Frequently asked questions

We thought about some questions you may have and… here goes

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Nigeria’s Independence Day (EUR) Campaign

Welcome to the Nigeria’s Independence Day (EUR) Campaign information page

Back to Campus

Welcome to the Back to Campus Campaign information pageHere you'll find the Frequently Asked Questions and the official Terms & Conditions to help you understand how the promotion works

Pesa at 5 Rent Support

Home Is Still Home Campaign

Here you'll find the Frequently Asked Questions and the official Terms & Conditions to help you understand how the promotion works

Refer & Earn, Canada

Refer 5 people to send money to Cameroon or Ivory Coast and earn $150 CAD bonus.

Refer and earn Ghana campaign

Refer 5 friends to send money to Ghana and earn £100

Refer and earn Uk campaign

Here you'll find the Frequently Asked Questions and the official Terms & Conditions to help you understand how Refer & Earn Campaign: Refer 5, Get £100 works

Double Your Send, Nigeria

Send money with Pesa from Nigeria to Canada, United States, the UK or Ghana and stand a chance to win double your transfer amount.

The Pesa World Cup Final – Predict and Win (Open Edition)

Welcome to the Pesa World Cup Final – Predict and Win (Open Edition) campaign information page.

The Pesa Payday Special

This is the Pesa Payday offer with a twist. Send money internationally with Pesa from Friday 28 August, 2026 to Sunday 30, August 2026, and enjoy a boosted rate. Every qualifying transfer you make this weekend will also be automatically entered into our Double Your Send raffle for a chance to win double the amount you send.

Win Something For Your Dad

This Father’s Day, we’re giving you the chance to give something back to your dad. Every eligible transfer you send to your dad is an entry for a chance to win a special gift for him.

Send More, Win Big (Terms and Conditions)

It’s a limited-time offer that gives you entries into a monthly draw every time you send money internationally with Pesa, giving you the chance to win exciting prizes.

Send More, Win Big (FAQs)

Send money with Pesa to Nigeria, Ghana, and other Francophone countries and stand a chance to win an iPhone, a new Samsung phone, rent support and more.

Keyless Authentication

Everything you need to know about Keyless, Pesa’s enhanced security for your transactions

Everything You Need to Know: “The Best Gift is You” Campaign

Ramadan celebration campaign.

How do I get support if I have questions?

Can I convert money between my wallets?

Is Pesa a bank?

No, Pesa is not a bank.

How do I add money into my Pesa wallets?

You can add money into each wallet using virtual account details provided for that currency.

Can I withdraw money from my Multi-Currency Account?

I already have a Pesa account. Do I need to create a new one?

Your Pesa account has been upgraded to support multiple currencies.

Is my money safe with Pesa?

Yes. Pesa is licensed, regulated, and partners with secure financial institutions to safeguard your money. ‍

How long do transfers take to reflect?

Pesa transfer time - How long do transfers take to reflect on Pesa?

Are there fees for receiving money?

There are no hidden charges or transaction fees.

How do I create a multi-currency wallet on Pesa?

Here's how to create a multi-currency wallet on Pesa. Download the app and start receiving international payments with ease and for free.

What can I do with my Pesa Multi-Currency Account?

The Pesa multi-currency account is a global account that allows you receive international payments from Canada, United States, UK, Dubai, Europe, for free and at the best rates.

Who’s a multi-currency account for?

The Pesa multi-currency account is for you.

Which currencies can I add?

How many currencies does Pesa’s multi-currency account currently offer?

What is the Pesa Multi-Currency Account?

Pesa Multi-Currency Account - Frequently Asked Questions (FAQ)

Where can I get help if I have questions?

Chat with us in-app Email: support@usepesa.com Follow us on social IG @joinpesainc

Do I need a UAE bank account to use Pesa?

Yes, you’ll need to link your AED wallet to your bank account.

How long do transfers take from AED to NGN?

Most transfers are instant. Occasionally, a transfer may take a few minutes depending on the time and destination bank.

How do I refer friends in Dubai and earn rewards?

Each Pesa user has a referral code. Refer and Earn

Is it safe to use Pesa in the UAE?

It is safe to use Pesa in UAE. Pesa uses end-to-end encryption, fraud detection tools, and two-factor authentication to keep your data and money safe.

Can I transfer from AED to USD or GBP within Pesa?

You can transfer between all Pesa wallet currencies.

How do I verify my identity in the UAE?

