How it works.Six steps, each one on your screen.

This is how you send Canadian dollars to a bank account in Nigeria.

Step 1: Create your account
Get the app, or go to send.cowris.com. Sign up with your email address and phone number.
Step 2: Verify your identity
We must know who you are before you send money. It takes about 3 minutes, and you do it once.
Step 3: Enter the amount
Type what you want to send in Canadian dollars. The app shows what you pay, what they get in naira, and the rate.
The app holds the rate for a set time while you finish. A timer shows how long is left.
Step 4: Add your recipient
Choose their bank and type their 10-digit account number. We look up the name on the account, so you can check it is the right person before you continue.
Save them, and next time you pick them from your list.
Step 5: Pay by Interac e-Transfer
The app gives you our email address, the exact amount and a short code. In your bank app, send an Interac e-Transfer for exactly that amount. Put the code in the message, so we can match your payment.
Then tap "I've sent it".
Step 6: Follow your transfer
The app shows each step until the money arrives. Turn on notifications to hear when it does. You can view and share the receipt.

Good to know

Each transfer has a time to pay. If the time runs out after you sent the money, tap "I've sent it". We keep watching for your payment.

Send the e-Transfer from a bank account in your name. A payment from someone else's account can be held for a check, and that delays your transfer.

You can cancel a transfer before you pay. If we cannot complete a transfer, we refund it to your Cowris wallet.

You pay in naira by bank transfer, to an account we give you in the app. Add the code we show as the narration.

They get Canadian dollars by Interac e-Transfer. Choose how fast:

Saver: Within 24 hours. A better rate, so they get more.
Express: Usually arrives in minutes. It is the faster option, not a guarantee.

Check the rate first, then send in the app or on the web.

Scan with your phone camera