pricing

Pay for what you move, nothing else

Free to open, no minimum balance and no charge to receive money. Every conversion is the mid-market rate plus one fee you see before you send.

Open an account Talk to sales

Starter

a month

Free forever

For teams sending their first cross-border payments.

0.6% on conversions
Accounts in 7 currencies
Up to 3 team members
Single payouts
Email support

Open an account

Growth

Most teams pick this

$149

a month

Billed monthly

For businesses paying suppliers and staff every week.

0.4% on conversions
24-hour rate locks
Bulk payouts and payroll
Approval rules
Accounting sync
Unlimited team members

Start with Growth

Enterprise

Custom

For $5M+ a month

For platforms and groups moving over $5M a month.

Volume-based FX pricing
Full API and webhooks
Multi-entity treasury
Dedicated account manager
99.95% uptime commitment

Talk to sales

The difference, made visible

More arrives.
Less disappears in fees.

Compare the recipient amount from the original example quotes.

Example corridorIllustration only · 13 Oct 2026 · Not a live quote

PayTribes₦17,489,460

Typical bank wire₦16,900,180

Your recipient gets₦589,280 more

Typical bank assumes a 3.5% margin plus a $35 wire fee. Bar lengths are schematic, not to scale.

Example fees

What a cross-border payment really costs

Examples use our sample mid-market rates, compared with a typical bank wire at a 3.5% margin plus a $35 fee.

Corridor	With PayTribes	With a typical bank	You save
GBP → NGN	£10,000 → ₦17,489,460	₦16,900,180	₦589,280
USD → NGN	$10,000 → ₦13,227,780	₦12,771,220	₦456,560
USD → KES	$10,000 → KSh1,292,210	KSh1,247,610	KSh44,600
EUR → GHS	€10,000 → GH₵131,170	GH₵126,690	GH₵4,480
NGN → KES	₦25,000,000 → KSh2,432,730	KSh2,352,630	KSh80,100
USD → GHS	$10,000 → GH₵116,730	GH₵112,700	GH₵4,030
ZAR → NGN	R100,000 → ₦8,006,840	₦7,712,780	₦294,060

Example rates for illustration only, 13 Oct 2026. Not live data or an offer to exchange currency.

Plans side by side

Compare plans

Feature	Starter	Growth	Enterprise
Conversion fee	0.6%	0.4%	From 0.15%
Receive local transfers	Free	Free	Free
Bulk payouts and payroll	Not included	Included	Included
24-hour rate locks	Not included	Included	Included
Team members	3	Unlimited	Unlimited
Approval rules	Not included	Included	Included
Multi-entity treasury	Not included	Not included	Included
Accounting sync	Not included	Included	Included
API and webhooks	Read only	Included	Included
Support	Email	Chat and email	Named manager

The honest comparison

What a $10,000 payment really costs

Banks rarely charge a visible conversion fee. They build a margin into the rate instead. Here’s how PayTribes compares with a typical bank wire.

Compare	PayTribes	Typical bank wire
Exchange rate	Mid-market rate plus one fee from 0.4%	A 2 to 4% margin built into the rate
Speed	Under a minute in most corridors	2 to 4 business days
Fees shown	Before you send, in full	Often only on your statement
Receiving money	Free on every plan	$15 to $30 per incoming wire
Rate locks	24 hours, on any of 38 pairs	Rarely available to SMEs
Approvals	Rules by amount, currency and recipient	Manual sign-off at the branch
Tracking	Live status and proof of payment	Call the bank and wait
Accounting	Syncs with the invoice attached	Manual export and matching

Your next supplier payment could land in under a minute.

Open a PayTribes account online. Most businesses are verified within one working day and can pay their first supplier the next morning.