards, USSD, and NQR.
02
Choose your recipient
Add bank details once for USD, EUR, GBP, TRY, KES, GHS, UGX, or TZS. Reuse them anytime.
03
Send — they get local currency
Your recipient is paid into a local account. Track every step to a clear receipt.
Fund with local rails
Not naira-only. Pay the way people actually pay across Africa.
Mobile money
MTN and Airtel where supported.
Nigerian rails
Bank transfer, USSD, NQR, and cards.
Cards & more
Local and international cards, Apple Pay where available.
Send money where it matters
Africa out, world in. Pick a destination — we show the rate before you confirm.
How we keep your money safe
Every transfer is protected with encryption and verified payment events. We run checks so fraud doesn’t ride along.
Safeguarded funding
We only advance payout after your pay-in is confirmed.
Built-in security
Encrypted sessions, signed webhooks, and verification for larger amounts.
Your money, not ours
Failed funded transfers are refunded. Receipts keep a clear audit trail.
Money transfer FAQs
Who can I send money to?+
Anyone with a supported bank account in the USA, UK, Eurozone, Turkey, Kenya, Ghana, Uganda, or Tanzania. More destinations as we expand.
How do I pay for a transfer?+
Pay with Nigerian bank transfer, USSD, NQR, cards, or mobile money where supported.
What information do I need about my recipient?+
Usually their full name, bank name, account number (or IBAN), and routing or SWIFT details for the corridor you choose.
How much can I send abroad?+
Each corridor has min/max limits. Your quote checks them before you fund. Larger amounts may require identity verification.
How long does a transfer take?+
After your pay-in clears, payouts typically complete within minutes to one business day depending on the destination bank.
Is my money safe if a transfer fails?+
Funded transfers that fail are refunded. Every transfer has a receipt and status timeline you can share.
harrenaflowYour money, moving without borders
HarrenaFlow is a fairer way for Africans to send money worldwide — with local funding and receipts you can trust.