# Waya — Send & Receive Money

> Mobile money and bank transfer app for Ghana, Nigeria, and Kenya. (iPhone/iPad app by Waya Ltd.)

- Source: https://appshunter.io/ios/app/waya/id1489523032 (this page in markdown: same URL + `.md`)
- Developer: [Waya Ltd](https://appshunter.io/developer/1489523031)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 3.88/5 from 52 App Store ratings · 4 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.0 · 84 MB
- Languages: English
- Released: 2020-12-22
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/waya/id1489523032/reviews.md

## What is Waya?

Send money from your mobile money wallets, bank cards to all other mobile money wallets and bank accounts in Ghana, Nigeria and Kenya. 

You can add mobile money wallets, bank cards or bank account as a fund source to send money or you can load money to your WayaMe and enjoy the ability to send money in Naira, Kenyan Shillings and Ghana Cedis to other Waya Users using WayaMe.

Make payments also to Merchants who use Waya in an even simple manner with no hidden charges.

Waya is direct, easy to use, designed with the user in mind and tailored to offer our users the lowest charges possible on all transactions.

 

FEATURES:

-              Send money to and from in Ghana, Nigeria and Kenya on all mobile networks & bank accounts at a flat rate fee (to even non-Waya users).

-              Load Money on your WayaMe and send money to other Waya users directly.

-              Load money to multiple currency wallets on Waya and send money in Naira, Cedis, Shillings and US Dollars

-              Request and receive money from family & friends on Waya.

-              Pay for services using Waya.

-              Pay Merchants who use Waya directly.

-              Enjoy a secure and reliable refund process for payments made to Waya Merchants.

 

WAYA FOR MERCHANTS:

Waya is for Merchants too!

Do you have a business or company or are you selling goods?

Simply download the Waya app sign up and indicate you are business to create a Waya Merchant Account.

 

 

FEATURES:

-              Load Money on your WayaMe and send money to other Waya users directly.

-              Load money to multiple currency wallets on Waya and send money in Naira, Cedis, Shillings and US Dollars

-              Request payment from your customers (even non-Waya users)

-              Accept payments from all sources

-              Receive your funds (settlements) in a secure & reliable manner

-              Get access to our external APIs for direct integration of Waya into your app or website

-              Send & receive money too

-              Track and manage your revenue & expenses as a Waya Merchant

 

Waya services are currently only in Ghana, Nigeria and Kenya BUT we are coming soon with:

•        Cross border payments & money transfers across Ghana, Kenya, South Africa, Nigeria, Ivory Coast, Tanzania, Rwanda, Uganda, Liberia, Burkina Faso and Sierra Leone.

 

Waya is registered as a business in Ghana, Kenya, South Africa and the United Kingdom with partners in over 10 other Africa countries.

Contact us: support@wayamoney.com

## Key features

- Send money to mobile money wallets and bank accounts
- Load funds from mobile money wallets and bank cards
- Multi-currency wallets (Naira, Cedis, Shillings, USD)
- Request and receive money from contacts
- Pay merchants directly
- Merchant accounts for businesses
- Revenue and expense tracking for merchants

## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/waya/id1489523032/reviews.md

### 1/5 — Worst app

*2023-10-09*

I regret even using the app 3 good days no response and deduction of money from my mpesa yet no refund . The worst worst worst worst app ever i just hate it. If possible i wouldnt even bother giving it any star cause they dont deserve ot😡😡😡😡😡😡😡😡😡

### 2/5 — Can’t load money into my wayamoney account

*2023-08-13*

Hi there please help me out am trying to load money into my Wayamoney account through mtn mobile money it always says PLEASE SET TRANSFER FROM AMOUNT KYC LIMITS which I do not understand and I can’t find the transfer amount limits to on the app

### 1/5 — Poor app

*2023-07-22*

Transactions are not going through

### 1/5 — Worst app ever

*2021-09-16, version 1.2.18*

It’s the worst transfer app ever after loading your money into it then the app stop working I’m still having my money trapped in the app

**Developer response:** Hello, We sincerely apologize for the inconvenience. Kindly reach out via our support channel support@wayamoney.com and we will resolve this for you.

## Frequently asked questions about Waya

### What countries does Waya support for money transfers?

Waya currently supports money transfers within Ghana, Nigeria, and Kenya. The app plans to expand to include South Africa, Ivory Coast, Tanzania, Rwanda, Uganda, Liberia, Burkina Faso, and Sierra Leone in the future.

### How can I fund my Waya account?

You can load money into your Waya account using your mobile money wallets, bank cards, or bank accounts. This allows you to send money to other Waya users or to external mobile money wallets and bank accounts.

### Can I send money to non-Waya users with Waya?

Yes, Waya allows you to send money to both Waya users and non-Waya users in Ghana, Nigeria, and Kenya. Transactions to non-Waya users are processed at a flat rate fee.

### Does Waya have any hidden charges?

Waya is designed to offer users the lowest charges possible on all transactions and aims for no hidden charges when making payments to merchants.

### Is Waya suitable for businesses?

Yes, Waya offers a dedicated Merchant Account. Businesses can sign up to accept payments from customers, track revenue and expenses, and even integrate Waya into their own apps or websites via external APIs.

### What currencies can I hold and send with Waya?

Waya supports multiple currency wallets, allowing you to load and send money in Naira, Ghana Cedis, Kenyan Shillings, and US Dollars.

### How secure is Waya?

Waya is designed with security in mind and offers a secure and reliable refund process for payments made to Waya Merchants. The app is registered as a business in Ghana, Kenya, South Africa, and the UK.

### How often is Waya updated?

The latest version of Waya is 2.2.21, which was last updated on August 26, 2023. This indicates a relatively active development cycle for the application.

## Version history (last 5 releases)

### 2.2.21 — 2023-08-26

Bug Fixes
Improved Favourites

### 2.2.20 — 2023-07-18

Minor Bug Fixes
Favourite for Value added services
Security Fixes

### 2.2.19 — 2023-06-20

UI Improvements 
New send money flow
Bugs fixes

### 2.2.18 — 2023-05-29

General Bug Fixes 
Data Feature

### 2.2.17 — 2023-01-30

Improved app stability.
Bug fixes.
Extended support for more countries.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*