LemFi

LemFi

Global payment for everyone

71K ratings
1756 reviews
Free

Details

  • Released
  • Updated
  • October 5, 2020
  • August 7, 2026

Features

LemFi screenshot #1 for iPhone
LemFi screenshot #2 for iPhone
LemFi screenshot #3 for iPhone
LemFi screenshot #4 for iPhone
LemFi screenshot #5 for iPhone
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About

Send money overseas easily and affordably to loved ones in Europe, Africa, Asia, and Latin America. Manage and exchange money in multiple currencies with competitive rates and low or zero transfer fees. Earn rewards by referring friends.

βœ“Send money overseas
βœ“Low or zero transfer fees
βœ“Multi-currency account
βœ“Hold and exchange funds
βœ“Refer-a-friend rewards
βœ“Real-time notifications
βœ“24/7 customer support
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What users say

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+1

What's New in LemFi

26.32.0

August 7, 2026

Send Money Instantly - No Top-Up Required! Experience the freedom of sending money without waiting to fund your wallet first. Loved by our users across Europe, this seamless feature is now available in the UK, US, and Canada!

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User reviews

Scam

Absolutely awful scammers are all over this app

Best

One in a million

easy

easy to used app

Fast

LemFi is fast and reliable.

Transfer apps are usually buggy, but this one really works!

So I was skeptical at first, because this is a money transfer app (and they are usually buggy) and, second, this is an app which sends money to African countries, which can be quite unpredictable in terms of infrastructure and connectivity.

But lucky for me this app delivers everything it promises seamlessly!
It worked so well during my West African trip that I'm leaving this review (I normally do that when apps really annoy me).

It saved me so much of ATM fees that would incur were I to withdraw cash. In Nigeria, for ex, each withdraw was capped at 20k naira (~10Β£) and it was charging fixed 1Β£ each time regardless of the amount! Imagine losing 10% of your money just like that.

Also, payment with international cards just doesn't work in most places in this region, so it was either withdrawing or exchanging physical cash.

The app also offers very fair exchange rate (very negligible from the google rate) so you don't lose on that. And, finally, there are no fees!

So, sending my Β£ to a Nigerian or Beninese people took me seconds of tapping and they were almost instantly receiving their bank/mobile money. I was impressed, because most transfer apps just take longer time.

Finally, it has just nice UI and UX flows. For ex., when I messed up my email during registration, it allowed me to change it after validating my phone number. Most apps would just get stuck at this point requiring you to contact their support or not allow to do this at all. As a user, I just want thank you, because it saved me in most payment situations.

It just works on all ends! Thanks, you gained one more loyal customer
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Developer apps

User experience

🐞

Reported Bugs

4 issues

App crashes or freezes

Bug

Funds not reflecting in wallet

Bug

Incorrect exchange rates displayed

Bug

Verification process not working

Bug
✨

Requested Features

5 requests

Add more beneficiary bank options

Feature

Improve transaction history and reporting

Feature

Provide ability to cancel or reverse transactions

Feature

Increase transfer limits

Feature

Offer mobile wallet or digital account features

Feature

FAQ

What does LemFi do?

LemFi is a global payment service that allows users to send money overseas to various destinations including Europe, Africa, Asia, and Latin America. It also enables users to hold and exchange money in different currencies with competitive rates and low or zero transfer fees.

What are the key features of LemFi?

Key features include sending money internationally, holding and exchanging funds in multiple currencies like Euros, Pounds Sterling, and US Dollars, earning rewards through referrals, receiving real-time arrival notifications, and accessing 24/7 customer support.

How much does LemFi cost?

The app offers low or even zero transfer fees depending on the destination country, with no hidden charges. The service itself is free to use, with potential earnings from referring friends.

Which countries can I send money to with LemFi?

You can send money from countries like the UK, US, Canada, and several European nations to destinations such as Pakistan, India, Nigeria, Ghana, China, Uganda, Kenya, Brazil, and many more across Europe, Africa, Asia, and Latin America.

Is LemFi safe and regulated?

Yes, LemFi is fully registered with financial authorities such as the FCA in the UK, FINTRAC in Canada, and FinCEN in the United States, ensuring a secure and compliant service for international transactions.