London → Nairobi · Monthly Remittance
Amina is a nurse.
She sends money home.
She has two apps on her phone — but she can only use one to send this month's money. Look at each pitch, then pick the one you'd choose.
This month she sends:
SendFree
£0
transfer fee
No fees. No surprises. Ever.
You send
£500.00
Transfer fee
£0.00
Exchange rate
1 GBP = 173.700 KES
Mother receives
▮▮,▮▮▮ KES
revealed after you choose
TransferGo
Real
market rate
Small upfront fee. The real exchange rate.
You send
£500.00
Transfer fee
£7.15
Exchange rate
1 GBP = 175.375 KES
Mother receives
▮▮,▮▮▮ KES
revealed after you choose
↑ Tap TransferGo to see her other option, then pick one.
Processing Transfer...
The real comparison
Both apps shortchanged mother.
Just in different ways.
At the real market rate, mother should receive
87,688 KES
SendFree
86,850 KES
Lost to a weaker exchange rate than the market —
SendFree quotes 173.700, the real rate is
175.375.
TransferGo
86,434 KES
Lost to an upfront transfer fee of
£7.15 — shown honestly before sending.
Watch what happens at a bigger transfer.
Mother's salary, a school fee, a hospital bill.
See the breakdown — fees, rates, real total cost ▾
SendFree
Mother receives—
Transfer fee£0.00
Hidden FX margin—
Real total cost—
TransferGo
Mother receives—
Transfer fee—
Hidden FX margin£0.00
Real total cost—
"Hidden FX margin" is the gap between the rate SendFree gives you and the rate the market actually offers. You never see it on the receipt — but mother does, in the smaller amount that arrives.