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Move Money.Move Business.

One account for you and your business. Send and receive across Africa, exchange currencies at great rates, pay bills, buy airtime and data, book flights and spend online with virtual cards.

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Ada Okafor Good morningAda OkaforCenda Tag@adaokafor
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    Pay bills & moreSee all
    AirtimeData ElectricityTV NEWeSIMNEWFlights Digital dollarsMore
    Recent activity
      Send money
      Kwame Mensah@kwamem · Bank ••• 2291
      You send
      ₦0
      They receive ₵0.00
      Rate locked 30s 1 NGN = 0.0101 GHS Fee ₦0 · Arrives in minutes

      Sending your money

      ₵0.00 to Kwame Mensah

      1. Rate locked · 1 NGN = 0.0101 GHS
      2. Exchanged at your rate
      3. Delivered to Kwame's bank

      Keep the app open. This usually takes a few seconds.

      Money on its way

      ₵0.00 to Kwame Mensah

      Reference
      CND-8F21K
      Status
      In transit
      Arrives
      In minutes
      Cards
      Monthly limit$132.40 of $500
      Card activity
      • Streaming subscriptionToday · USD
        −$11.99
      • Cloud storageMon · USD
        −$2.99
      Activity
      Ada OkaforCenda Tag@adaokaforVerified · Tier 2
      • Personal details
      • Security & Face ID
      • Limits & preferences
      • Notifications
      • Help & support

      Cenda · Move Money. Move Business.

      Cenda app · interactive preview Swipe the cards, try the tabs, send money. Sample data and example rates.

      What you can do with Cenda

      Everything you need to move money, in one place.

      For your own money and your business, across Africa and beyond.

      Send & receive

      Pay across borders, and watch it land.

      Pay suppliers, get paid by clients and send money to family in other countries. Follow every payment until it arrives.

      PersonalBusiness
      Get early access
      Supplier payment · AccraOn its way
      ₵126,623.38
      from ₦12,500,000.00 · Nigeria to Ghana
      1. Payment sent09:41
      2. Exchanged at your rate09:41
      3. On its way to their bank09:42
      4. Delivered09:44
      Many currencies

      Hold many currencies. Exchange at great rates.

      Naira, cedis, rand, CFA francs, dollars, pounds and euros in one account, plus digital dollars on personal accounts. You always see the rate and the exact amount before you confirm.

      PersonalBusiness
      Get early access
      ConvertRate locked 30s
      You convert₦1,000,000.00
      NGN
      You get$649.35
      USD
      $1 = ₦1,540 · example rate
      Business Suite

      Pay your whole team. Approve with confidence.

      Invoices, payment links and bulk payouts in one dashboard. Team roles and approvals keep every payment accountable.

      Business
      Join as a business
      March payroll · 48 recipientsPaying
      48 of 48 paid
      • Adaeze O. · NGN₦850,000.00
      • Thabo M. · ZARR18,400.00
      • Kwame A. · GHS₵9,200.00
      Finance approvedOwner approved
      Everyday payments

      Bills, airtime and cards, from any balance.

      Pay electricity, TV and internet. Top up airtime and data for yourself or your whole team in bulk. Spend online with virtual cards.

      PersonalBusiness
      Get early access
      Electricity · prepaidToken sent by SMS
      ₦25,000.00
      Bulk data · 48 staff2 GB each · delivered
      ₦96,000.00
      Virtual card createdMarketing · limit $500/mo
      •••• 4821

      eSIM for travel

      Data abroad in minutes. No roaming bills.

      PersonalBusiness

      Digital dollars

      Keep money in US dollar value (USDC) next to your other balances.

      Personal

      Virtual cards

      Subscriptions and online spend, with a card per team.

      PersonalBusiness

      Book flights

      Search, book and pay for flights from any balance.

      PersonalBusiness

      More on the way

      More countries and services as we grow.

      Services roll out in stages. Availability varies by country and is subject to partner and regulatory approval.

      Personal & Business

      Built for you, and for the business you run.

      Cenda Personal

      For freelancers, remote workers, students, travellers and families across borders.

      • Get paid by clients abroad and exchange at great rates
      • Send to family in other African countries
      • Bills, airtime and data, plus flights and eSIMs when you travel
      • A virtual card for subscriptions, plus digital dollars
      Join as Personal

      Cenda Business

      For SMEs, importers, traders, agencies and finance teams.

      • Pay suppliers in other countries from any of your balances
      • Invoices, payment links and bulk payouts with approvals
      • Bulk airtime and data for staff, plus team virtual cards
      • Team roles, approvals and records your accountant will love
      Join as Business

      Cenda Business

      Built for every type of business

      One payment platform for the way your business works: simple, secure and ready to scale.

      Accept payments

      Share a payment link, send an invoice or add checkout to your website, and see every payment land in your balance.

      Payouts

      Pay salaries, vendors and refunds in bulk from one file, with approval before any money moves.

      Pay suppliers abroad

      Pay suppliers in other countries from any of your balances, at a rate you see before you pay.

      Team roles and approvals

      Give each person the access they need. Payments wait for an approver, and every action is on record.

      Airtime, data and bills

      Top up airtime and data for your whole team in one go, and pay business bills from the same account.

      Connect your systems

      API keys and webhooks let your own software create payments and hear about them straight away.

      Join as Business

      How it works

      Getting started is simple.

      Join today and we'll invite you as soon as Cenda is ready for you.

      1. Join the waitlist Today

        Tell us if you're joining for yourself or your business. It takes a few seconds.

      2. Get your invite

        We'll email you when your account is ready. Waitlist members get in first.

      3. Start moving money

        Send, receive, exchange and pay bills from one account, on your phone or the web.

      Get early access.

      Waitlist members get access first, for personal and business accounts.

      We only use your email to tell you about Cenda.

      Joining as
      You're on the list. We'll email you as soon as early access opens.