New Now available in 12 African countries →

Send money across
Africa instantly.
No limits.

Kova lets you send, receive, and manage money across Africa in seconds — with real exchange rates, zero hidden fees, and bank-grade security.

Start Sending Free → See how it works ↓
app.kova.africa/dashboard
Dashboard
Send Money
Transactions
Exchange Rates
Settings
Total Balance
$4,820.50
↑ +2.4% this month
Sent This Month
$1,240.00
↑ 8 transactions
Received
+$680.00
↑ 3 transactions
Recent Transactions
AO
Amara Osei · Ghana
-$200.00
Done
FK
Fatou Kouyaté · Senegal
+$450.00
Done
CN
Chidi Nwosu · Nigeria
-$75.00
Pending
USD → NGN
₦1,580
↑ Live rate
USD → KES
KSh 129
↑ Live rate
USD → GHS
GH₵ 15.2
↑ Live rate
USD → ZAR
R18.40
↑ Live rate
Why Kova

Built for Africa.
Built for speed.

Everything you need to move money across borders without the traditional banking headache.

⚡
Instant Transfers
Money moves in seconds, not days. Real-time transfers across 12 countries with instant confirmation and delivery.
💱
Real Exchange Rates
We use the mid-market rate — the same one you see on Google. No markups, no tricks. Just honest rates every time.
🔒
Bank-Grade Security
256-bit encryption, 2FA, and real-time fraud monitoring. Your money is protected at every step of every transfer.
📱
Mobile First
Full-featured mobile app for iOS and Android. Send money, check rates, and manage your account from anywhere.
💳
Multi-Currency Wallet
Hold balances in NGN, KES, GHS, ZAR and USD simultaneously. Switch between currencies instantly with no conversion fee.
🤝
Business API
Integrate Kova into your platform with our developer-friendly API. Automate payroll, vendor payments and more.
Coverage

12 countries.
Growing fast.

Send and receive across the continent. More countries added every quarter.

🇳🇬Nigeria
🇬🇭Ghana
🇰🇪Kenya
🇿🇦South Africa
🇸🇳Senegal
🇺🇬Uganda
🇹🇿Tanzania
🇷🇼Rwanda
🇨🇮Côte d'Ivoire
🇪🇹Ethiopia
🇿🇲Zambia
🇲🇦Morocco
Loved by users

Real people.
Real transfers.

Join thousands of Africans already moving money smarter with Kova.

★★★★★
I send money to my family in Lagos every month. Kova is faster than any bank I've used and the rates are genuinely better. It's become my default.
KO
Kofi Owusu
Entrepreneur · Accra, Ghana
★★★★★
As a freelancer working with clients across Africa, Kova's multi-currency wallet changed everything. I get paid fast and convert when the rate is right.
AN
Amina Ndoye
UX Designer · Dakar, Senegal
★★★★★
We use the Kova API to pay our suppliers across 6 countries. What used to take days and endless bank visits now takes minutes. Absolute game changer.
TO
Tunde Olatunji
CEO, ShopNow Nigeria
Get started

Move money like
it's 2025.

Create your account in 2 minutes. No paperwork, no branch visits, no waiting. Just fast, fair money transfers across Africa.

Create Free Account →