Products
One app. Every way to move money.
From sending cash home to running payroll for a growing business — here's everything GudMoney does, and how it actually works.
150+
Countries reachable
5
Currencies held natively
8s
Median transfer time
₦0
Monthly account fee
Transfers
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.
Multi-currency wallets
Hold what you earn. Convert only when it counts.
Every wallet is a real balance, not a placeholder — money sits in the currency you received it in until you choose to move it.
Payments
Every recurring payment, handled in one place.
Airtime, data, electricity and cable in Nigeria. Energy, broadband and council tax in the UK. One receipt, every time.
Business
Run payroll and payouts without the spreadsheet.
Dedicated account infrastructure for teams moving money at volume, with a companion web console for bulk uploads.
Also available
More from GudMoney
Financial services beyond day-to-day spending, built into the same app.
Phone number banking
Open a full account in under two minutes using just your phone number. No paperwork, no branch visit.
Agricultural loans
Use farm produce or livestock as collateral to unlock working capital between harvests.
Insurance
Life, health and business cover, arranged through licensed underwriting partners.
Bonds & investments
Access government bonds and structured savings products, starting from ₦10,000.
Pricing
What things cost.
No subscription tiers, no surprise line items — this is the full fee schedule for a personal account.
| Monthly account fee | ₦0 |
| International transfer fee | From ₦750 flat |
| Currency conversion | 0.5% of amount converted |
| Virtual card issuance | Free |
| Physical card issuance | ₦2,500 one-time |
| ATM withdrawals (NGN) | Free up to ₦100,000/month, 1.5% after |
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