WI
Wise
Mid-market FX, transparent fees. UK, US, EU, AU, CA.
Visit WiseLive-tested July 2026
TapTap Send fees: zero flat + 0.8-1.2% FX margin
TapTap Send uses a pure FX-margin pricing model. Zero flat fee, all costs embedded in the exchange rate. Compared to competitors that also do FX-margin pricing (Sendwave, NALA), TapTap sits mid-pack on US corridors and near the front on EU corridors.
Worked examples (July 2026)
| Corridor | Amount | FX used | KES delivered | All-in % |
|---|---|---|---|---|
| US | $100 | 127.17 (vs 128.99) | KES 12,717 | 1.80% |
| US | $500 | 127.17 | KES 63,585 | 1.40% |
| UK | £100 | 168.85 (vs 170.90) | KES 16,885 | 1.20% |
| EU | €100 | 138.50 (vs 139.75) | KES 13,850 | 0.90% |
EU is TapTap Send's cheapest corridor thanks to broader EU rail investment. On EU sends TapTap Send is often the cheapest option in the market.
Compare live
TapTap Send ranked alongside Wise, Sendwave, Remitly, and NALA at today's live rates.
Live comparison
Wise is fetched live; other providers update from our quarterly verification cycle. Rankings refresh as you change the amount.
Currency: US Dollar
Cheapest right now
NALA delivers KES 12,769
Total cost: 1.40% of the send
| Provider | Net to M-PESA | vs cheapest | Total cost | Verified | |
|---|---|---|---|---|---|
1 NALA minutes | KES 12,769 | - | 1.40% | 4mo ago | |
2 Sendwave minutes | KES 12,756 | -KES 13 | 1.50% | 4mo ago | |
3 LemFi minutes | KES 12,756 | -KES 13 | 1.50% | 4mo ago | |
4 Remitly same day | KES 12,717 | -KES 52 | 1.80% | 4mo ago | |
5 TapTap Send minutes | KES 12,717 | -KES 52 | 1.80% | 4mo ago | |
6 Wise minutes | KES 12,713 | -KES 55 | 1.83% | 3mo ago | |
7 WorldRemit minutes | KES 12,312 | -KES 457 | 4.93% | 4mo ago | |
8 Western Union minutes | KES 11,996 | -KES 772 | 7.37% | 4mo ago | |
9 PayPal (Xoom) minutes | KES 11,731 | -KES 1,038 | 9.41% | 4mo ago |
NALA: East Africa specialist. Often cheapest on Tanzania, Uganda, Kenya corridors.
Sendwave: Zero flat fee, ~1.5% FX margin. Wins on small sends under $200.
LemFi: Strong UK and Canada corridor pricing. Often beats Wise on UK to KES small sends.
Remitly: Express (faster, more expensive) vs Economy (1-2 days, cheaper). We model Economy.
TapTap Send: Zero flat fee, FX margin around 1.8%. Wide EU coverage.
Wise: Mid-market FX + small fixed fee + 0.43% variable. Tightest FX margin in the market. (Live API unreachable, fallback model.)
WorldRemit: Fixed transfer fee + ~2% FX margin. Broadest country coverage.
Western Union: Online (web/app) flat fee + ~2.5% margin. Agent cash costs more.
PayPal (Xoom): PayPal commercial fee + ~3.5% FX + 1.5% on-arrival cut. Structurally expensive.
Comparison engine ranks providers by net KES delivered (descending). Wise is fetched live from the public quote API; other providers reflect our quarterly verification. For a binding quote, open the provider directly. Affiliate links may earn paybillke a commission at no cost to you.
TapTap Send fees vs the alternatives
- vs Sendwave (US): Sendwave $0.49 + ~1% FX = 1.50% all-in on $100. TapTap $0 + ~1.8% FX = 1.80%. Sendwave slightly cheaper on US.
- vs Sendwave (EU): TapTap wins by 0.2-0.5 pp on EU corridors thanks to broader EU rail coverage.
- vs Wise: TapTap cheaper under $200; Wise wins above $300.
- vs NALA: Comparable on US corridors, NALA slightly tighter on East Africa specialty routes.
Compare remittance
Try TapTap Send
Best value on EU corridors, competitive on US and UK.
SW
Sendwave
Diaspora-Africa specialist. Often cheapest under $200.
Visit SendwaveLF
Lemfi
Strong UK-Kenya corridor, mobile-first app.
Visit LemfiWR
WorldRemit
Wider receive options including bank deposit and cash pickup.
Visit WorldRemitRE
Remitly
US-focused remittance with promotional FX for first transfers.
Visit RemitlyWU
Western Union
Legacy provider with the widest cash-pickup network for non-M-PESA family.
Visit Western UnionTT
TapTap Send
Africa-focused mobile app with fee-free transfers on many corridors.
Visit TapTap SendNL
NALA
East-Africa-focused app with strong UK and US corridor coverage.
Visit NALAMG
MoneyGram
Global legacy provider with deep cash-pickup network across Kenya.
Visit MoneyGramRM
Ria Money Transfer
Cash + digital, Walmart and many US retailers as sending points.
Visit Ria Money TransferCC
Chipper Cash
Pan-African app, originally peer-to-peer across Africa, now with diaspora sends.
Visit Chipper CashSK
Skrill
E-wallet first, used for international transfers and online betting payouts.
Visit SkrillSV
Sendvalu
Germany-based, EU-to-Africa corridors with cash-pickup partner network.
Visit SendvaluFAQ
Is TapTap Send really free?
Zero flat fee, yes. TapTap Send makes its money on the FX margin baked into the exchange rate (0.8-1.2% below mid-market). Total cost on a $100 US-Kenya send is about $1.80 all-in, competitive with Sendwave.
How does the FX margin work?
If mid-market is 128.99 KES/USD, TapTap might show you 126.70-127.75 depending on corridor and amount. That gap of 1.24-2.29 KES/USD is the margin. On $100 it works out to $1-1.80 all-in cost, on $500 to $6-9.
Do fees vary by sending country?
Yes. US-Kenya has slightly wider margins (~1.8% on $100) than EU-Kenya (~0.9% on €100). This reflects TapTap's stronger EU rail investment. UK sits between at ~1.2%.
Which funding methods are cheapest?
All accepted funding methods have the same total cost because TapTap embeds all fees in the FX rate. US: debit card. UK: FPS or debit. EU: SEPA. Canada: Interac or debit. No credit-card option, which is what keeps the model economically viable.
How does TapTap compare to Sendwave on fees?
On US corridors: Sendwave $0.49 flat + ~1% margin = 1.50% all-in; TapTap $0 + ~1.8% margin = 1.80% all-in. Sendwave slightly cheaper on US. On EU corridors: TapTap typically wins by 0.2-0.5 pp.
Are there any hidden fees?
No. TapTap shows the delivered KES on the confirmation screen with no on-arrival deductions. The recipient gets exactly the KES amount TapTap quotes.
TapTap Send
Africa-focused mobile app with fee-free transfers on many corridors.