Accrue: Send. Spend. Sell.

Accrue: The cross-border payment app.

Need an easier way to pay and get paid across Africa and the US? Accrue helps you send money to family and friends in minutes, save in US dollars to earn daily interest, shop online with virtual and gift cards, and grow your money through simple investing - all from your phone. Join thousands of people who trust Accrue to handle their money safely and simply.

Here's How Accrue Works for You:


Send Money to Family & Friends Quickly

Need to send money to loved ones across Africa? With Accrue, you can send money to any African country in just minutes! Send directly to their bank account, MoMo, or MPesa, and they'll get it right away. We give you great rates when sending to Ghana, Nigeria, Kenya, South Africa and other countries, so you keep more of your money.


Get Your Own Dollar Account

Receive payments in dollars from anywhere in the world with your personal USD account. Perfect for getting paid by international clients or receiving money from family abroad.



Send Money to US Bank Accounts

Got friends or family in the US? Send money straight to their bank account with just a few taps. Simply enter their bank info once and you can send them dollars anytime - it's quick, safe and easy! No confusing bank codes or complicated forms to fill out.



Shop Online with Virtual Cards

Shop on international websites easily with our virtual dollar cards. Create a card in seconds, add money instantly, and make secure online purchases anywhere in the world.



Get Gift Cards & Digital Essentials

Shop at popular stores like Amazon, ASOS, PlayStation Network, and App Store with our digital gift cards. Top up your phone airtime or get instant eSIM data plans for travel - all in one place.



Grow Your Money Daily in Dollars

Keep your money safe in dollars and watch it grow every day! Simply deposit your local currency and start earning interest daily - no complicated terms or hidden fees.



Save for What Matters

Whether it's a new phone, a dream vacation, or your child's education, Accrue helps you save for your goals. Save on your own or team up with friends in fun savings challenges to reach your targets faster.




Lock Your Savings for Better Results

Want to avoid touching your savings? Our Vault feature lets you set aside money until a date you choose. Perfect for saving up for big purchases or special occasions.



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