Send home.
Grow your
future.

In most cases, your family receives the money within 2 minutes. We connect to the fastest available transfer network for your chosen corridor in real time. Some routes (e.g. bank deposits vs mobile money) may take slightly longer — we always show you the estimated time before you confirm.

Absolutely not. We show you the exact fee, the exact exchange rate, and the exact amount your family will receive — all before you confirm. What you see is what you pay. We make money through a small transparent fee (shown upfront) and through our affiliate relationships with providers. Your family always gets the rate shown.

Minimum: £10 per transfer. Maximum: £5,000 per transfer for standard accounts, up to £25,000 for verified accounts. Higher limits available on request with enhanced verification. These limits are set by our regulated transfer partners to comply with anti-money laundering regulations.

At launch we support Nigeria (NGN), Ghana (GHS), and Kenya (KES) from GBP, USD, and EUR. We're rapidly expanding — Zimbabwe, Zambia, Tanzania, Senegal, and Côte d'Ivoire are next. Join the waitlist and tell us your corridor — it directly influences which routes we prioritise.

Yes — you can withdraw at any time. There are no lock-in periods and no exit penalties. Most withdrawals process within 1–3 working days back to your linked bank account. The only exception is if your chosen fund has a short settlement period (we'll always tell you this before you invest).

Just £5 per transfer. We built it this way deliberately — so that every single remittance, no matter how small, can also grow your wealth. You set your invest slice as a percentage or a fixed amount and the Steward handles everything else.

The AI Steward is a rules-based robo-adviser that runs in real time. When you set your invest slice, it:

1. Reads live UK gilt yields, African equity index performance, and global macro signals
2. Matches your chosen goal (Home, School, Future, Business) to an optimal fund allocation
3. Executes the investment instantly through our FCA-regulated investment partner

Every decision is shown to you in plain English before you confirm. The Steward never moves money without your explicit approval.

Our medium-risk Home Fund targets approximately 5–6% per year, based on current UK gilt yields and African equity performance. Higher-risk Future Fund targets 7–9% but with more volatility. Lower-risk options (School Fund) target 3–4%.

Important: These are estimates, not guarantees. Investments can go down as well as up. Your capital is at risk. We never oversell returns.

0.45% per year on your invested balance — charged monthly, shown clearly in your portfolio. There are no entry fees, no performance fees, no withdrawal fees. On a £500 portfolio, that's £2.25 per year. We believe investment fees should be transparent and tiny.

Your money is never held by DeepWell directly. All transfers are executed through FCA-regulated transfer partners, and all investments are held by FCA-regulated investment custodians — completely ringfenced and separate from DeepWell's own operating funds.

If DeepWell were to close, your investments would remain with the regulated custodian and would be returned to you. Your cash deposits are FSCS-protected up to £85,000.

DeepWell Capital Ltd is currently in the process of obtaining its own FCA authorisation. In the meantime, all regulated activities — transfers and investments — are conducted exclusively through our FCA-authorised partner network. Every partner is verified and listed on the FCA Register. We will display our FCA registration number here the moment it is granted.

Your data is encrypted at rest and in transit using 256-bit AES encryption — the same standard used by major banks. We are GDPR compliant, never sell your data to third parties, and only share what is legally required with regulated financial partners. You can request deletion of your data at any time by emailing hello@deepwellcap.com.

We're launching to the first 1,000 members in Q3 2026. The waitlist is free — join now to lock in your spot and get 12 months of DeepWell Plus at no cost (first 250 members). We'll email you directly when your access is ready. No spam, ever.

At launch, yes — you'll need a UK bank account or e-money account (Monzo, Revolut, Starling all work) to fund your transfers. We're working on supporting direct debit, open banking, and international card payments for users in the US and Canada. Join the waitlist and tell us your country — it shapes our roadmap.

Sending money is free to use — we earn a small affiliate commission from our provider partners when you send (this doesn't affect the rate you see). The invest feature charges 0.45% per year on invested balances, billed monthly. Early access members (first 250) get 12 months of all premium features completely free.