FCA-authorised e-money institution · Licensed money transmitter
Every currency you use.
One app that keeps up.
Hold naira, dollars, pounds and euros in the GudMoney app, convert between them at the interbank rate, and send to 150+ countries, with the fee shown before you confirm, every time.
Download on the
App Store
GET IT ON
Google Play
No monthly fees on personal accounts · Funds safeguarded under UK e-money regulations
500,000+
Accounts opened
150+
Countries reachable
5
Currencies held natively
8s
Median transfer time
In the app
Send money like it’s a local transfer.
No branch visit, no three-day wait, no rate that quietly moves against you between confirmation and delivery.
Accounts
Five currencies, one home screen.
Open the app and every balance is right there — no switching between accounts or logging into a different bank for each currency.
Business
Run payouts from your pocket, approve from anywhere.
Dedicated account infrastructure for teams moving money at volume, with a companion web console for bulk uploads.
Security
Built the way a bank should be built.
256-bit encryption
Data is unreadable outside an authenticated session, in transit and at rest.
Real-time transaction monitoring
Anomalous transfers are held for verification before they settle.
Segregated customer funds
Balances sit in ring-fenced accounts, separate from company operating funds.
Device-bound authentication
Every sign-in is tied to a verified device and, where enabled, biometrics.
Why GudMoney
What a £1,000 transfer actually costs.
Compared against a typical high-street bank transfer and a legacy money-transfer app, all sending GBP to NGN.
| GudMoney | High-street bank | Legacy transfer app | |
|---|---|---|---|
| Exchange rate margin | 0% — mid-market rate | ~3.5% built into rate | ~1.2% built into rate |
| Transfer fee | ₦750 flat | £25 flat | £4.99 flat |
| Delivery time | Under 10 seconds | 2–4 business days | Minutes to hours |
| Fee shown before you send | Always | Rarely | Usually |
From people who use it
Money that moves the way people actually need it to.
“I send money to my mother in Enugu every month. What used to take three days and a chunk of the transfer now lands before I’ve closed the app.”
Ifeoma A.
Product Manager, London
“We moved supplier payments to GudMoney’s business account and cut our FX costs by about a third in the first quarter.”
Tunde B.
Founder, Lagos
“Zero monthly fees and it actually works on a patchy connection. That’s the whole pitch for me.”
Zainab K.
Postgraduate student, Manchester
Everything above lives in your pocket.
Free to download on iOS and Android. Verify your identity from your phone and start moving money the same day.
Download on the
App Store
GET IT ON
Google Play