Sending money home from Europe should be simple. You shouldn’t have to top up a wallet, wait for funds to clear, then send. With Zobo, you don’t.
This guide walks you through how to send money to Africa from Europe directly from your card, Apple Pay, Google Pay, or bank account, so the people you love receive the full amount, fast.
How do I send money to Africa from Europe?
To send money to Africa from Europe with Zobo, open the app, choose your recipient, and enter the amount you want to send. Pick how you want to pay: debit card, Apple Pay, or directly from your bank then confirm. The money reaches your recipient in their local currency, often within minutes, with no transaction fees and a competitive exchange rate you see before you send.
Which African countries can I send money to?
From Europe, you can send money to:
- Nigeria (NGN)
- Ghana (GHS)
- Cameroon (XAF)
- Ivory Coast (XOF)
- Senegal (XOF)
Whether your family receives into a bank account or a mobile money wallet, Zobo delivers in their local currency so there’s nothing lost in conversion on their end.
How to send money to Africa from Europe, step by step
1. Download Zobo and open your account. If you’re new, you’ll create your account and verify your identity first. Our guide on how to open a Zobo account walks through the whole sign-up in a few minutes.
2. Add the person you’re sending to. Save your recipient’s details once and they’re stored for every future transfer. Here’s how to add a recipient on Zobo, whether they receive by bank transfer or mobile money.
3. Choose how you want to pay. This is where sending from Europe just got easier. You can now pay directly with your:
- Debit card
- Apple Pay
- Bank account
You send straight from your chosen method to your recipient.
4. Enter the amount and check the rate. Type in how much you want to send. You’ll see the exact exchange rate and the amount your recipient will get before you confirm, so there are no surprises.
5. Confirm and send. Approve the transfer, and your money is on its way. Most transfers arrive quickly, often within minutes.
How to pay directly from your bank account
Paying straight from your bank is one of the easiest ways to send. Here’s how it works:
- Enter the amount you want to send and confirm your recipient.
- Tap Payment method and choose Pay with bank, then tap Proceed.
- Select your bank from the list. You’ll be redirected to your bank to approve the payment.
- Once approved, it reflects in your Zobo app and your recipient receives the money.
How much does it cost to send money to Africa from Europe?
With Zobo, there are no transaction fees on your transfer. You get a competitive exchange rate that’s shown to you upfront, before you confirm anything. What you see is what your recipient gets, so you can send with confidence that the full amount lands where it’s meant to.
Do I still need to top up my wallet?
You can now send money to Africa directly from your debit card, Apple Pay, or bank account. If you prefer using your wallet, that option is still available, but it’s not the only funding option available to complete your transfers.
Frequently asked questions
How long does a transfer from Europe to Africa take? Most transfers arrive quickly, often within minutes, depending on the destination and delivery method.
Can I send to a mobile money wallet? Yes. You can send to both bank accounts and mobile money wallets, depending on what your recipient prefers.
What do I need to start sending? A verified Zobo account, your recipient’s details, and a payment method: your card, Apple Pay, or bank account.
Is there a fee to send money to Africa from Europe? There are no transaction fees.
What’s the cheapest way to send money home? All payment methods Zobo offers are cheap. There are zero charges on transaction fees when sending money home with Zobo money. We have the best rates, and get the full amount delivered to your recipient.
Ready to send money home?
Sending money to Africa from Europe has never been more straightforward. Open Zobo, choose how you want to pay, and send the full amount home in minutes.
Download Zobo and send money home today →
Last modified: July 24, 2026
