Flutterwave review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Flutterwave suits people sending money home who want money to land fast: transfers are processed instantly as soon as payment is confirmed. The Send App charges £0 and pays out to bank, cash pickup and wallet, with the company licensed in Nigeria, Canada, Lithuania and the UK.
Key facts
- Best for
- Free, instant sends to bank, wallet and cash pickup recipients.
- Transfer fee
- Free, flat transfer fee on Send App↗
- Delivery time
- Instant, transfers processed instantly once payment is confirmed↗
- Payout methods
- Bank, Cash-pickup, Wallet↗
- Currencies
- from 30↗
- Fee to send 1,000
- £0↗
- Legal entity
- Flutterwave Technology Solutions Limited↗
- Headquarters
- United States↗
- Founded
- 2016↗
- Support channels
- Email, Phone, Help-centre, Community↗
- Official website
- flutterwave.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- LinkedInXapps.apple.com
Pros and cons
Pros
- Transfers are processed instantly as soon as payment is confirmed, so speed is the main draw.
- Payouts cover bank, cash pickup and wallet, giving recipients several ways to be paid.
- Support runs on email, phone and help centre, including phone and email.
- Regulation in Nigeria, Canada, Lithuania and the UK, with a FINTRAC registration BC1260570 and a Bank of Lithuania electronic money licence 304696889 for Send App services.
Cons
- Send App payment services in Europe come from an electronic money institution that provides them via UAB ConnectPay, 304696889, so the payment counterparty sits outside the brand itself.
- Help is offered on email, phone and help centre, and live chat is not one of the listed options.
- Skrill is free by bank transfer and Paysera is free in euro to SEPA and Paysera users, so rivals can undercut on some corridors.
Who it suits
- People sending money to family abroad who want a free, instant transfer.
- Recipients paid through bank, cash pickup and wallet, including those who would rather collect cash in person.
- Businesses paying suppliers who want a named legal entity in the terms, Flutterwave Technology Solutions Limited.
Who should look elsewhere
- Skrill, if you fund by card and want a percentage rate shown for each payment method.
- Paysera, if you mostly send euro to SEPA recipients and prefer a per-transfer charge after a set allowance.
- PayPal Colombia, if you want to send straight from a PayPal balance or a linked bank account at no fee.
The company behind it
Flutterwave is run as Flutterwave Technology Solutions Limited, founded in 2016 and headquartered in the US. Its Send App payment services are authorised as an electronic money institution by the Bank of Lithuania, 304696889, and it holds a FINTRAC money service business registration in Canada, BC1260570. Help runs on email, phone and help centre.
How Flutterwave compares
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9.1 vs 9.0
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9.1 vs 8.8
9.1 vs 8.8
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9.1 vs 8.0
Where Flutterwave is available
- Available
- Austria, Belgium, Cameroon, Canada, Côte d'Ivoire, Cyprus, Estonia, Ethiopia, Finland, France, Germany, Ghana, Greece, Ireland, Italy, Kenya, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Nigeria, Portugal, Senegal, Slovakia, Slovenia, South Africa, Spain, United Kingdom, United States
- Licence in Nigeria
- Central Bank of Nigeria, checked September 26, 2026
- Licence in Nigeria
- Central Bank of Nigeria (national microlender licence, reported April 2026), checked September 26, 2026
- Licence in Canada
- FINTRAC (Money Service Business) (BC1260570), checked September 26, 2026
- Licence in United Kingdom
- Financial Conduct Authority (Flutterwave UK Limited is a registered PSD agent of Global Remit Financial Services Limited, an Authorised Payment Institution), checked September 26, 2026
- Licence in Lithuania
- Bank of Lithuania (Electronic Money Institution providing Send App payment services via UAB ConnectPay) (304696889), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does a Flutterwave transfer cost?+
The Send App has a Free, flat transfer fee on Send App, and the fee amount stands at £0, so the send itself is free. Payouts run through bank, cash pickup and wallet, and the recipient channel is picked separately from the price.
How fast does a Flutterwave transfer arrive?+
Transfers are processed instantly as soon as payment is confirmed, so the timing sits with the payout route rather than the service. Recipients are paid through bank, cash pickup and wallet, and cash pickup asks the recipient to collect in person.
Is Flutterwave regulated?+
In several markets, yes. Send App payment services are authorised as an electronic money institution by the Bank of Lithuania, 304696889, and the company holds a FINTRAC money service business registration in Canada, BC1260570. The parent company sits in the US.
How does the recipient get the money?+
Payouts run through bank, cash pickup and wallet, so the recipient can be paid into a bank account, a mobile wallet or a cash pickup point. The send itself is Free, flat transfer fee on Send App, and the channel does not change the price.
How do I reach Flutterwave support?+
Support runs on email, phone and help centre. Phone and email reach a person directly, the help centre covers common questions on sending and payouts, and the community serves other users. Queries are handled by Flutterwave Technology Solutions Limited, the company named in the terms.
How many currencies does Flutterwave handle?+
The service covers from 30 currencies, and that list is the practical limit on where a send can land. Coverage depends on the licences listed in Nigeria, Canada, Lithuania and the UK, so check a corridor before you send.
How do the fees compare with PayPal Colombia, Skrill and Paysera?+
Flutterwave charges Free, flat transfer fee on Send App on the Send App. PayPal Colombia takes no fee from a PayPal balance or a linked bank account, then adds a percentage and a fixed amount on international sends. Skrill is free by bank transfer and dearer on cards, while Paysera is free in euro to SEPA and Paysera users.
Sources
- en.wikipedia.org/wiki/Flutterwave checked September 26, 2026
Backs: Founded, Headquarters
“Founded 2016”
- flutterwave.com/ng/pricing checked September 26, 2026
Backs: Currencies
“30+ Currencies - We accept payments in more than thirty currencies.”
- flutterwave.com/ng/terms checked September 26, 2026
Backs: Legal entity, Support channels
“We are Flutterwave Technology Solutions Limited; a company registered under the laws of the Federal Republic of Nigeria. Our registered office is at 8, Providence Street, Lekki Phase 1, Lagos.”
- send.flutterwave.com checked September 26, 2026
Backs: Delivery time, Payout methods, Transfer fee, Fee to send 1,000, Licences
“Send App enables you to transfer money instantly!”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Exchange rate markup, Licence type.