CONNECTING
Open Banking gateway
Clicks into your bank's secure consent screen so you authorise with FaceID — one tap, and nothing beyond the payment confirmation is shared.
Your money will drop.
No stress.
No app-hopping. No rate comparing. Owodrop finds the best live rate across wholesale providers in real time, you pay by bank in one tap, and the money drops straight into the recipient's account. You just pick the amount.
- Live rate engine
- Best rate, automatically
- Blended live every 10 seconds
- Instant pay-by-bank
- One tap. No typing.
- FaceID · secure account-to-account
- Flat fee · Month 1 free
- 10p flat. £0.00 now.
- No percentage cuts. Ever.
Step 1 · The best rate, instantly
The best rate, automatically
Owodrop blends live wholesale rates from multiple providers and serves you the best one for your corridor. No comparison websites, no guesswork — you save roughly £3–£12 per transfer, every time.
Where's the money going?
Pick the corridor and the amount — Owodrop does the rest.
Ready — choose a corridor and see your rate.
Your blended wholesale rate
British Pound → Nigerian Naira
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Live rate
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They receive
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You save vs. a typical provider
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Typical transfer companies add roughly 0.55% on top of the mid-market rate. Owodrop routes through wholesale rails and passes the rate straight through — the only charge is the flat 10p, which is free this month.
- Rate source
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- Flat fee
- £0.10 MONTH 1 FREE
- They get
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No rate yet.
Step 2 · Pay by bank
No card numbers. No sort codes. No typing at all.
Tap your bank, authorise with FaceID or fingerprint, and the money moves securely over account-to-account rails — Monzo, Starling, HSBC, Barclays and more.
Pay in three taps
Select the amount, tap your bank, authorise with biometrics. Owodrop then routes and pays out instantly.
Ready — pick a corridor, then tap “Pay by bank”.
Tap your bank
Bank selected
Pick a bank above.
✓ Authorised · open banking connected
Simulation: no money moves. In production this opens your bank's secure consent screen — nothing is shared with Owodrop beyond the payment confirmation.
Merchant of record: Loadcircle Ltd · Revolut · 23-01-20 · 74276923 · GBP
The connections
The rails behind the drop
Owodrop is a software layer over licensed payment rails. The rails stay private — what you see is the outcome: the cheapest live rate, locked in.
LIVE · PREVIEW
Wholesale FX pool
Blends mid-market feed data from multiple wholesale donors so you always get the best live rate — never a marked-up middleman rate.
PENDING
BaaS settlement
Licensed banking-as-a-service accounts move the money and hold the Loadcircle Ltd merchant-of-record books. No client float — software only.
PENDING
Payout rails
Local instant rails in Nigeria, Kenya, India and the Eurozone deliver the recipient's local currency at the locked rate.
Owodrop never names its rails — the only thing you ever see is the best rate we found, locked in.
Step 3 · Money drops
Dropped. Confirmed.
The moment it lands, a crisp digital receipt shows exactly what happened — corridor, locked FX rate, flat fee, zero hidden markup and what the recipient received.
Your receipt appears here the moment the money drops.
Money dropped
Receipt · Owodrop
- Route
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- Recipient
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- Paid via
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- Amount sent
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- FX rate locked
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- Flat fee · Month 1
- £0.10 £0.00 0% MARKUP
- Recipient receives
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- Merchant of record
- Loadcircle Ltd · Revolut · 23-01-20 · 74276923 · GBP
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Why it's easy
Built to be clutter-free
No comparing
The best blended wholesale rate is served to you automatically — you'll never shop around again.
No manual typing
Tap your bank and authorise with FaceID — no card numbers, sort codes or account digits.
Automated routing
Owodrop picks the best wholesale rail and pays out in seconds — you get a receipt when it lands.
Flat 10p fee
One flat fee, no percentage cuts — and it's completely free during your first month.