Question 1

What is the best FX Kudi alternative in Nigeria?

Accepted Answer

For many people in Nigeria, Vban is a strong alternative because it is available in Nigeria and is built for receiving international payments, holding USD/EUR/GBP, and converting to NGN. If your priority is sending across Africa from a Naira base, Hizo is also worth a look because it focuses on Naira transfers with live conversion and payouts to bank or mobile money.

Question 2

What can I use instead of FX Kudi in Ghana?

Accepted Answer

If you are in Ghana and want a similar cross-border wallet experience, Chipper Cash is a practical option since it is available in Ghana and supports sending to bank and mobile money across 21+ countries. Flux is another Ghana-available choice if you want cross-border transfers plus a virtual dollar card.

Question 3

Is FX Kudi available in Togo, and what are the closest substitutes?

Accepted Answer

FX Kudi explicitly names Togo as one of its supported send destinations. If you want an alternative with broad regional positioning, Eversend and Moneco both list pan-African availability, so they are sensible substitutes to compare for corridor coverage.

Question 4

Which apps are like FX Kudi for virtual dollar cards?

Accepted Answer

For a virtual card plus cross-border transfers, Chipper Cash includes a virtual Visa card, and Eversend also supports creating USD virtual cards. If you also care about holding foreign currency balances, Moneco is positioned around EUR and USD accounts plus card payments.

Question 5

I want to receive money from abroad into Africa, what FX Kudi competitors fit that use case?

Accepted Answer

For diaspora-to-Africa remittances, Zobo Money is purpose-built for sending from the US, UK, Canada, and Europe to recipients in African countries including Ghana and Nigeria. If you want a broader in-app wallet for sending and receiving across African borders, Eversend is another option positioned around cross-border transfers and exchange.

Question 6

Do any FX Kudi alternatives support stablecoin to mobile money payouts?

Accepted Answer

Yes, reply.cash is designed for sending stablecoins to mobile money and bank accounts in Kenya, Nigeria, and Uganda. It also states fees under 2% where the service is live, which makes it useful if your priority is stablecoin-based remittance.

Question 7

What does FX Kudi cost compared with alternatives that claim ‘zero fees’?

Accepted Answer

FX Kudi promotes zero transaction fees on supported transfers and says receiving money from abroad is free for the recipient. If you are comparing “zero-fee” positioning, Zobo Money also markets zero fees for sending money from the US, UK, Canada, and Europe to Africa, while reply.cash publishes a clearer fee signal by stating fees under 2% where live.

Top 152 Best FX Kudi Alternatives & Competitors (2026)

Alternatives to FX Kudi

Moneco

Hizo

Vban

Chipper Cash

Eversend

Zobo Money

Accrue

reply.cash

Flux

Canta

Send App

Swyftpay

Qwid

NALA

Payrit

Cpayant

Elevate Pay

Novacrust

Myaza

Pesa

Changera

Misan

SwyChr

Afriex

Frequently Asked Questions

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