Rates & pricing
Today's exchange rates, a calculator that shows the real cost before you commit, and every charge on Rainpay in plain terms. No hidden fees — what you see here is what you pay.
Today's rates
Buy dollars onto your card
Market ₦/$ plus the 3% card margin and service fee
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Dollars back to naira
When money comes off your card into your naira wallet
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Fund from DeFi (USDT)
Naira per USDT coming in — includes the 1% margin
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Send to a DeFi wallet (USDT)
Naira per USDT going out — includes the 5% margin
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Send to the UK (GBP)
Naira per pound for global transfers
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Send to Europe (EUR)
Naira per euro for global transfers
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Send to the US (USD)
Naira per dollar for global transfers
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Rates move with the market. Every payment re-quotes at confirmation, so the final number is always shown before you pay.
Rate calculator
Enter an amount to see the cost.
Every charge, in plain terms
| What you're doing | What it costs |
|---|---|
| Receive into your Rainpay account number | 1% of the amount, max ₦1,000 |
| Top up from your bank app or card | 1% + ₦100 (max ₦5,000), plus the collection partner's own charge (about 2%, max ₦1,000, + VAT) |
| Send to another Rainpay user | Free |
| Send to a Nigerian bank account | ₦100 + 7.5% VAT on the charge — the recipient gets the full amount |
| Fund your wallet from DeFi (USDT) | 1% margin inside the rate |
| Send out to a DeFi wallet (USDT) | 5% margin inside the rate, to cover rate swings |
| Dollar card top-ups & withdrawals | 3% inside the rate + service fee of 1% + ₦100 (max ₦2,000) |
| Send money abroad (GBP, EUR, USD) | Today's live rate, shown before you confirm |
| Flights & hotels | Partner price + 5% |
| Airtime, data & bills | Face value — no added charge |
Always free
- Rainpay-to-Rainpay transfers
- Receiving from other Rainpay users
- Keeping money in your wallet — no maintenance fee