Chipper Cash vs Sendwave: Africa Transfer Showdown 2025
Both Chipper Cash and Sendwave offer zero-fee transfers to Kenya. But which gives better value? Let's compare.
Quick Comparison
| Factor | Chipper Cash | Sendwave |
| Transfer Fee | $0 | $0 |
| Rate Markup | ~2.5% | ~2% |
| Speed | Instant | Instant |
| Source Countries | Limited | USA, UK, EU |
| Crypto | ā | ā |
| Bill Pay | ā | ā |
Cost Comparison: $500 Transfer
| Provider | Fee | Rate | Recipient Gets |
| Sendwave | $0 | Better | KES 63,135 |
| Chipper Cash | $0 | Lower | KES 62,350 |
Sendwave delivers ~KES 785 more
When to Use Chipper Cash
Africa-to-Africa Transfers
- Send between African countries
- Free between Chipper users
- Growing network
Want Crypto Features
- Buy/sell crypto in app
- Use for transfers
- Virtual cards
Bill Payments
- Pay utilities
- Buy airtime
- Multiple services
Based in Africa
- Better for African residents
- Local currency accounts
When to Use Sendwave
International to Kenya
- USA, UK, EU supported
- Better exchange rates
- More established
Simple Transfer Only
- Just want to send money
- No extra features needed
- Focused experience
Regular Small Transfers
- Zero fees compound savings
- Quick repeat sends
- $999/day limit works
Feature Comparison
| Feature | Chipper Cash | Sendwave |
| App Only | Yes | Yes |
| Virtual Card | ā | ā |
| Crypto | ā | ā |
| Speed | Instant | Instant |
| Daily Limit | Varies | $999 |
Verdict
For international senders: Sendwave
Better rates from USA/UK/EU.
For African residents: Chipper Cash
More features and Africa-to-Africa.
Last updated: January 2025