# Kredete Send Spend Save Credit — International Payment & Credit > Global financial platform for payments, savings, credit building, and rewards. (iPhone/iPad app by Kredete Inc.) - Source: https://appshunter.io/ios/app/kredete-send-spend-save-credit/id1660925127 (this page in markdown: same URL + `.md`) - Developer: [Kredete Inc](https://appshunter.io/developer/1658598893) - Category: Finance, Lifestyle - Price: Free - Rating: 4.10/5 from 96 App Store ratings · 68 written reviews indexed - Age rating: 17+ - Requires: iOS 16.2 · 137 MB - Languages: American English, French (France), European Portuguese, European Spanish, Swahili - Released: 2023-03-16 - Data updated: 2026-08-22 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/kredete-send-spend-save-credit/id1660925127/reviews.md ## What is Kredete Send Spend Save Credit? Kredete — your all-in-one financial platform for managing money across borders. Make Moves That Matter • Fast, reliable international transfers • USD & EUR accounts for everyday global use • Dollar savings that grow daily • Fast USDC crypto payments • Build credit as you transact • Earn points and unlock rewards • Use virtual and physical cards globally • Transparent fees, always Make the most of Kredete Send money across borders, save in USD and earn daily yield, receive funds in EUR, build your credit, and unlock rewards — all from one app, built for how you live today. Kredete makes global money management simple, secure, and rewarding. ## Key features - International money transfers - USD & EUR accounts - Dollar savings with daily yield - USDC crypto payments - Credit building - Rewards program - Virtual and physical cards ## What do users think of Kredete Send Spend Save Credit? Overall sentiment: mixed **Pros** - 🚀 Fast transactions - 👍 Easy to use - 👍 Nice UX/UI - 🚀 Reliable - 👍 User-friendly interface - 💡 Innovative credit-building feature - 💡 Virtual card feature - 🚀 Fast platform with best rates - 👍 Smooth transactions - 🚀 Swift network - 👍 Seamless user interface - 💡 Game changer for immigrants - 👍 Easy to build credit **Cons** - 🐛 Funds locked - 🐛 App not working - 🐛 Cannot receive verification code - 🐛 Pending transactions for weeks - 🐛 Cannot use account for a month+ - 🐛 Unable to verify ID photos - 🐛 Not allowing login after update - 🐛 Cannot make transactions - 🐛 Money stocked on app - 🐛 Sign up issues (email/phone already in use) - ⚠️ Nigerian number required for non-Nigerians - ⚠️ Limited functionality for users outside Nigeria **Commonly reported bugs** - Funds locked for extended periods - App not working/uninstalling - Verification code not received - Transactions stuck in pending - Account inaccessible after update - ID verification failing - Unable to make transactions - Sign-up errors with existing email/phone number **Most requested features** - Allow users from other African countries to use the app - Improve verification process for non-Nigerian users ## Recent user reviews (10 of 68) All indexed reviews: https://appshunter.io/ios/app/kredete-send-spend-save-credit/id1660925127/reviews.md ### 1/5 — Slow Operation *2026-07-28, version 4.2.7* Very Poor network and Poor Customer Care Services, slow in response, constant network issues. ### 3/5 — Card deposit *2026-07-13, version 4.2.7* Beautiful app by all standards…. a little work needed on card deposits. ### 1/5 — Scam *2026-07-05, version 4.2.7* Kredete has held my money, nearly 1k, for over a month with no resolution to return it to my account or send it to my fiancé. Error message after error message and extremely slow responses from their customer support. I would never recommend this app or banking to anyone. I have filed complaints with the financial agencies and banking institutions. ### 5/5 — Sharp but loosing trust *2026-06-07* They don’t delay payment but sometimes they do ### 1/5 — Weekend Transactions *2026-05-09, version 4.1.1* Weekend Transactions are the worse. It takes days to go through which makes no sense ### 1/5 — Share your opinions *2026-03-08, version 4.0.11* I’m about to register the app and I don’t have any experience yet but hope to have good reviews ### 5/5 — Great job on V4 *2025-12-21, version 4.0.1* Nice UX/UI ### 5/5 — Good app *2025-12-15, version 3.8.5* Fastest ### 5/5 — Great job on V4 *2025-11-30, version 3.8.4* Nice UX/UI ### 1/5 — Scam and Wack app hate their customer service *2025-06-10, version 3.1.6* Very bad app my funds has been locked there for a while I can’t use it now am installing the app it’s no longer working on my phone I advice not to use it ## Frequently asked questions about Kredete Send Spend Save Credit ### What does Kredete do? Kredete is a comprehensive financial platform designed for managing money