We are not a bank. We are a bulldozer.

The first global app that pays you to save, spend, and send money
— all in one place.

A Global Account
That Prioritizes You

Say goodbye to the barriers of the conventional financial system.
Step into the new era of financial liberation where your money knows no borders, no restrictions, no exorbitant transaction fees,only growth!

Earn up to 5.77% Money Markets yields, on-chain

Isn't it time we let our money work for us? Get higher, more stable returns than classic savings accounts. Diversify your portfolio with Sukuk and U.S. treasury bills. An unmatched level of confidence knowing your assets are indirectly backed by the full faith and credit of governments. Withdraw and get paid on a 24/7 basis. No minimum deposit.

Teleport your money from one country to another, fee-free

Whether it is Italy or Mexico, save up to 15x when sending mone there — Oh, 0% exchange rate mark-up and no sneaky hidden fees! Even no more entering account numbers.

Send money in 100+ currencies to your contacts or anyone in our global search in seconds.

Send money instantly to bank and mobile money accounts in 90+ countries.

Send and receive stablecoins within seconds from external wallets.

Pay With The Most
International Card

Sick of overpaying card transaction fees? Banish that feeling forever.
Create your virtual cards to shop globally while saving 4.5% on fees, and link them to Google Pay and Apple Pay to start spending immediately! Get a sleek, mirror stainless-steel, numberless credit card with a premium experience that embraces both security and an aura of exclusivity. Access your card details anytime, within our app.

A Smarter Card

Earn up to 35%

unlimited cash-back on your favorite brands, for real!

Welcome to our virtual shopping mall! Where else can you shop from numerous top brands and get up to a 35% cash-back on every purchase? Imagine the hundreds or even thousands of dollars you could be pocketing each year! Be a smarter shopper.

With your MoneyFlap account, go from underserved to what you deserve

Global cash-in and cash-out

Easily deposit and withdraw cash at any MoneyFlap location or at over 350,000 MoneyGram ™ locations in 181+ countries.

Easy deposits and withdrawals

Quickly link your account to thousands of local and international mobile wallets, banks, and crypto exchanges.

Buy airtime and data

Quickly recharge credit and data for any phone, globally. Get 6% cashback on top-ups during weekdays and 10% on weekends.

Flawless bill payments

Effortlessly pay bills worldwide in just a few clicks, with zero extra fees. Also, enjoy 3% cashback on every bill payment in select countries.

Receive your paycheck

Share your bank details with your employers worldwide, and receive your hard-earned money. Fric, not friction!

Smart subscriptions management

Signed up for a trial with your card and forgot to cancel? Block all unwanted subscriptions in-app.

Scan & Pay at thousands of merchants

Whether it is a taxi, restaurant, or gas station, we've got you! Scan that QR code and earn rewards. (Available Soon).

Real-time Spending Insights and Analytics

Our intelligent analytics presents you with easy-to-understand charts and a summary of your transactions so you can track your finances and make better spending decisions. No spreadsheet. No calculator!

Connect, Feel,
and Engage Like You’re There!

Connect with your loved ones via our end-to-end encrypted messaging and calling service. Share multimedia content, laugh over GIFs, and organize group chats, all under secure corridors. No friends? No worries! Chat with our humanlike AI assistant for outfit tips or movie recommendations.

Fast Loans, No Fuss:
Switch On The 0%

Why let emergencies spoil your good night's sleep? Borrow instantly any amount using your money saved as collateral and repay in up to 25 easy installments – your first payment can be made within 90 days after approval! No hidden fees. No interest. No credit checks.

Available Soon

We do SIMs too!

Travel smart, enjoy unlimited roaming with MoneyFlap eSIM! Forget the old-fashioned ways of changing cards or hunting down Wi-Fi spots abroad. Be it a trip to Paris or an exotic vacation - connect your life with just a click.

Available Soon

We Take Your Security to New Heights

Compliance-first

From day 1, we are certified, audited, and regulated across multiple jurisdictions.

Break-free control

Push notifications, 2-step verification, biometrics, card controls, and fraud detection to protect you from any fraudsters, 24/7.

Bankruptcy remotel

Your money are fully segregated and held with regulated custodians and are secured by Treasury Bonds rated AAA/AA+ by Moody's, S&P, and Fitch.

VIP customer support

Have an account query at 3 am? Ok. Chat with our team 24/7 through the app.

Your Legacy, Not Theirs

Open your account in 2 minutes, verify your ID, and start enjoying your Everything app.