Sendwave Review 2026
A Zepz brand (the WorldRemit group) sending to Africa, with mobile wallet payouts in Kenya and Ghana.
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CAD →NGN
Amount: 100 CAD · 8 providers compared
Remitbee
🎁 New User Rate1,008.25 NGN/CADRecipient gets
95,825.05
NGN
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Sendwave Overview
Sendwave is a brand of Zepz, the WorldRemit group. CheckRate tracks it from Canada, the UK, the US and Europe to Nigeria, Ghana, Kenya, South Africa and Sierra Leone, plus Canada to the Central African CFA franc. Most routes showed no transfer fee in our records; a few, such as US dollars to Sierra Leone, showed a small fee.
In our records Sendwave had the highest standard rate on most days for US dollars to Kenyan shillings (65 of 75 days) and to leones (73 of 75). For Nigeria it pays to bank accounts and offers cash pickup at Access, Zenith and Fidelity Bank, but lists no mobile wallets. In 2023 the US Consumer Financial Protection Bureau ordered Sendwave's former US company to pay redress and a penalty.
Founded
2014
Speed
Not measured by CheckRate; the app shows an estimate before you pay
Fee model
No transfer fee on most routes in CheckRate's records
Is Sendwave Safe? Regulation & Trust
What we found on the regulators' own registers (checked 9 to 11 October 2026). Registration is not deposit insurance.
- Canada: WorldRemit Inc., FINTRAC M11556765, on the Bank of Canada PSP register
- UK: WorldRemit Ltd, which also trades as SendWave, FCA FRN 900891 (authorised e-money institution)
- US: WorldRemit Corp., which trades as Sendwave, NMLS 1179663, 54 active state licences
Sendwave Pros and Cons
Pros
- Highest standard rate on 73 of 75 days for USD to SLE in CheckRate's records (13 June to 11 October 2026)
- Highest on 65 of 75 days for USD to KES and 49 of 75 for GBP to KES
- Pays to mobile wallets in Ghana and Kenya
- Registered in Canada, authorised in the UK and 54 active US state licences
Cons
- No mobile wallets for Nigeria; bank deposit and cash pickup only
- An MTN Ghana wallet can hold only up to 10,000 cedis at one time
- Rarely led on GBP to NGN: highest on 3 of 75 days, lowest on 17
- CFPB order (October 2023) against Sendwave's former US company over how it described transfer speed and cost
Sendwave: Supported Corridors
The sending and destination currencies CheckRate tracks for Sendwave. Not every pair is available; each corridor page shows which providers have a rate today.
Frequently Asked Questions about Sendwave
Does Sendwave pay to OPay or PalmPay in Nigeria?
No. Sendwave's Nigeria page lists bank deposit to naira accounts and cash pickup at Access, Zenith and Fidelity Bank, with no mobile wallets. It also says US dollar remittances to Nigeria, including to domiciliary accounts, are no longer permitted, so recipients get naira.
Is Sendwave part of Wave?
No. Sendwave is a brand of Zepz, the WorldRemit group. In the UK it operates under WorldRemit Ltd (FCA FRN 900891), in Canada under WorldRemit Inc. (FINTRAC M11556765) and in the US under WorldRemit Corp. (NMLS 1179663).
Does Sendwave charge a transfer fee?
On most routes its rates showed no separate fee in CheckRate's records; a few showed a small one, for example 1.99 US dollars from the US to Sierra Leone in our latest records. The cost is mainly in the exchange rate, so compare the estimated amount received.
What was the CFPB order against Sendwave?
On 17 October 2023 the US Consumer Financial Protection Bureau ordered Chime, Inc. d/b/a Sendwave, Sendwave's former US company, to pay about USD 1.5 million in redress and a USD 1.5 million penalty for misrepresenting transfer speed and cost and other failures.
Compare Sendwave Against Others
This review is produced by the CheckRate editorial team and updated regularly. Rates shown are fetched from Sendwave's platform and are for comparison purposes only, they are not guaranteed and may differ at the time of transfer. CheckRate is not paid by Sendwave or any other provider, and our links go to their public websites. See our rate methodology for details.