# Grey: Inclusive Global Banking — Send & Receive Money Globally

> Global banking app for multi-currency accounts, international transfers, and payments. (iPhone/iPad app by Grey Incorporated.)

- Source: https://appshunter.io/ios/app/grey-inclusive-global-banking/id1611983085 (this page in markdown: same URL + `.md`)
- Developer: [Grey Incorporated](https://appshunter.io/developer/1611983087)
- Category: Finance
- Price: Free
- Rating: 4.60/5 from 5,764 App Store ratings · 375 written reviews indexed
- Age rating: 17+
- Requires: iOS 17.6 · 1.0 GB
- Languages: American English, Arabic, Filipino, French (France), Indonesian, European Portuguese, European Spanish, Swahili
- Released: 2022-07-12
- Data updated: 2026-08-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/grey-inclusive-global-banking/id1611983085/reviews.md

## What is Grey?

**Open a multi-currency account in minutes, for free.**

Open a USD, GBP and EUR accounts, Send money in over 170 currencies, and get an International USD card.

- Free USD, GBP and EUR accounts in one app
- No monthly fees
- Virtual USD card with Apple Pay and Google Pay support *(in supported regions*)*
- Trusted by 3 million users
- Multilingual support

**Why Grey stands out**

- Receive global payments with ease
- Convert currencies at competitive rates
- Send money to 160+ countries
- Create and send professional invoices in minutes.

**No limits to your money**

When you open a multi-currency account with us, you get local account details for easy money transfer and payments.

**Our Services**

- Global Money Transfer
- Get USD, EUR, GBP Accounts
- Currency Exchange
- Virtual USD Card

**Global Money Transfer**

With Grey, send money to freelancers, business associates and loved ones anywhere in the world.   

**Easy Foreign Exchange in Seconds**

Exchange currencies at competitive rates with Grey. Track real-time exchange rates in the app and withdraw your converted funds directly to your local bank account.

**Send & receive stablecoins**

Send, receive and manage USDT and USDC transfers alongside your international payments

**Bill payments, simplified**

Pay your bills in just a few taps with Grey. From everyday utilities to unexpected expenses, stay on top of your payments easily.

**Gift Cards**

Buy and send gift cards from top global brands in just a few taps. Add a personal message to make your gift even more special, and we'll deliver it directly to the recipient.

**Professional Invoices for Your Global Clients**

Create and send professional invoices in minutes. Share them with clients around the world and get paid more easily.

**Around-the-clock Support**

Stay updated with real-time transaction notifications. If you need help, contact our support team through in-app messaging or by email at support@grey.co 

**Protected and Regulated**

We are regulated by FinCEN and FINTrac, so your money is always safe.
Grey Incorporated

## Key features

- Free global bank accounts
- Multi-currency management
- International money transfers
- Competitive currency exchange
- Virtual dollar card
- Professional invoice generation
- Bill payments

## What do users think of Grey?

Overall sentiment: negative

**Pros**

- 🚀 Fast and seamless transactions
- 👍 User-friendly interface
- 💡 Innovative features like virtual cards
- 🚀 Reliable and efficient service

**Cons**

- 🐛 Frequent app updates
- 🤔 Unclear verification process
- 💰 High fees and exchange rate issues
- 🕰️ Slow response from customer support
- 🔒 Privacy concerns with personal information requests

**Commonly reported bugs**

- Transactions not showing up
- Inability to access account or make transfers
- Recurring app crashes and bugs

**Most requested features**

- Increase monthly withdrawal limit
- Add dark mode option
- Improve virtual card functionality
- Streamline verification process

## Recent user reviews (10 of 375)

All indexed reviews: https://appshunter.io/ios/app/grey-inclusive-global-banking/id1611983085/reviews.md

### 5/5 — Very useful

*2026-08-19, version 3.8.7*

I will 100% refers my friend to this Gray app

### 5/5 — Difficult to change the country of my residence

*2026-08-14, version 3.8.5*

Hello I have been trying to change the country of residence from Uk to Nigeria but it’s been difficult 
What do I do?

