Send money home at the real rate.
One 3% fee and no markup on the exchange rate. Paid to MTN MoMo or Airtel Money, usually within minutes.
Fees and exchange rate
- Our fee (3%, min CAD 1.00)
- …
- Exchange rate markup
- None
- Total to pay
- CAD 100.00
Indicative rate. It locks for 2 minutes when you send.
Card payments by Stripe. Your card details never reach our servers.
Paid out to MTN MoMo or Airtel Money in Rwanda.- Idembe is operated by Idembe Payments Ltd, registered in Rwanda. We are preparing to register with FINTRAC.
How it works
Three steps to your family’s phone.
No branch, no cash pickup. Your family gets the money on the mobile wallet they already use.
- 1
Tell us how much
Type what you send, or what your family should receive.
- 2
Pay by card
Visa or Mastercard. Your rate is locked while you pay.
- 3
Delivered to their phone
Straight to MTN MoMo or Airtel Money.
First time? You verify your ID once with a photo ID and a selfie. It takes about 2 minutes.
Pricing
What CAD 100 actually delivers.
Many providers hide part of their price in the exchange rate. Here is a CAD 100 transfer at today’s mid-market rate of 1,055 RWF.
- IdembeFeeCAD 3.00Rate markup0%Total costCAD 3.00Family receives102,335 RWF
- Western UnionFeeCAD 8.00Rate markup4%Total costCAD 11.68Family receives93,178 RWF
- Bank wireFeeCAD 25.00Rate markup5%Total costCAD 28.75Family receives75,169 RWF
Other providers’ fees and markups are estimates from their public pricing. Your actual cost may vary.
Save about CAD 9 to 26on every CAD 100 compared with bank wires and traditional transfers.
What you get
Built for sending money home.
Made by Rwandans abroad who were tired of hidden rates and transfers that took days.
Usually within minutes
Paid straight to MTN MoMo or Airtel Money. No pickup, no bank account needed.
One fee, shown upfront
3% with a CAD 1 minimum and no markup on the rate. You see the exact RWF amount before you pay.
Protected at every step
Card payments by Stripe and ID checks by Didit. Your card details never reach our servers.
Track every transfer
A live status page from payment to delivery, with a receipt you can download.
Security
Who handles each step of your transfer.
We don’t hold your money. Card payments and ID checks are run by specialists you can look up, and the money lands in the wallet your family already uses.
1. Card payments
PCI-DSS Level 1
2. Identity checks
EU-licensed identity provider
3. Where your family receives
Their MTN MoMo or Airtel Money wallet, in Rwanda
ID check once
A government photo ID and a selfie, as Canadian and Rwandan anti-money-laundering rules require.
Limits that protect you
Up to CAD 2,000 per transfer and CAD 5,000 in any 30 days after verification.
Screened before payout
Every transfer is checked automatically. Anything unusual is reviewed by a person before it is paid out.
Idembe is operated by Idembe Payments Ltd, registered in Rwanda. We do not hold customer funds: card payments are processed by Stripe. We are preparing to register as a money services business with FINTRAC (Canada) and are not yet supervised by FINTRAC.
Be among the first fifty.
We're preparing a private sandbox for the first 50 testers. Join the waitlist for updates and an invitation when testing is ready. Test cards and simulated transfers only; live transfers are not available yet.