Once your account has been successfully verified through KYC, you’ll be able to send money across borders with ease. Whether you’re supporting family, paying a bill, or sending a gift, Zobo makes it simple, fast, and stress-free, with zero fees and transparent exchange rates.

Here’s how to send money with Zobo:

Step-by-Step Guide to Sending Money

1. Log In to Your Account

Open the Zobo app and log in using your preferred method:

• Sign in with Google

• Sign in with Apple

• Sign in with Email (using your registered email and secure password)
  
  

2. Tap “Send Money” on the Home Screen

Once you’re logged in, the Send Money option will be visible on your home dashboard.

3. Enter the Amount You’d Like to Send

• Input the amount you want to send in USD (or your base currency, based on your country of registration).

• You’ll immediately see:

• The real-time exchange rate

• The amount your recipient will receive in their local currency

Zobo always shows this clearly, so there are no surprises.

4. Choose a Delivery Method

Choose how you want your recipient to receive the money. Available options on Zobo include:

• Bank Transfer – Send money directly to your recipient’s bank account.

• Mobile Money – Send money directly to your recipient’s mobile money account, such as MTN Mobile Money or Orange Money.

Available delivery methods may vary depending on the recipient’s country and currency.

5. Enter Recipient Details

Make sure you have the correct bank info. You’ll need:

• Account Number

• Bank Name (select from the list)

• The app will automatically pull the account name for confirmation

Double-check to ensure everything is accurate.

6. Review Transfer Details

Before finalizing your transaction, you’ll land on a Review Page that displays:

• Total amount being sent

• Recipient’s bank details

• Current exchange rate

• Any applicable transaction fee (note: Zobo typically charges zero fees)

• Total amount you’ll be debited

• Bonus (optional): You can choose to add a little extra love to your transfer

• Coupon: Enter a valid coupon code if you have one to apply any available discount or reward
  
  

7. Choose your payment method

The payment methods available to you depend on the country or region where your Zobo account is registered.

USA & Canada

You can pay for your transfer using a debit card linked to your Zobo account.

To use a different card:

1. Tap Change Card.

2. Enter your new card details.

3. Confirm the card and continue with your transfer.

Your payment information is securely processed and protected.

EU & UK

If you're in the EU or UK, you can pay using Bank Direct Debit or your Zobo Balance.

Bank Direct Debit

Bank Direct Debit lets you pay for your transfer directly from your bank account.

To use Bank Direct Debit:

1. Select Bank as your payment method.

2. Authorize the transfer using your Zobo PIN or available authorization method.

3. Select your bank from the list provided.

4. You'll be redirected to your bank's app to approve the payment.

5. Complete the authorization in your banking app.

6. Return to the Zobo app to complete your transfer.

Important: You have 5 minutes to complete the authorization in your banking app. If you don't complete it within this time, the transfer will be automatically cancelled, and you'll need to start again.

Zobo Balance

You can also pay for your transfer using funds in your Zobo Balance.

To fund your balance:

1. Find your dedicated Zobo wallet account details in the app.

2. Use the account details provided to transfer money from your bank account or another available funding source.

3. Make sure you send the correct currency to the account details provided for that currency.

Sending a different currency may cause delays or issues with your funding.

Once your balance is funded, you can select Zobo Balance when paying for a transfer.

8. Select the Reason for Transfer

For compliance and clarity, choose a reason from the pre-configured list (e.g., family support, education, gift, etc.)