Campaigns & Promotions

LemFi New Customer Rate Boost Campaign: EU, UK and Canada to Nigeria and Kenya - November 2026 to January 2027

13 Nov 2026 – 11 Jan 2027

EU

TERMS AND CONDITIONS

LemFi New Customer Rate Boost Campaign: EU, UK and Canada to Nigeria and Kenya - November 2026 to January 2027

These Terms and Conditions govern the LemFi New Customer Rate Boost Campaign: EU, UK and Canada to Nigeria and Kenya (the “Campaign”).

The Campaign is organised by LemFi, a brand operated by the following LemFi group entities, as applicable to the participant and the relevant service:

  • Lemfi-Europe Limited, a company registered in Ireland (company number 604979) and authorised by the Central Bank of Ireland as a payment institution (reference C182347), for participants whose LemFi account is with Lemfi-Europe Limited;
  • Pomelo Remits Europe Ltd, a company registered in Ireland, for other participants in the European Union;
  • RightCard Payment Services Limited, a company registered and regulated in the United Kingdom, for participants in the United Kingdom; and
  • Pomelo Technology Canada Ltd, a company registered and regulated in Canada, for participants in Canada.

These entities operate collectively under the LemFi brand in accordance with the laws and regulations applicable in their respective jurisdictions.

Participation in the Campaign is subject to these Terms and Conditions and the applicable LemFi terms of service.

2. Purpose of the Campaign

The Campaign aims to encourage new customers who send money from the European Union, the United Kingdom or Canada to Nigeria or Kenya to start sending with LemFi, by offering an improved exchange rate (a “Rate Boost”) on their first three (3) qualifying transfers during the Campaign Period.

The Campaign targets new customers: customers who have not completed a transfer with LemFi before the start of the Campaign Period, including customers who download the LemFi app and open an account during the Campaign Period.

The Campaign is an exchange rate promotion. It is not a referral programme, prize draw, competition or cash giveaway.

3. Campaign Period and Communications

The Campaign will run from 00:00 UK time (GMT) on Friday, 13 November 2026 to 23:59 UK time (GMT) on Monday, 11 January 2027 (the “Campaign Period”).

LemFi may promote the Campaign by email, push notification and in-app message during the Campaign Period.

The channels a participant receives may vary. LemFi may change these channels.

Marketing communications will only be sent to customers who have agreed to receive them, in line with their communication preferences.

4. Languages

Campaign communications will be available in English and French. These Terms and Conditions are also available in French. If the English and French versions differ, the English version applies, unless local law requires otherwise.

5. Participant Eligibility

To be eligible for the Rate Boost under the Campaign, a participant must:

  • Be at least 18 years old.
  • Hold a verified LemFi account with one of the LemFi entities listed in Section 1.
  • Be a new customer, meaning they have not completed a transfer with LemFi before the start of the Campaign Period. This includes customers who download the LemFi app and open an account during the Campaign Period.
  • Send in GBP from the United Kingdom or in CAD from Canada, to a recipient in Nigeria or Kenya, or in EUR from a supported sending market in the European Union, to a recipient in Nigeria.
  • Complete any required identity verification and satisfy LemFi’s account and transaction requirements before making a qualifying transfer.
  • Comply with these Terms and Conditions and all applicable LemFi terms of service.

Not every customer who receives a Campaign communication is guaranteed to qualify for the Rate Boost. Eligibility will be determined using LemFi’s records and the applicable Campaign criteria.

6. Promotional Offer

Eligible participants will receive a Rate Boost on qualifying GBP to NGN, EUR to NGN, CAD to NGN, GBP to KES and CAD to KES transfers during the Campaign Period. The Rate Boost is an improvement on LemFi’s standard exchange rate for the relevant currency at the time of the transfer (the exchange rate the LemFi application would show the participant for that transfer if they were not taking part in the Campaign) and is the same on every qualifying corridor:

Corridor Exchange rate
GBP to NGN Standard exchange rate improved by 1%
EUR to NGN Standard exchange rate improved by 1%
CAD to NGN Standard exchange rate improved by 1%
GBP to KES Standard exchange rate improved by 1%
CAD to KES Standard exchange rate improved by 1%

The boosted exchange rate will be displayed in the LemFi application before the participant confirms the transfer. An improvement of 1% means the recipient gets 1% more naira or Kenyan shillings for the amount the Rate Boost applies to than at LemFi’s standard exchange rate. For example, if a transfer would deliver ₦100,000 at LemFi’s standard exchange rate, a 1% Rate Boost means the recipient gets ₦101,000. The boosted exchange rate and the amount the recipient receives are each rounded down to two decimal places.

