# Accrue: Send. Spend. Sell. — The cross-border payment app

> Cross-border payment app for sending, spending, and selling across Africa and the US. (iPhone/iPad app by Accrue DCA Limited.)

- Source: https://appshunter.io/ios/app/accrue-send-spend-sell/id1604973055 (this page in markdown: same URL + `.md`)
- Developer: [Accrue DCA Limited](https://appshunter.io/developer/1604973057)
- Category: Finance
- Price: Free
- Rating: 4.60/5 from 1,569 App Store ratings · 165 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 114 MB
- Languages: American English
- Released: 2022-01-18
- Data updated: 2026-08-24
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/accrue-send-spend-sell/id1604973055/reviews.md

## What is Accrue?

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.



Send Money to Friends for Free

Got friends on Accrue? Send them money instantly at no cost! Just use their @crewtag to transfer dollars quickly and safely.



Get Paid Easily with One Link

Share your personal payment link to receive money in your local currency - whether it's Naira, Cedis, or Shillings. Simple for you, simple for anyone paying you.



Sell Online with Ease

Run a business? Create your own online store through Accrue, sell to customers across Africa, and get paid instantly. A simple way to grow your business beyond borders.



Start Investing with Just $1

New to investing? Start small with as little as $1. Accrue helps you invest in top-performing assets and grow your money over time - no complex financial knowledge needed.



We've Got Your Back

No hidden fees or monthly charges. Just fast, secure, and reliable transaction. Need help? Our friendly support team is ready to assist through email, Twitter, or Instagram.



Download Accrue Now and Make Your Money Work Better for You!


Got Questions? Need Support?
Contact us at help@useaccrue.com. We're always happy to help!

## Key features

- Send money across Africa and to US bank accounts
- Receive payments in USD
- Shop online with virtual dollar cards
- Get digital gift cards and eSIM data
- Earn daily interest on USD savings
- Invest with as little as $1
- Create an online store to sell and get paid

## What do users think of Accrue?

Overall sentiment: neutral

**Pros**

- 🚀 Fast and reliable
- 👍 User-friendly interface
- 💰 Good rates and minimal fees
- 🔒 Secure transactions
- 💳 Useful virtual card feature
- 💸 Convenient for cross-border payments
- 🌐 Supports multiple currencies and countries

**Cons**

- 🐛 Account restrictions and suspension issues
- ⏱️ Slow virtual card issuance
- 💳 Problems with card usage and funding
- 🤖 Inconsistent customer support responses
- 💰 High charges for some services

**Commonly reported bugs**

- Login and password reset issues
- Delayed or missing fund transfers
- Compatibility problems with older devices
- Unexplained account restrictions

**Most requested features**

- Direct bank deposit and withdrawal options
- Expanded cryptocurrency support
- More investment and savings options
- Improved account verification process
- Better agent protection and dispute resolution

## Recent user reviews (10 of 165)

All indexed reviews: https://appshunter.io/ios/app/accrue-send-spend-sell/id1604973055/reviews.md

### 4/5 — Great experience

*2026-07-28, version 5.0.5*

Very easy to access

### 4/5 — Relabel

*2026-07-27, version 5.0.5*

Fast making

### 5/5 — A good way to use virtual cc’s in Ghana

*2026-07-23, version 5.0.5*

Awesome 😊

### 4/5 — Fast and reliable

*2026-07-16, version 5.0.4*

Good app, flexible and stable to use

### 4/5 — Virtual Card works

*2026-07-16, version 5.0.4*

i don’t have much to say. App looks cool and works perfectly. their virtual card is the best

### 4/5 — Very good

*2026-07-12, version 5.0.4*

Great app

### 5/5 — Loving it

*2026-07-12, version 5.0.4*

Love this app

### 5/5 — This Accrue app is faster and reliable. I love these.

*2026-07-11, version 5.0.4*

Wow

### 5/5 — Accrue

*2026-07-10, version 5.0.4*

Accrue is the best❤️

### 5/5 — Scientist

*2026-07-10, version 5.0.4*

I enjoyed the app since I registered with them

## Frequently asked questions about Accrue

### What does Accrue do?

Accrue is a cross-border payment app designed to simplify sending and receiving money between Africa and the US. It allows users to send money to family and friends, save in US dollars to earn interest, shop online with virtual cards, and even start investing.

### What are the key features of Accrue?

Key features include fast money transfers to various African countries and US bank accounts, a personal USD account for receiving international payments, virtual dollar cards for online shopping, digital gift cards, eSIM data plans, daily interest earnings on USD savings, and simple investing starting from $1.

### Is Accrue free to use?

The app is free to download and use, with in-app purchases available for services like virtual cards and gift cards. Sending money between friends on Accrue is also free using their @crewtag.

### What countries does Accrue support?

Accrue facilitates payments and services across Africa and the US. Specific countries mentioned for sending money include Ghana, Nigeria, Kenya, and South Africa, with the ability to send to bank accounts, MoMo, and MPesa.

### How can I use Accrue to grow my money?

You can grow your money by saving in US dollars within the app, earning daily interest on your deposits. Additionally, Accrue offers simple investing options starting from just $1, allowing you to potentially increase your funds over time.

## Version history (last 5 releases)

### 5.1.1 — 2026-08-22

- Bug fixes and improvements

### 5.1.0 — 2026-08-18

- Bug fixes and improvements

### 5.0.9 — 2026-08-04

- Bug fixes and improvements

### 5.0.7 — 2026-08-01

- Bug fixes and improvements

### 5.0.6 — 2026-07-29

- Bug fixes and improvements

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*