### 2/5 — Mr

*2026-08-14, version 3.8.5*

I can’t seem to open a Naira account

### 5/5 — Review

*2026-08-13, version 3.8.5*

Easy to use also fast and reliable

### 1/5 — disappointed

*2026-08-12, version 3.8.5*

i had high expectations, disappointed i don't recommend

### 1/5 — IN APP SERVICE IS BAD

*2026-08-03, version 3.8.2*

I’ve tried to verify my KYC 5 times now and they keep telling me my selfie video has not been found and I also emailed them but no response

### 1/5 — Keep off scam scam scam

*2026-08-03, version 3.8.2*

Bad website don’t lose your money

### 5/5 — It just works

*2026-08-02, version 3.8.2*

Neat and clean UIUX

### 1/5 — ID verification

*2026-07-31, version 3.8.1*

It’s so difficult to sign up with your ID . I sent it off for the first time and it says my drivers license didn’t depict my face , no problem, I try again and it tells me duplicate account . I try again with my national identity card and the email for verification never comes like the one before and the app refreshes like I never did the verification. I wait for 30 minutes for a confirmation email and it never arrives so I try again with my nation al ID then I get the email instantly that says duplicate account . Is there a real person confirming the ID’s or is it some bot that can’t look at the same ID more than once when it sends an email declining the ID?? It’s extremely infuriating!! I even tried it with my passport and it gave me the same results as before . Unsatisfied with this app and its email responses.

### 1/5 — Don’t use it guys, you will lost your time and money to

*2026-07-31, version 3.8.1*

Just got two payments refund from pending to my client account , i provided all documents what they asked for, I will delete my account forever, you guys scam, you did not back your fee, they just take it from you!

## Frequently asked questions about Grey

### What does the Grey app do?

The Grey app allows you to open a free global bank account in minutes. You can receive, send, exchange, and manage multiple currencies. It also facilitates international money transfers, bill payments, and the generation of professional invoices for global clients.

### What are the key features of Grey?

Key features include opening free foreign UK, US, and EU bank accounts, sending money to over 80 countries, exchanging currencies at competitive rates, using a virtual dollar card for international payments, and generating invoices in one tap. It also offers bill payment services and gift card purchases.

### Is Grey free to use?

Opening a global bank account with Grey is free, and there are no monthly fees. While the app itself is free to download and use for core banking functions, there may be associated costs for specific transactions or services, aligning with a freemium model.

### What currencies can I manage with Grey?

The app supports managing multiple currencies, allowing you to receive, send, and exchange various global currencies. You can open foreign bank accounts in USD, GBP, and EUR, and send money to over 80 countries, indicating broad currency support for international transactions.

### How can I get help if I have a problem?

Grey offers 24/7 customer support. You can reach out for assistance via their in-app chat feature or by sending an email to support@grey.co. They provide instant push notifications for transactions and are regulated by FinCEN and FINTrac for security.

## Version history (last 5 releases)

### 3.9.1 — 2026-08-25

We've been busy making the Grey app even better, and this version has some exciting updates that will make sending and receiving money around the world smoother than ever.

Here's what's new in Grey v3.9.1:
 
Bug fixes and improvements to keep things running smoothly.

Love, 
The Dev Team

### 3.8.7 — 2026-08-18

We've been busy making the Grey app even better, and this version has some exciting updates that will make sending and receiving money around the world smoother than ever.

Here's what's new in Grey v3.8.7:
 
Bug fixes and improvements to keep things running smoothly.

Love, 
The Dev Team

### 3.8.5 — 2026-08-07

We've been busy making the Grey app even better, and this version has some exciting updates that will make sending and receiving money around the world smoother than ever.

Here's what's new in Grey v3.8.5:
 
Bug fixes and improvements to keep things running smoothly.

Love, 
The Dev Team

### 3.8.3 — 2026-08-04

We've been busy making the Grey app even better, and this version has some exciting updates that will make sending and receiving money around the world smoother than ever.

Here's what's new in Grey v3.8.3:
 
Bug fixes and improvements to keep things running smoothly.

Love, 
The Dev Team

### 3.8.2 — 2026-07-31

We've been busy making the Grey app even better, and this version has some exciting updates that will make sending and receiving money around the world smoother than ever.

Here's what's new in Grey v3.8.2:
 
Bug fixes and improvements to keep things running smoothly.

Love, 
The Dev Team

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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 2026-08-28.*