Know your family is taken care of.

Other apps hide the cost in the rate. Zeni shows exactly what your family gets before you pay, and you track it until it arrives.

✓Protected until it arrives ✓Your family doesn't need the app or an account ✓Full cost shown before you pay ✓No wallet to top up. Pay as you send
Who are you supporting?
Mom getsKES 25,800.00 KES
FeeUS$3.99
RateUS$1 = KES 129.00
Total you payUS$203.99
Send to Mom Example rate. Your rate is held for [X] minutes once you continue.
WHERE YOUR FAMILY IS
Send from to
Live in all 54 African countries
United States Kenya
USD → KES Family receives Kenyan shillings
You'll see the fee, exchange rate and exactly what they receive before you pay.

Hover to pause, tap a country to see its currency. Payout methods and bill providers vary by country, and the app only shows what's available.

MY FAMILY

Everyone you support,
in one wallet.

Banks see account numbers. Zeni sees Mom, your brother and your sister. Each family member gets their own card in your wallet, with their country, currency and what you last sent. Tap one to support them again.

  • ✓ Their payout details saved once, checked with the provider where supported
  • ✓ Last transfer, bill or top-up at a glance
  • ✓ Send money or pay a need in two taps
My Family Support Mom today
Send to Mom
JFamily + eni
EVERY TRANSFER. ONE RECEIPT. NO GUESSING. Examples of what families use Zeni for
SENDING HOME TODAY

You send money, then you wait. The fee looked small, but the rate quietly took more.

Mom calls to ask if it arrived. School fees mean a screenshot, a WhatsApp, and hoping it reached the school.

The Zeni way

You see exactly what Mom gets before you pay. Fee, rate and total, up front.

You both follow it live until the provider confirms. Bills and school fees go straight to the provider, with a receipt.

WHY FAMILIES CHOOSE ZENI

Built for the people back home.

Pay as you send

No balance to load and no wallet to manage. Pay with your card or bank at the moment you send.

9:41●●● ▮
My familyWho you support, at a glance + Add
KES Mom · AmaraM-PESA ••678 ✓ Last: Nov 5
GHS Brother · KofiMTN ••412 ✓ Airtime Nov 2
Activity
On its wayDeliveredRefunded
ToMom · AmaraYou sentUS$250.00
Mom getsKES 32,250.00Rate1 USD = 129.00
Status● Sent to M-PESATrack
KWElectricity · MomKenya Power · Nov 3Paid
TXTo Mom · US$500.00M-PESA · Nov 5Delivered
Protected until it arrives

Every way home

Mobile money, a bank account, or the bill itself. Pick what works for them, in all 54 countries we cover.

Mom knows it landed

Live updates at every step, and a text for Mom the moment the provider confirms it.

Know before you send

Fee, rate and exactly what Mom gets, all before you pay. The number on the receipt is the number she gets.

TWO WAYS TO SUPPORT FAMILY

Send what they need,
or pay it for them.

SEND MONEY

Flexible cash, straight to family

Send to a family member's mobile money wallet or bank account, depending on what's available in their country.

  • ✓ Save family as people, with labels like Mom or Sister
  • ✓ See the fee, rate and what they get before you pay
  • ✓ Share a tracking link, no app needed on their side
See how it works
PAY A FAMILY NEEDPILOT

Pay the bill directly

When you want a specific need handled, pay a supported provider directly and get a receipt.

  • ✓ Electricity, water and other utilities
  • ✓ School and university fees
  • ○ Healthcare providers — coming later
Pay a family need

Built for your family and the people back home, not a recipient.

“Recipient” is a word on a form, not a person. So we built Zeni around the real reasons you send: the school term, the hospital bill, Mom’s electricity, the wedding back home. Find the one that sounds like you.

Names, schools and amounts are examples. Available payout options depend on the country and provider.

SEND MONEY TO FAMILY

Clear at every step,
from tap to delivered.

Tap a step to see the screen.

WHO & HOW
CONFIRM & PAY
KNOW IT ARRIVED
Who are you supporting? Choose someone from My Family or add someone new.
Search name or country
⊕ Add a family member
My Family
Amara Tobechi Mom
Kenya · M-PESA
✓
Nadia Gold Sister
Kenya · Bank account
Kofi Brother
Ghana · Mobile money
Continue with Amara
PAY A FAMILY NEEDPILOT

Make sure it's handled,
not just sent.

Pay a supported provider directly, like the power company or a school. You get a receipt, and if the provider doesn't see the payment, you can report it.

  1. 1 Choose a need
    ElectricityWaterSchool fees
  2. 2 Pick the provider Only providers we can pay in that country are shown.
  3. 3 Enter the account Meter, account or student number. We check it with the provider where we can.
  4. 4 Pay and get a receipt See the amount, fee and rate first. Track it until the provider confirms.
Ready to support your family? Sign up free. No subscription or monthly fee.
TRANSPARENT PRICING

The full cost,
before you commit.

Every quote shows the amount you send, the fee, the exchange rate, the total charged and exactly what your family receives. Nothing is charged until you confirm.

