---
title: "Changera: Money Transfer App in Africa"
description: "Send, receive and spend across borders in Nigeria, Ghana, Kenya, Uganda & Senegal. Hold NGN/GHS/KES in USD/GBP/EUR, pay 500 people."
canonical_url: "https://liners.com/changera"
markdown_url: "https://liners.com/changera.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/changera/screenshot.webp?v=1771636725915"
published_at: "2026-02-21T11:37:17.447Z"
updated_at: "2026-10-06T16:18:26.631Z"
---

# Changera: Money Transfer App in Africa

Send, receive and spend across borders in Nigeria, Ghana, Kenya, Uganda & Senegal. Hold NGN/GHS/KES in USD/GBP/EUR, pay 500 people.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Changera](/changera)

## Summary

Spend, hold, and send money across borders in one app

A cross-border social payment app for Africans and global businesses, offering multi-currency wallets, virtual accounts, dollar cards, remittances, and batch payments.

## Product details

| Field | Value |
| --- | --- |
| Website | https://changera.co/ |
| Tagline | Spend, hold, and send money across borders in one app |
| Primary country | Nigeria |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Changera is a cross-border social payments fintech app for individuals and businesses that need to send, receive, and spend money across countries, with a focus on African users and the diaspora.

Key capabilities include:
- **Multi-currency wallets** to hold and convert local currencies such as **NGN, GHS, and KES** into **USD, GBP, and EUR** for international spending and transfers
- **Virtual domiciliary bank accounts** in **USD, GBP, and EUR** for receiving and making global payments
- **Virtual and physical dollar cards** (Mastercard and Visa) for online and offline purchases, with reported limits above **$10,000**, fundable using supported local currencies
- **Changera Business** tools for **global salary payments**, **vendor payments**, **escrow**, receiving client payments, and **batch payments** to up to **500 recipients**

Available on **Web, Android, and iOS**.

It targets **freelancers, remote workers, migrants, and consumers** who need multi-currency spending and remittances, plus **SMEs** managing cross-border payouts and vendor settlements.

In the African fintech context, the product is notable for its **MoneyGram integration on the Stellar network** for cash-to-crypto deposits and withdrawals, and for positioning itself as a single app for **multi-currency wallets, cards, and cross-border payments** across markets including **Nigeria, Ghana, Kenya, Senegal, Uganda, and Canada**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Remittances](/tags/remittances): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [Nigeria](/countries/nigeria): Market
- [Senegal](/countries/senegal): Market
- [Uganda](/countries/uganda): Market

## Related pages

- [Alternatives](/changera/alternatives)
- [Reviews](/changera/reviews)
- [Transparency](/changera/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/changera)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)