across borders. It allows users to make international transfers, hold USD and EUR accounts, save in USD with daily yield, and build credit history through transactions. ### What are the key features of Kredete? Key features include fast international transfers, USD and EUR accounts for global use, dollar savings that grow daily, fast USDC crypto payments, credit building as you transact, a rewards program, and the ability to use virtual and physical cards worldwide. ### How does Kredete make money? The app is free to download and use, but it generates revenue through in-app purchases. This could include fees associated with transactions, currency exchange, or premium features. ### Who is Kredete for? This app is ideal for individuals and businesses who frequently deal with international transactions, need to manage funds in multiple currencies, want to save and earn yield on their money, or aim to build their credit score. ### Can I use Kredete for everyday spending? Yes, Kredete offers virtual and physical cards that can be used globally for everyday spending. The app also provides USD and EUR accounts, making it suitable for daily global financial activities. ## Version history (last 5 releases) ### 4.3.1 — 2026-08-20 What's New in v4.3.1 This update brings the new Market experience, card balances on your home screen, a smoother account setup, and a long list of stability fixes. TRADE IS NOW MARKET Trade has become Market, your home for stocks and prediction markets. Browse by category, search across every market, and see prices update live. Event pages now open with the details already showing, charts are labelled at every interval and respond to touch, and markets are ordered by likelihood so the most relevant ones come first. Order forms tell you more before you commit: size a limit order in dollars or in shares, see the payout on a shares order, watch the countdown to close, and get quoted the price the market itself is offering. You can review your open orders, cancel an order and see the outcome, and orders that can no longer be placed are now stopped clearly instead of failing quietly. A SMOOTHER PATH TO YOUR ACCOUNT Setting up an account is more straightforward. There is a new application path for accounts that need extra review, and you are guided to the right flow instead of hitting a dead end. Direct deposit setup now moves you from step to step automatically, the account purpose page reads in your language, and you can describe your own source of funds when none of the options fit. MONEY IN YOUR LANGUAGE Amounts are now written and read in the language you use the app in, across balances, receipts, and the amount keypad. Balances no longer round away a cent, and typed cents can no longer be misread as thousands. SIGN UP AND VERIFICATION Sign up and identity verification have fewer dead ends. Verification continues to BVN once NIN succeeds, failed attempts and stale errors no longer block a retry, the email verification code field keeps up with what you type, and social sign ups now show the terms and privacy consent up front. SENDING MONEY Transfer eligibility checks are more accurate, and the onboarding prompt no longer interrupts you when you send or move money. ACCOUNT LIMITS AND UPGRADES Account limit and tier upgrade details are more reliable: your address is filled back in where we already have it, the status card stays tappable, and blocked upgrades point you to the right place for help. YOUR CARD, OUTSIDE THE US For customers outside the US, your card balance now appears on the home screen, so you can check it without opening the card. Card actions have moved into a clearer More actions section, withdrawal limits are easier to find, and if you do not have a card yet, It is easily highlighted for you. IMPROVED PERFORMANCE AND RELIABILITY We fixed the most common crashes reported in the last release, sped up image loading and list scrolling, removed a duplicate tap vibration on Android, corrected pull to refresh on short pages, and restored the correct status bar appearance when leaving a dark screen. Many smaller layout and copy issues throughout the app have also been resolved. Thank you for using Kredete. ### 4.3.0 — 2026-08-09 What's New in 4.3.0 FASTER SIGN-UP AND VERIFICATION Signing up is quicker and simpler, with clearer email and phone verification screens. Return mid-setup and you pick up where you left off with step by step guides and clearer error messages. MORE WAYS TO MOVE MONEY Send again straight from a past transaction, retry a failed transfer, and reach more destinations with new payment rails in the United States and Mexico. Payment requests gain search and a smoother chat view, and your USD account details, including