Sendwave — review & details
Zero-fee, margin-priced app sending straight to M-Pesa — consistently competitive for smaller family remittances, built for diaspora corridors.
Zero fee
Sendwave
★★★★☆
No flat fee; the cost is in the exchange-rate margin
Pricing
Direct to M-Pesa
Payout
Minutes
Speed
Free to receive
Receiving Cost
inbound
Direction
Pros
- No flat fee, fast, wallet-native
- Direct to M-Pesa — recipient needs no account
- Good for recurring small amounts
Cons
- The margin is the price — compare shillings received
- Fewer payout options than the big networks
How Sendwave compares in money transfer & remittance
| Sendwave | Wise | Remitly | |
|---|---|---|---|
| Pricing | No flat fee; the cost is in the exchange-rate margin | Mid-market rate + transparent fee, ~0.5–1% all-in | Express small flat fee; Economy free — cost sits in a ~1–3.7% margin |
| Payout | Direct to M-Pesa | Direct to M-Pesa, or bank account | M-Pesa, Airtel Money, bank accounts |
| Speed | Minutes | M-Pesa often in minutes; bank 1–2 working days | Express: minutes. Economy: 1–3 business days |
| Receiving Cost | Free to receive | Free to receive; M-Pesa withdrawal fees only if cashing out | Free to receive |
| Visit Sendwave → | Visit Wise → | Visit Remitly → |
← Compare all money transfer & remittance
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