Tuma Hela is a specialized global remittance and direct payment platform primarily for the African Diaspora. We enable you to send money with 100% control, ensuring funds are paid directly to verified service providers (schools, hospitals, vendors, etc.), eliminating the risk of misuse by intermediaries.
Who founded Tuma Hela?
Tuma Hela was founded by African Diaspora tech experts, in partnership with the local group. We combine global tech standards with deep local market knowledge.
Is my money safe with Tuma Hela?
Yes. We utilize cutting-edge financial technology and security protocols. Funds are only disbursed to pre-verified institutions and merchants through our secure portal.
Which countries can I send money from?
We currently support transfers from the US, UK, Canada, Germany, Australia, and a total of 22 Diaspora countries. Check our sign-up page for the full list.
Services and Control
How does the "100% Control" system work?
Instead of sending cash to a relative, you use Tuma Hela to instruct a Direct Payment. For example, to pay school fees, you authorize Tuma Hela to pay the exact amount directly to the school's verified account. The funds never pass through a personal account.
What services can I pay for directly?
School Fees, Rent, Mortgage Payments, Hospital Bills, Internet/Digital TV Subscriptions, Airtime Purchases, Assured Food/Grocery Purchases (via partners like Citizen Duka), and verified Construction/Project Milestones.
What is "Chini ya Mattress"?
Our emergency cash advance solution. It lets you immediately send a small, pre-authorized amount of cash to your loved one for unexpected and urgent needs — an instant financial safety net.
Can I fund a construction project?
Yes. Our Project Assurance service lets you approve and release funds directly to verified contractors or suppliers based on predefined project milestones.
Transactions and Fees
What are your exchange rates and fees?
Our exchange rates are competitive and shown transparently before you finalize any transaction. We charge a minimal, transparent transaction fee, also stated upfront. No hidden charges.
How long does a Direct Payment take to reach the provider?
Most direct payments (bills, fees, airtime) are completed and confirmed within minutes to a few hours. Project assurance disbursements may take up to 24 hours.
What if a service provider isn't yet partnered with Tuma Hela?
You can recommend them! We'll initiate verification and onboarding under our Partner with Us program to facilitate your payment.
What happens if a payment fails or needs a refund?
In the rare event of a failure, funds are immediately reversed to your Tuma Hela account. Refunds are returned securely to your Diaspora account through our system.
Merchant/Service Provider Partnerships
How can my business partner with Tuma Hela?
Apply through our Merchant/Service Provider Inquiry Form. You'll need business information and verifiable KYC documents (Certificate of Incorporation, KRA PIN, bank details, etc.).
What are the benefits for merchants?
Guaranteed, assured revenue from high-value Diaspora customers, reduced payment disputes, streamlined settlement, and free marketing visibility.
Where can I find the Partnership Agreement?
The full Tuma Hela Merchant/Service Provider Partnership Agreement is available for review, download, and e-signing on the Partner section of our website.
Tuma Hela Is The Fastest Mobile Banking Solution
100% control, live exchange rates, and full transaction tracking — right from your pocket, wherever you are.
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Sent to Kenya this month
$980.00
GA
Greenview Academy
School fees
$254.99
MN
Mary Njeri
Family support
$122.99
KP
Kiptoo Power
Utilities
$45.00
Payment Successful
Delivered to Greenview Academy
$254.99
100% Control verified
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