m-naira Mobile App transfer to external GSM Number – Allows you to transfer money to any external GSM number safely and easily from anywhere in the world.

Once the transaction is completed, your receiver will receive a 4 digit PIN via SMS. Your receiver can show this PIN to any m-naira Agent or use it at any cash withdrawal machines or ATMs for cash out.

Sender’s account will be debited by the entered amount + convenience fee.

Send Mobile Phone Transfer


  • Open m-naira App
  • Go to Send Money -> select Mobile Phone Transfer or email
  • The screen will show your current balance and field to enter the amount for the transaction.
  • If the entered amount is greater than the current balance, the app will ask to add funds to your wallet via Voucher or Debit Cards.
  • Click on NEXT -> Enter recipient’s number by either selecting from the contacts list or enter manually.
  • Enter the reason of your transfer there. E.g., For Dinner, For Electricity etc.
  • Click on NEXT -> A detailed confirmation screen will show which includes Amount to transfer, Your recipient, Reason of transfer, Convenience fee for that transaction, Total amount to pay and how much amount your recipient will receive.
  • Click on TRANSFER NOW -> OTP will be sent to your registered number. In most cases, the app will auto-detect OTP or enter OTP manually.
  • Click on NEXT -> If the transaction is a success, app will show success screen and send SMS to the receiver otherwise app will show error there and you can re-try from there.

CashOut Mobile Phone Transfer

When your receiver receives 4 digit PIN, he/she may go to any nearby m-naira user to cash out for that transaction. m-naira app user will use that PIN in his/her m-naira Mobile App and perform cash out for that transaction.


  • Open m-naira App
  • Go to Settings -> select Mobile Transfer CASH OUT.
  • The new screen will ask you to enter the recipient number and PIN recipient has received via SMS.
  • Click on NEXT -> Detail screen will open which shows Recipient Number and PIN.
  • Click on CONFIRM -> App will verify if entered details are correct or not.
  • The app will show success screen if details are correct and the agent can pay to recipient otherwise the app will show an error message.

My Mobile Phone Transfer Requests

If you have received any Mobile Phone Transfer requests and you don’t want to go to any agent or third-party service then use m-naira Mobile App to receive cash out for your received transaction.