SWIFT, are available to share. CARDS, CREDIT AND SAVINGS Ordering a physical card now uses a two-step address flow with delivery options and a summary before you confirm. Users in the United States can start credit building from the home screen, and the credit score chart is backed by real score history. SELF-CUSTODY CRYPTO Set up a self-custody wallet, hold and fund USDC, swap with gas fee estimates shown upfront, and restore your wallet with your recovery phrase. REFRESHED BALANCE CHART The balance chart has been rebuilt for smoother, more accurate movement, alongside interface refinements across the app. STABILITY AND SPEED Faster startup, fewer unexpected sign-outs, more accurate currency conversion, plus bug fixes and performance improvements throughout. Thank you for using Kredete. ### 4.2.7 — 2026-06-13 What's New in v4.2.7 CARD EXPERIENCE FIXES Card details now display correctly with the World Cup theme. We also fixed card flipping behavior for a smoother experience. UI POLISH We resolved overflow issues, corrected app icon variants on iOS, and made cosmetic updates for a cleaner interface. IMPROVED RELIABILITY This release includes logic cleanups and general performance and stability improvements across the app. Thank you for using Kredete. ### 4.2.6 — 2026-06-11 What's New in v4.2.6 WORLD CUP THEME Celebrate the tournament with a fresh World Cup-themed experience across the app, including themed buttons and visual flourishes. SMARTER PRAEL Prael now renders rich HTML responses for better readability. Cancel messages mid-send if you change your mind, and see optimistic previews the moment you send a message or image. GUIDED WALKTHROUGH New coachmark tooltips guide you through key features so you can get the most out of Kredete from day one. IMPROVED RELIABILITY Resolved issues and various cosmetic improvements throughout the app. Thank you for using Kredete. ### 4.2.5 — 2026-06-11 What's New in v4.2.5 WORLD CUP THEME Get into the spirit of the tournament with a redesigned slide-to-send button, a fresh chat background, and new success animations across the app. PRAEL HAS A NEW HOME Your AI assistant Prael now has its own tab at the bottom of the app. We also reworked how Prael behaves when your account is still being set up, gently guiding you through the steps so it can do more for you. UNIFIED STOCK TRADING Buying and selling stocks now happens in a single, cleaner screen. Prediction markets also get clearer titles and a more polished look. LIVE WALLET ACTIVITY Your wallet now stays up to date automatically. Transactions, transfers, and balance changes appear the moment they happen — no need to pull down to refresh. CHATS THAT KEEP UP Sent messages and images now appear in your conversations instantly, so chats feel snappy even on slower connections. DASHBOARD POLISH We refined visuals across multiple screens and fixed the show/hide balance toggle so it remembers your preference and never gets stuck. SMARTER OFFERS CARD The offers carousel has been rebuilt as a tinder-style swipe deck. Swipe in any direction to flick through, and large amounts now auto-shrink to fit cleanly on screen. RETRY FAILED TRANSFERS Failed transactions are clearly flagged in your history with a retry option, so you can run them again in seconds without re-entering everything. IMPROVED RELIABILITY Fixes for a home page crash, a crypto mini-crash, the account verification flow, USDC funding visibility, the walkthrough screen, offer cards, request money, reward popups, the Prael chat input, and in-app browser windows that need to open new tabs. Thank you for using Kredete. ## Apps similar to Kredete Send Spend Save Credit | App | Rating | Price | Category | | --- | --- | --- | --- | | [Ria Money Transfer](https://appshunter.io/ios/app/ria-money-transfer/id1065921908) | 4.8 (280,727) | Free | Finance | | [Remitly: Send Money & Transfer](https://appshunter.io/ios/app/remitly-send-money-and-transfer/id674258465) | 4.9 (2,686,830) | Free | Finance | | [WorldRemit: Money Transfer App](https://appshunter.io/ios/app/worldremit-money-transfer-app/id875855935) | 4.8 (215,567) | Free | Finance | | [MoneyGram® Money Transfers App](https://appshunter.io/ios/app/moneygram-money-transfers-app/id867619606) | 4.9 (678,701) | Free | Finance | | [Western Union: Send Money](https://appshunter.io/ios/app/western-union-send-money/id424716908) | 4.8 (1,300,999) | Free | Finance | | [Xoom: Send Money & Transfer](https://appshunter.io/ios/app/xoom-send-money-and-transfer/id529615515) | 4.8 (1,204,117) | Free | Finance | ## Related topics [klasha](https://appshunter.io/ios/topics/klasha) · [grey](https://appshunter.io/ios/topics/grey) --- *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 2026-08-22.*