Terms of Service

Nkap is a free comparison and education tool from the Money in America YouTube channel. It compares published fees and exchange rates of money-transfer services and shows what a receiver would get on a given send. Nkap is not a bank, not a money transmitter, and never receives, holds, or sends your money. Any transfer you make is a separate agreement between you and the provider you choose.

Everything on this site is education, not financial advice. Nothing here is a personal recommendation. Providers' fees and exchange rates change constantly — sometimes minute to minute — so always confirm the final fee, rate, and amount to be received in the provider's own app or website before you send.

Figures on this site come from providers' own published pages. Where a figure has been checked, the page shows the date it was checked. Figures marked "Preview rate" are estimates that have not yet been re-verified and may differ from a provider's live quote. Promotional and first-transfer rates are labelled wherever they appear and never decide the ranking.

Results are ranked by what the receiver gets, highest first — never by referral payments. Some providers pay us a referral bonus and some pay nothing; the ranking does not take that into account. See the affiliate disclosure in the footer of every page.

Provider names, logos, and trademarks belong to their owners. Listing a service is a comparison, not an endorsement, and Nkap is not affiliated with the providers it lists except where a referral arrangement is disclosed.

The site is provided "as is" without warranties of any kind. Rates and availability can change without notice, and we are not responsible for a provider's pricing, delivery times, or service. To the fullest extent allowed by law, our liability for any claim arising from use of this site is limited to the amount you paid us to use it — which is zero, because the site is free.

We may update these terms; the current version will always be on this page with its date. Questions can be raised through the Money in America YouTube channel (@MoneyInAmericaUS).