rates
Mid-market exchange rates, shown plainly
The rate between the naira, cedi, shilling, rand, dollar, pound and euro, with one visible fee on top. Every PayTribes quote starts here. Rates on this page are examples for illustration.
Example corridors
A clearer picture of every payment.
GBP
NGN
Transparent quotes
See exactly what arrives before you send
Every quote starts from the mid-market rate. Lock it, and that’s the rate that lands, with no second margin taken at the other end.
- One visible fee, shown before you confirm
- 24-hour rate locks on Growth and Enterprise
- Example rates, not live quotes
Send money
● Example rate- Rate
- 1 USD = 129.74 KES
- PayTribes fee
- $40.00 (0.4%)
- Arrives
- About 40 seconds
Your supplier gets KSh44,600 more than with a typical bank wire.
Lock this rate for 24 hoursExample rates for illustration, not a live quote. Typical bank assumes a 3.5% margin plus a $35 wire fee.
At a glance
Today’s example rates
What one unit buys in each market, how it moved since yesterday, the PayTribes fee and how fast it lands.
| Corridor | Example rate | Vs yesterday | Fee | Arrives |
|---|---|---|---|---|
| GBP → NGN | 1,755.97 | +0.21% | 0.4% | Under a minute |
| USD → NGN | 1,328.09 | −0.16% | 0.4% | Under a minute |
| USD → KES | 129.74 | −0.06% | 0.4% | About 40 seconds |
| EUR → GHS | 13.17 | +0.12% | 0.4% | About a minute |
| NGN → KES | 0.098 | +0.08% | 0.4% | Under a minute |
| USD → GHS | 11.72 | −0.54% | 0.4% | About a minute |
| ZAR → NGN | 80.39 | +0.10% | 0.4% | Under a minute |
Example mid-market rates as of 13 Oct 2026, for illustration only.
Rate locks
Quote today. Pay tomorrow. Same rate.
Lock today’s rate for 24 hours on Growth and Enterprise. If you don’t use it, the lock expires with no charge.
FAQ
Questions finance teams ask us
How can a payment settle in seconds?
We hold pre-funded balances with licensed partners in each market, so a payment from Lagos to Nairobi becomes two local transfers on instant rails instead of one slow international wire through correspondent banks.
What do you need to verify my business?
Your company registration, proof of address, and ID for each director and anyone owning 25% or more. Most businesses are approved within one working day.
Which countries can I pay into?
Nigeria, Ghana, Kenya, South Africa, Uganda, Tanzania, Rwanda, Côte d’Ivoire, Senegal, Egypt, the UK, the eurozone, the US and the UAE, across 38 currency pairs.
How does a 24-hour rate lock work?
Lock today’s rate on any pair and use it for payments over the next 24 hours, up to the amount you locked. If you don’t use it, the lock simply expires with no charge.
Can I require two people to approve payments?
Yes. Set approval rules by amount, currency or recipient, and nothing above your limit leaves without a second sign-off from someone you choose.
Does PayTribes work with my accounting software?
Yes. PayTribes syncs with the major cloud accounting tools. Each payment posts with the invoice, the rate used and any fees or FX gains, ready to reconcile.
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.