Tiki is a cross-border money transfer app built for the African diaspora. It lets you send money from the UK and Canada to Nigeria and The Gambia at the real exchange rate, with no transfer fee and no spread hidden in the conversion.

Anyone aged 18 or over who is resident in a market we serve. Today that means the United Kingdom, Canada and Nigeria. You will need a valid government ID and proof of address to complete verification.

How do I create an account?

Download Tiki from the App Store or Google Play, enter your phone number, and complete a short ID check. Most people are verified in under two minutes and can send their first transfer straight away.

Yes. Tiki is operated by AfrikMoney Limited, registered by the FCA as a Small Payments Institution in the UK, and is part of CapitalSage Vantage Limited, which is licensed by the CBN in Nigeria, the CBG in The Gambia, and registered with FINTRAC as a Money Services Business in Canada. Customer funds are safeguarded and never used for lending.

NewNigeria and The Gambia, one app

Money that moves
at your pace.

Receive from the UK and Canada, hold multiple currencies, and access it as soon as it lands.

Download App See today's rate

Transfer fee: ₦0 transfer fee
Regulator: CBN licensed
Speed: Arrives in minutes

You send

They receive

5.1

Processing fee: ₦0.00
Amount we are converting: ₦100
Exchange rate: ₦1.00 = D0.051034
Estimated completion time: 5 mins

Indicative rate, updated every 5 minutes. Your final rate is locked in the app.

Chidi just sent £150 to Abuja4 mins ago
Fatou just sent £50 to Banjul4 mins ago
Amara just sent £200 to Abuja4 mins ago
Ousman just sent $120 to Serrekunda4 mins ago
Blessing just sent £75 to Lagos4 mins ago
Ebrima just sent £300 to Brikama4 mins ago
Chidi just sent £150 to Abuja4 mins ago
Fatou just sent £50 to Banjul4 mins ago
Amara just sent £200 to Abuja4 mins ago
Ousman just sent $120 to Serrekunda4 mins ago
Blessing just sent £75 to Lagos4 mins ago
Ebrima just sent £300 to Brikama4 mins ago

Transfers today: 12,480+
Avg. delivery: 34 seconds
Transfer fees: Zero
App Store rating: 4.9 ★

Why Tiki

More money home. Every time.

Rates you can see, before you send

No guessing, no hidden spread. The number on the calculator is the number your family receives.

Live mid-market rate
No markup
Rate locked at confirm

Nothing hidden

Our fee is ₦0. The rate you see is the rate your family gets. No markup buried in the conversion. No small print.

hidden fees: ₦0
spread added: 0%

Two friends checking a completed Tiki transfer on a phone

Sent in seconds

Confirmations land before you close the app.

Made for Nigeria, not adapted for it

Every feature here was designed around how you actually receive, not adapted from another market.

Local payout rails
Names your family recognises
Support in your language

The people it reaches

Every transfer lands with someone who was waiting for it.

Regulated everywhere you send

CBN licensed in Nigeria. FCA in the UK. CBG in The Gambia. FINTRAC in Canada. Your money is protected at every step of the journey.

regulators: 5
safeguarded: 100%

How it works

Just few quick steps, and you're all set.

Download the app
Available on iOS and Android. Free. Takes 30 seconds.
Verify your ID
A quick ID check required by the regulator. Usually done in under 2 minutes.
Send money home
Enter your amount, confirm the rate, authorise with your PIN. Your family gets a notification in minutes.

Founding members

Join as a Nigerian Founding Member.
Get first access to everything we build

The first members of Tiki in Nigeria get Founding Member status. Earn points on every transfer, get first access to new features, and help us build for the corridor you use most.

Open across
United Kingdom
Canada
Nigeria

Join as a Founding Member Get your referral link

Real senders

Real families. Real results.

“My mum got the alert before I even left the app. Best experience so far.”
FatouManchester
“I compared the rate against three other apps. Tiki was the only one that gave me exactly what the calculator promised.”
ChidiLondon
“Sending to Abuja used to be a whole evening's work. Now it takes about a minute and I get a receipt straight away.”
AmaraBirmingham
“Cash pickup in Basse worked exactly as described. My father collected the same afternoon.”
OusmanToronto
“No fee, no hidden spread, and support answered me at 11pm in Pidgin. That's rare.”
BlessingReading
“Verification took two minutes. I sent money home the same night I downloaded it.”
EbrimaLeeds