Move money across borderslike it's local.
The fast, low-fee way to send money from the US to Nigeria and beyond. One simple 1% fee, capped at $6, at the exact rate you see, so more of your money lands where it matters.
A registered US money services business. Funds held with regulated partners.
- United States
- Nigeria
Keep more of every dollar.
One refreshingly simple fee: 1% per transfer, capped at $6, so the more you send, the better it gets. The rate you see is the exact rate used, and what you see is exactly what lands.
Rates are illustrative. Fees shown exclude a 2¢ delivery fee per send. Your exact rate and fee appear before you confirm.
Three steps. Minutes, not days.
- 01
Link your bank
Connect your bank securely with Plaid. No card numbers to type, no paperwork.
- 02
Pick who and how much
Choose a recipient and an amount. The rate, the fee, and what lands are all shown up front.
- 03
They get paid
Money arrives in their local bank account, fast. You both get a clear receipt.
Dollars and naira, both ways.
Hold a USD balance and an NGN balance, convert between them at the rate shown, and send in either direction. More currencies are on the way. Balances are held with regulated partners.
Hold more than one currency
A USD balance and an NGN balance, side by side.
Convert either way
Dollars to naira, naira to dollars, at the rate shown first.
Send both directions
Send to family in Nigeria, or back to a US bank.
A dollar card, ready in seconds.
Spend your USD balance online with a virtual Visa card. Freeze it in a tap and set your own limits.
Freeze in a tap
Lock and unlock your card instantly, whenever you want.
Set your limits
Decide how much your card can spend.
No monthly fee
A one-time $3 to create. No monthly or per-purchase fees.
Regulated from day one.
We are a registered US money services business. Your funds sit in segregated accounts with regulated banking and payment partners, and every transfer is screened before it moves.
How we protect youSegregated funds
Your money is held separately with regulated partners, never mixed with company money.
Identity verification
We verify every customer to meet US KYC and anti-money-laundering rules.
Sanctions screening
Every transfer clears OFAC and AML checks before a cent moves.
Encryption
Your data is encrypted in transit and at rest, with bank-grade controls.
Launching with the US and Nigeria.
Send between the United States and Nigeria in both directions, straight to a local bank account. More countries follow.
Good to know.
How much does it cost?
1% per transfer, capped at $6, plus a 2¢ delivery fee. The rate you see before you send is the exact rate used.
How fast is it?
Most transfers arrive within minutes to a few hours, depending on the receiving bank.
Is my money safe?
Mustard is a registered US money services business. Funds are held in segregated accounts with regulated partners, and every transfer is screened for fraud and sanctions.
Can I send money back to the US?
Yes. Convert local currency back to dollars and send it to a US bank, at the rate shown up front.
Be first to send with Mustard.
Join the waitlist and we'll email you the day we launch.