Verification of Identity in the UAE requires Emirates ID or Passport and Live selfie. Proof of address is optional.

What’s the exchange rate like?

Pesa offers live mid-market rates — no hidden markups. You’ll see exactly how much you’re getting before you hit send or convert. You get to see live rate updates within the app. These rates are updated every 30 seconds, but you have the ability to lock down a guaranteed rate for 5minutes.

Can I receive naira in Dubai using Pesa?

Absolutely. Friends or family in Nigeria can send you naira. You can keep it in your NGN wallet through your virtual account by simply sharing your account details to the sender or convert it instantly to AED.

Can I send money from the UAE to Nigeria using Pesa?

Yes. You can send money from your AED wallet in Dubai to any Nigerian bank account — quickly, securely, and at a great rate.

How do I add an AED wallet to my account?

Open the Pesa app, go to Wallet, add wallet and select AED.

Do I need to manually create each wallet?

To start using a currency, go to Wallets > Add Wallet > choose currency.

Is it wallet-to-wallet?

Move money from your USD wallet to your AED wallet. Swap from GBP to NGN, EUR to USD, and more

Can I convert other currencies into AED?

Convert USD to AED Convert GBP to AED Convert EUR to AED Convert CAD to AED Convert NGN to AED

What currencies can I access with Pesa in the UAE?

You get a full multicurrency wallet that supports:AED 🇦🇪NGN 🇳🇬USD 🇺🇸GBP 🇬🇧EUR 🇪🇺CAD 🇨🇦

Can I use Pesa if I live in the UAE?

Yes! Pesa is now available in the UAE. You can download the Pesa app on the Playstore or App store. Send money from Dubai to Nigeria, receive naira from Nigeria, and convert AED to Naira — and back — instantly.

Pesa Referral Program

Earn money when you refer friends to Pesa! Share your referral code, and you both get rewarded when they send money. Fast, easy, and available in multiple countries.

Security and Management

Pesa virtual card has secured encryption. It comes with fraud detection.

Services – What Can I Use My Pesa Card For?

You can use Pesa virtual cards for a lot of services

Usage and Funding

Usage and funding of Pesa virtual cards

Pricing and Cost

Pricing and cost of using Pesa virtual card

How It Works

A Pesa Virtual Card is a digital USD card that enables you to make international online payments securely from Nigeria.

How can I delete a beneficiary/recipient?

Delete a beneficiary/recipient

How to personalize your avatar or emoji using the Pesa App

Personalise your avatar on your Pesa Account

Can a transaction be reversed?

Transactions processed are sent in near real-time and cannot be reversed. You might need to contact your beneficiary to initiate a reversal. Please contact support for further assistance.

I funded my CAD wallet and it is not reflecting, what can I do?

funding CAD wallet

My Interac email address has changed. What can I do?

Fixing interac email address is easy

How to receive NGN & convert to CAD in Canada ?

Receive NGN and convert to CAD in Canada

Who can I send EUR to?

You can send EUR to recipients in any of the countries we support

Guide to your EUR Transfers

EUR transfers

I forgot my password: How to reset your password.

Reset your password on Pesa app

About Pesa

How to create a Pesa account

Creating a Pesa account is quick, secure, and offers you a reliable, easy, fast way to send and receive money internationally at no extra cost or hidden fees while also giving you access to a multi-currency wallet with seamless conversions on the go.

How Do I Get Verified on Pesa?

Getting verified on Pesa is simple and ensures that you can access all the features and benefits of our platform securely

How do I fund my Pesa wallet?

Funding your Pesa wallet is easy and straightforward.

How to Create Your Pesa Wallet

Creating a wallet on Pesa is a simple and straightforward process

Managing Beneficiaries on Your Pesa Account

Managing beneficiaries on your Pesa account is simple and ensures your transfers are quick and accurate

How To Send Money To Someone

You can send money to another Pesa user, make an international or local transfer.

How do I send money internationally from the US with Pesa?

Easy way to send money internationally from the US with Pesa

What countries can I send money to using Pesa?

Pesa allows you to send money to Nigeria and Canada. New countries will be added soon.

What are Pesa’s fees for sending money internationally?

All money transfers with Pesa are free. You will see exactly what you are sending and what your recipient will receive before making a transaction.

How do I fund my Pesa wallet in the US?

To fund your wallet, you’ll need to add your USA bank details.

Is my money safe with Pesa?

