Get the details needed to assess nSave for international payments, including where its business account is available, what it offers and what it costs
Key takeaways
- nSave offers personal and business accounts, with business accounts available in Nigeria, Kenya and Morocco
- Business users can receive, hold, convert and send USD, EUR and GBP through local account details
- nSave business accounts have a US$10 one-time setup fee, while USD/EUR SWIFT transfers cost 0.3%
- The World Account by WorldFirst is a multi-currency account providing local account details in 15+ currencies
nSave is a global payments provider offering domiciliary accounts for sending, receiving, holding and converting multiple currencies.1,2
In Africa, its business accounts are available in Nigeria, Kenya and Morocco. Ghana is not currently supported.1 The business accounts have a US$15 one-time setup fee and transfers cost around 0.3%.3
This nSave review covers its features, fees and availability, and also looks at a multi-currency account, the World Account by WorldFirst.
What is nSave?
nSave is a cross-border payments provider that offers both personal and business accounts.1,2 Its personal account is primarily designed around sending money internationally, while its business account supports both receiving international payments and sending payments across the globe.1,2
Business customers can hold USD, GBP and EUR, with local account details that can be shared with clients, employers and payment platforms.1 Businesses can also convert between USD, GBP and EUR, pay team members and withdraw funds to local bank accounts.1 One limitation is that GBP accounts held by customers in Nigeria cannot receive incoming funds.4
Pros and cons of nSave
| Pros |
Cons |
- Provides USD, GBP and EUR local account details1
- Comes with a virtual card that supports spending in 180+ countries5
|
- nSave business is not available in Ghana
- EUR/USD transfers cost 0.3%, while GBP payments cost US$1 per transaction3
- Nigerian customers cannot receive incoming payments into their GBP accounts4
|
nSave features available in Africa
Receive international payments
Business users can receive international payments through USD, GBP and EUR accounts.1 USD accounts provide ACH and wire details, GBP accounts provide sort code and account number details, while EUR accounts use an IBAN for SEPA payments.1
Businesses can also hold USD, GBP and EUR balances and convert between them anytime, without relying on banking hours.1
Send international payments
nSave business accounts can also be used to send funds internationally.1 Businesses can pay suppliers, team members and other recipients, including transfers to local bank accounts.1 Payments between nSave accounts can also be made directly, while international transfers are subject to the applicable fees.1
Virtual card
nSave also provides a virtual Mastercard for online and international payments.5 The card can be used for online purchases and subscriptions, with controls such as instant freeze and unfreeze available through the app.5 The card can be added to Apple Pay or Google Wallet for contactless payments.5 nSave also states that it charges no foreign transaction fees when paying in local currency via the card.5
Digital onboarding and account access
nSave is a digital platform, with account opening and management handled online rather than through branches.1 Its onboarding process requires identity and address verification, while business applicants may need to provide company registration and authorised-person documentation.1
nSave fees
| Fee type |
nSave3 |
| Business account setup fee |
US$15 one-time |
| Monthly account fee |
Not specified |
| USD/EUR SWIFT transfer |
0.3%, (min. US$14.99, max. US$24.99) |
| GBP payment |
US$1 per transaction |
| Currency conversion |
0.6% |
| Card issuance fee |
Not specified |
| Deposit fee (into nSave account) |
Not specified |
| Interest / return on balances |
Not specified |
| Withdrawal fee (to local bank account) |
Not specified |
*Fees checked in August 2026
How to open an nSave account
- Register: Create an nSave account and select the business account option.
- Verify: Submit company registration, proof of address and authorised representative ID, as required.
- Get approved: Complete verification; availability and requirements vary by country and account type.
→ Read more about nSave alternatives
The World Account: Built for global businesses
Businesses that need to make frequent cross-border transactions can use WorldFirst’s multi-currency account, the World Account, to send, receive, hold and convert funds in multiple currencies. The account provides local account details in 15+ currencies, including USD, EUR, GBP, CNH, AUD and NZD. Instead of setting up separate bank accounts in different countries, businesses can use these local currency accounts to collect overseas payments in the World Account. Balances can then be used for further cross-border payments or transferred back to a business bank account.
Businesses can also collect payments from 130+ marketplaces and payment gateways, including Amazon, Etsy and Stripe, and send payments in 100+ currencies across 200+ countries and regions. The World Account also supports direct supplier payments to China in CNH and is linked to the World Card, a Mastercard-powered business payment card supporting payments in 150+ currencies. Whenever any payment is made via this card with sufficient balances held, no fee is charged.
Key features include:
- Payments between World Account holders are instant and cost nothing
- Up to 20 virtual cards can be created at no extra cost
- Payments in the 15 supported currencies incur no currency conversion fee.
- Xero and NetSuite integrations support reconciliation
Main fees
| Fee type |
World Account fees |
| Monthly fee |
Zero |
| Opening virtual local currency accounts |
Zero |
| Receiving payments |
Zero |
| Holding funds in multiple currencies |
Zero |
| Sending payments |
Refer to in-portal pricing; vouchers may apply |
| Currency conversion |
Refer to in-portal pricing; vouchers may apply |
| World Card |
Zero for up to 20 cards |
*Fees checked in August 2026
FAQs
1. What is nSave and how does it work?
nSave is a global payments provider offering personal and business accounts.1,2 Its business account supports receiving, holding, converting and sending USD, GBP and EUR, with local account details for international payments.1
2. Is nSave available in Nigeria, Morocco, Ghana and Kenya?
nSave’s business offering is available in Nigeria, Morocco and Kenya.1 Ghana is not currently supported.1
3. What are the alternatives to nSave for African businesses?
As a business in Africa, you can choose from a range of international payment providers, with availability, currencies and fees varying by country. The World Account by WorldFirst provides local account details in 15+ currencies across 200+ countries and regions.
Sources
- https://www.nsave.com/business
- https://www.nsave.com
- https://www.nsave.com/pricing
- https://intercom.help/nsave_help_center/en/articles/13572268-gbp-accounts-on-nsave-what-you-can-and-can-t-do
- https://www.nsave.com/cards
This article is intended for informational purposes only and does not constitute legal advice or professional advice. This article should not be regarded as constituting an offer or a solicitation to buy or sell any regulated or financial products or services. WorldFirst makes no representations or warranties regarding the accuracy, completeness, or applicability of the content, and readers are encouraged to consult with legal professionals or other professionals for advice tailored to their specific situation. WorldFirst does not guarantee the accuracy and completeness of this article and expressly disclaims any and all liability to any person in respect of the consequences of anything done or omitted to be done wholly or partly in reliance on this article.
