Zole

Zole is a mobile app for fast, secure international money transfers using a recipient’s phone number—no bank account details required. Transfers are designed to arrive in under 5 minutes, with real-time exchange rates shown before you confirm, so you can see what the recipient will receive.

Key features include:

• Phone-number transfers: Send or request money directly from contacts.
• Fast delivery: Funds typically reach the recipient within minutes.
• Low-cost sending: Zole promotes free transfers on select corridors (including Canada → Nigeria and within Nigeria, per its FAQs).
• Transparent FX: Rates update in real time to improve accuracy.
• Security & support: Identity verification and 24/7 customer support.

How it works:

1. Download the app
2. Add a recipient
3. Send money in your chosen currency

Beyond transfers, Zole also offers a Virtual Dollar Card for international online purchases and Zole Pots for group savings in a chosen currency. If you send money to someone not yet on Zole, they receive an SMS and a link to download the app to access the funds.