Absolutely. Pesa takes security seriously. We use advanced encryption technology to protect your personal and financial information

How do I track my transfer?

You can track your transfer in real-time through the Pesa app. Simply log in, click on History, and you’ll see the status of your transfer, along with notifications as it progresses.

Can I cancel a transfer once it’s sent?

Once a transfer is in progress, it typically cannot be canceled. However, if there is an issue, please reach out to our customer support team immediately

What currencies can I send from the US?

From the US, you can send money in USD to various foreign currencies like NGN (Nigerian Naira), CAD (Canadian dollars) and more to come

Are there transfer limits?

2,000 Monthly Limit 1,000 daily limit

What verification do I need to complete to send money from the US?

To comply with US regulations, you’ll need to verify your identity before sending money. This usually includes providing a government-issued ID.

What do I do if my transfer is delayed?

delays can occasionally occur due to bank processing times or regulatory checks

How can I contact Pesa support?

our customer support team is available to assist. You can reach us via the Help Center in the app, through our live chat, or by email at support@pesa.com.

How to Make a Wallet-to-Wallet Transfer via Pesa

You can easily send money between wallets on the Pesa app by making a wallet-to-wallet exchange.

How to Fund Your CAD Pesa Wallet

There are multiple ways to fund your wallet. You can fund it by using the provided account details, via Interac e-transfer, or by making a wallet-to-wallet exchange.

How to Fund Your EUR Pesa Wallet

There are multiple ways to fund your EUR Pesa wallet. You can fund it by using the provided account details, making a wallet-to-wallet exchange, or linking a bank account to your EUR Pesa wallet.

How to Fund Your GBP Pesa Wallet

There are two ways to fund your GBP Pesa wallet. You can fund it by using the provided account details or make a wallet to wallet exchange.

How to delete my account data on my pesa app

If you would like to delete your Pesa account, please contact our support team via live chat on your Pesa app or website.

What do I do if I believe my account has been compromised?

please contact our support team immediately.

Is my information and money safe and secure in Pesa?

Absolutely! Our facial verification login, encrypted platform and fraud monitoring tools keeps your personal and transaction information safe and secure.

How can I update my account details?

To update your contact information, please send an email to support@pesa.co.com

Can I increase my daily transaction limit?

No. However, please contact support for assistance.

Why do I need to complete KYC verification?

The Know Your Customer verification process is an essential step in ensuring the security of your funds and adhering to financial regulations in the jurisdictions where we operate. It's a necessary step towards protecting your Pesa account.

How do I complete KYC from my mobile app?

The KYC process takes about 5 minutes to complete. You will need a valid piece of Government issued ID (e.g Driver’s License, Passport) to complete this process.

How to Fund Your NGN Pesa Wallet

You can fund your wallet using your Virtual Paga Bank Details. Follow the following easy steps which will take an average of 10 - 30 minutes for funds to appear in your wallet.

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Guide to your EUR Transfers

Who can I send EUR to?
You can send EUR to recipients in any of the countries we support. If the recipient has a SEPA IBAN account in the European Union, they will receive the funds in Euros. For recipients in countries outside of the SEPA area, we will convert the EUR into the local currency of the destination country. The conversion is based on the current exchange rate at the time of the transaction.

Can I send EUR to any SEPA country?
Yes, if you transfer EUR to a SEPA IBAN account in the EU, the recipient will receive the funds in Euros in their bank account.

Can I send EUR to countries outside of the SEPA zone?
When you send money to a country we support, we'll convert your EUR into the destination country's currency using the current exchange rate at the time of your transaction.

What’s the fee?
There is no fee for your transactions at Pesa

What information do I need about my recipient?
The information you need to send money will vary based on the recipient's country. Typically, you'll need their bank account details or mobile money wallet information. However, when sending money to the US, you must also provide the recipient's address

How long will it take for the recipient to receive the funds?
Most transactions are settled within 5 minutes while transactions to the US may take up to 2 business days.

Can someone without the Pesa app send me money?
Third-party payments are permitted, but a detailed compliance review process may be done. If everything is verified and approved, the funds will be successfully deposited into your Pesa wallet.

How long will it take for the money to get to my Pesa EUR account?
Transfers from your bank account to your Pesa EUR account will be received within 2 minutes.

What documents do I need to complete my KYC?
You will need a valid document issued in the European Union that has your full name, Date of Birth and your photoWill my recipient pay any fees?
No, your recipient will not pay any fees to receive money from you.

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