Bringing two continents closer
We are building a simple, secure and cashless way for customers in the UK to send money online to Nigeria and Ghana.
Our story
TwintaPay is a trading style of United Exchange Ltd, created to support customers who want a simple and cashless way to send money from the UK to Nigeria and Ghana.
United Exchange Ltd has been incorporated since 2011 and is registered with the FCA and HMRC for money service activity. TwintaPay is being developed as part of our move towards a fully online remittance model focused on clear pricing, secure customer verification and reliable payout options through approved partners.
What we believe
Customers should be able to understand the exchange rate, fees, expected receive amount and payout options before confirming a transfer. Our aim is to keep the process clear, secure and easy to use while meeting our compliance obligations.
Where we are starting
We are starting with two corridors: Nigeria and Ghana. Additional destinations may be added in future, subject to partner availability, compliance approval and operational readiness.
What we stand for
Speed
Money that moves as fast as life does — usually within minutes.
Secure by design
Your transfer is supported by identity checks, transaction monitoring and secure online payment controls.
Fast online journey
Create your transfer online in a few simple steps, without visiting a branch or handling cash.
Made for family support
Built for UK customers sending money to loved ones in Nigeria and Ghana, with a simple and trusted experience.