[XX]%of transfers delivered within [TIME]1
Try a quoteExample rate
⇅ US$1 = KES129.00
Your family gets64,500.00
KES
Transfer fee (included in total)US$3.99
Estimated arrival1[By DAY], shown before you pay
Quote held for[X] minutes
Total chargedUS$503.99
Send at this rate Example only. Your live quote shows in the app before you pay.
KNOW IT ARRIVED

No more calls asking
"did it come?"

Track it, then share it

Follow every step in plain language. Send your family a secure status link by SMS or WhatsApp. They don't need the app.

  1. ✓Payment processed
  2. Sent to M-PESA
  3. Delivered to Mom
ReceiptZEN-051126-0842
You sentUS$500.00
FeeUS$3.99
Total chargedUS$503.99
RateUS$1 = KES 129.00
Mom gotKES 64,500.00
zeniremit.com/t/•••••• Share link
If something goes wrong, we own it

Report a problem right from the transfer. You get a case number, a status and a target response time, and we keep you updated until it's resolved.

CaseZC-[NUMBER]
IssueMom hasn't received it
StatusInvestigating with partner
Target response[SLA]
Every case ends with an outcome: delivered, corrected, or refunded.
STAY IN THE LOOP

Updates in plain family language.

We tell you when it starts, when it lands, and right away if something is taking longer, with what happens next.

→
Transfer startednow
US$503.99 to Mom is on its way. We'll tell you when it lands.
✓
Mom received itnow
KES 64,500.00 arrived in her M-PESA wallet.
!
Taking longer than usual2h ago
We're checking with the provider. Case opened. You don't need to do anything yet.
✓
Electricity paidyesterday
Kenya Power confirmed the payment. Your receipt is ready.
FAMILY STORIES

Two homes,
one family.

Real stories from the people who send and the families who receive. Told in their own words, shared with their permission.

MONTHLY SUPPORT A nurse in Arizona and her mother's monthly support How sending on the same day every month, and sharing the tracking link with Mom, ended the "did it come?" phone calls. Story coming soon
SCHOOL FEES Paying his nephew's school fees straight to the school Why paying the school directly, with a receipt, gave the whole family peace of mind at the start of term. Story coming soon
GIVING BACK Staying part of her home church from 6,000 miles away A member abroad who gives her tithe to her church in Ghana every month, and joins the Sunday service online. Story coming soon
Have a story about taking care of family from abroad? We'd love to hear it. Share your story
GET STARTED

Set up once.
Support anytime.

  1. 1
    Create your accountSign up with your details, or with Apple or Google, and set your PIN and Face ID.
  2. 2
    Verify your identityPart of creating your account: a photo ID and a quick selfie, done once. After that, sending is just a few taps. Some checks need a quick manual review.
  3. 3
    Add your familySave the people you support, with their payout details and a label like Mom or Brother.
  4. 4
    Send money or pay a needSee the quote, pay by debit card or bank, and track it until it arrives.
PROTECTED UNTIL IT ARRIVES

Your family gets it, or you get it back.

We hold your payment Kept safe while it travels to their mobile money or bank.
Name checked first Where the provider supports it, you see the receiver’s name before you send.
KES 64,500 On its way to Mom
protected until it lands
Released on confirmation Only complete when the provider confirms your family got it.
Or refunded in full If it can’t be delivered, you get it all back, fee included.
YOUR MONEY IS PROTECTED

Straight answers
about your money.

Licensed and registered Transfers are handled by [LICENSED PARTNER / ZENI LICENSE], registered with [FinCEN / FINTRAC] and licensed in [STATES / PROVINCES].
Your funds are kept safe [HOW CUSTOMER FUNDS ARE HELD]. You're only charged after you confirm, and failed transfers are refunded.
Your account, locked to you Identity checks, Face ID and PIN, and encryption for your personal details.
Real people to help Support by [CHAT / EMAIL / PHONE], [HOURS]. Every problem gets a case number and a target response time.

Zeni Remit is a financial technology company, not a bank. How we protect your money

INVITE FAMILY & FRIENDS

Bring your people. Send free, together.

Know someone abroad who sends money home? Invite them. When they make their first transfer, you both get a transfer with no fee. No points, no fine print games.

ZENI INVITE A free transfer
for you.
A free transfer
for them.
You get1 transfer with no fee
When?They send their first transfer
They get1 transfer with no fee
Your codeJANE24
Example code. [REFERRAL TERMS: eligibility, limits, expiry]

Four steps.
One link.

Keep scrolling. Each step stacks on the last, just like your invites add up.
1 Join Zeni Create your account and find your invite link and code in the app. Takes a minute
2 Share it with your people Send it to cousins, friends and church members abroad on WhatsApp, by text or email. WhatsApp · Text · Email
3 They send home Your friend signs up with your code and makes their first transfer to family. First transfer of [MIN AMOUNT] or more
4 You both send free A fee-free transfer lands in both accounts automatically. Use it on your next transfer home. Added automatically
QUESTIONS

Got questions?
We've got answers.

You can send from the United States and Canada to family in all 54 African countries. Payout methods and bill providers vary by country, and the app only shows what is available.

How do you want to support your family today?

Send money. Pay important needs. Know your family is taken care of.

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