Now live in Nigeria & Ghana
Receive in euro.
Pay out in naira.
HARMIC connects European payment rails with African payouts — so freelancers, agencies and businesses get paid faster, with mid-market rates and no hidden spread.
SCA compliant
EUR · USD · NGN · GHS
0.4% avg. fee
You sendThey get
€1,000
₦1,712k
Arrives in ~2 minutes
Live corridors
Mid-market rates,
no surprises.
We use the same rate Reuters reports — and add a flat, transparent fee.
Europe → Nigeria
1 EUR=
1,712.40 NGN
LiveUpdated 12s ago
USA → Nigeria
1 USD=
1,584.10 NGN
LiveUpdated 12s ago
Europe → Ghana
1 EUR=
16.82 GHS
LiveUpdated 12s ago
USA → Ghana
1 USD=
15.55 GHS
LiveUpdated 12s ago
How HARMIC works
Three steps from Frankfurt to Lagos.
01
Get a EUR & USD account
Receive payments from clients, marketplaces or employers — like a local.
02
Convert at mid-market
We hold balances in EUR, USD, NGN and GHS so you choose when to convert.
03
Pay out instantly
Send to any Nigerian or Ghanaian bank account in minutes, 24/7.