The Rate Boost is non-transferable and cannot be exchanged for cash or another benefit, except where required by applicable law.

7. How the Rate Boost Applies

The Rate Boost applies automatically to qualifying transfers made by eligible participants through the LemFi application. No promotional code is required.

The Rate Boost applies only to qualifying transfers that are among the participant’s first three (3) successful transfers with LemFi. Every successful transfer counts towards these three (3), whatever its corridor. Cancelled, reversed, refunded and failed transfers do not count towards these three (3). On each qualifying transfer, the Rate Boost applies to the first €200, £200 or CAD $200 sent (in the participant’s sending currency), and any amount above this receives LemFi’s standard exchange rate. Other transfers will receive LemFi’s standard exchange rate.

Qualifying transfers remain subject to the participant’s applicable transfer limits. The Campaign does not change or increase any transfer limits.

8. Validity and Expiry

The Rate Boost is available only during the Campaign Period. Transfers confirmed after the end of the Campaign Period will receive LemFi’s standard exchange rate. No extension will be provided unless LemFi expressly decides otherwise.

9. Qualifying Transactions

To qualify for the Rate Boost, a transfer must:

  • Be initiated through the LemFi application by an eligible participant.
  • Be one of the participant’s first three (3) successful transfers with LemFi.
  • Be sent in GBP from the United Kingdom or in CAD from Canada, to a recipient in Nigeria or Kenya, or in EUR from a supported sending market in the European Union, to a recipient in Nigeria.
  • Be confirmed by the participant within the Campaign Period (even if the recipient is paid after it ends) and then be successfully completed.

Cancelled, reversed, refunded, failed, fraudulent or otherwise invalid transfers do not qualify.

10. Rate Boost Conditions

The Rate Boost:

  • Is available only to eligible participants.
  • Is for the eligible participant only.
  • Is non-transferable and may not be sold, assigned or transferred.
  • Cannot be exchanged for cash.
  • May not be combined with another promotional offer unless LemFi expressly permits it. (This does not stop a participant using LemFi Cash on the same transfer.)
  • Ends at the end of the Campaign Period.

11. Campaign Targeting

The Campaign targets new customers who send money from the European Union, the United Kingdom or Canada to Nigeria or Kenya with LemFi.

LemFi may use account status, verification status, transaction history, sending market, currency and supported destination corridors to identify and segment eligible customers.

Not all LemFi customers will receive Campaign communications or qualify for the Rate Boost. Receiving a Campaign communication does not by itself guarantee eligibility.

12. Fraud, Abuse and Disqualification

LemFi may withhold or cancel the Rate Boost where it reasonably determines that a participant has engaged in fraud or attempted fraud, abused or manipulated the Campaign, provided false or misleading information, used multiple accounts to obtain multiple promotional benefits, breached LemFi’s terms of service, or conducted suspicious, unauthorised or invalid transactions.

13. Personal Data

Personal data processed in connection with the Campaign may be used to:

  • Identify eligible participants.
  • Manage Campaign communications.
  • Determine verification and transaction status.
  • Verify qualifying transactions.
  • Apply the Rate Boost.
  • Prevent fraud and abuse.
  • Comply with legal and regulatory requirements.

Personal data will be processed in accordance with LemFi’s applicable privacy policy and relevant data protection legislation.

14. Limitation of Liability

To the extent permitted by applicable law, LemFi is not responsible for technical failures or circumstances outside its reasonable control that prevent a participant from completing a qualifying transfer within the Campaign Period.

Nothing in these Terms and Conditions excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

15. Modification, Suspension or Cancellation

LemFi may modify, suspend or cancel the Campaign where reasonably necessary, including due to fraud or suspected abuse, technical issues, regulatory requirements, force majeure or other circumstances beyond its reasonable control.

Material changes will be communicated where required by applicable law. A change, suspension or cancellation does not affect a transfer that a participant has already confirmed at a boosted exchange rate.

16. Applicable Terms

Participation in the Campaign remains subject to the applicable LemFi Terms of Service, privacy policy and other policies governing use of the LemFi application.

Where these Terms and Conditions conflict with mandatory legal requirements, the mandatory legal requirements prevail.

These Terms and Conditions are governed by the same law, and any dispute about them is resolved in the same way (including any arbitration), as under the participant’s LemFi Terms of Service. This does not affect any mandatory rights the participant has under the law of their country of residence.

17. Contact

For questions about the Campaign, participants may contact LemFi at:

  • Email: support@lemfi.com
  • Social media: @UseLemFi on Instagram, Facebook and TikTok.