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Morse — Money for who you are

Morse — Money for who you are

Your dollar account, anywhere

538 ratings
60 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • May 17, 2023
  • July 29, 2026

Features

Developer

Avian Labs Inc
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About

Send money internationally in seconds with no hidden fees. Receive payments from clients abroad directly into a virtual USD or EUR account. Transfers are secured and use mid-market exchange rates.

✓Send money to 140+ countries
✓No hidden fees or markups
✓Virtual USD/EUR accounts for businesses
✓Receive payments from clients abroad
✓Pay by name, no bank details needed
✓Share Sling Link for fee-free claims
✓Mid-market exchange rates
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What users say

Summarized from real user reviews of Morse. Based on 538 reviews and a 4.6/5 average, it highlights the 8 positives and 10 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Lightning-fast money transfers
  • 💰Zero fees for transfers
  • 🌍Easy international payments and currency conversion
  • 👍User-friendly and intuitive interface
  • 💬Responsive human customer support (when accessible)
  • 📱Simple picture-based payment feature
  • 💵Better rates than competitors like Wise and Revolut
  • ⚡Instant withdrawal capabilities

Negative things

  • 🚫Account approval rejection without explanation
  • 🔒Data privacy concerns - collects sensitive info before approval
  • 🐛Verification process stuck on loading screens
  • ⏳Extremely slow or indefinite account verification times
  • 💬Inconsistent customer support quality and responsiveness
  • 🔐Account lockdowns during 'routine checks'
  • 💸Money stuck in app during verification holds
  • 🤖Support bot (Anna) unhelpful and unresponsive
  • ❌Withdrawal failures and incompatibility issues
  • ⚠️Lack of transparency in account denial reasons
See all reviews

What's New in Morse

2.45.0

July 29, 2026

Bug fixes and improvements

User reviews

Most RecentHighest RatedLowest Rated

I recommend everybody to use Morse.

Their customer service is very fast and effective. I get my money immediately from the sender. The withdrawal process is very straightforward. The only problem is that customer service don’t operate during weekends. Which shouldn’t be a thing in today’s time. I should get support any day of the week. Specially weekends.
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ligma balls hardligma balls hard

Response from developer

Hi there, thank you very much for supporting Morse! We've just started offering customer support on the weekends, so we look forward to assisting you if you need help again.

It’s a scam

They advertise that the first three transfers are free, but that is misleading. When I tried to send money to Mexico, I was still charged a fee.

Customer support replies the next day, and there is no phone number to call. The AI assistant seems to be the only immediate support available, and this was the answer I received:

“The ‘first three transfers free’ promotion you see on the website applies only to international deposits or withdrawals made through linked payment methods, such as your bank account or debit card.

When you send money directly to a Mexican CLABE account from abroad, there is always a small fee: USD 0.50 or 0.25% of the amount you send, whichever is greater.”

In my opinion, this should be explained much more clearly on the website. The promotion gives the impression that the first three transfers are free, but in practice that does not apply to transfers sent directly to a Mexican CLABE account.
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MDGastroMDGastro

Response from developer

We’re very sorry for the misunderstanding, and would be happy to refund the fee you were charged and issue you an additional goodwill credit. It appears that some promotional copy was live in the app for you which was not correct, and we’re fixing that now. Please accept our apologies. We hope that we’re able to win your loyalty with the refund plus the goodwill credit. Yours, Mike co-founder & CEO.

New Name, Same Issues and Bugs, Absent Support Team, and Poor Execution of Otherwise Great Ideas

At some point, Morse/Sling, the mostly absent leadership and unresponsive human support will have to stop hiding behind their new name and design, and Anna, the promising but overwhelmed and limited AI, and give more consideration to their regular users’ needs. I’ve personally spoken to key people regarding the various issues plaguing the app to no avail. Interface problems and bugs that continue to go unfixed, a WhatsApp community almost never checked and plagued with scammers, random account freezes and information requests for vague “compliance” reasons that are somehow never experienced on other apps even after several years. Not to mention a problematic referral scheme limited to only 3 new users with none of the bonus going to new users. I will miss the few good things the app did offer, in particular a near seamless cryptocurrency integration, but none of the app’s lost potential.
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Telling It the Way It IsTelling It the Way It Is

Response from developer

Hi there, we're sorry to hear that you haven't had a positive experience with Morse. We're legally required to ensure activity on Morse complies with our Terms of Service, which is why we sometimes have to pause account activity while we complete these checks. We offer different referral programs at different times, and we will take your feedback into account for the next referral program! I'd be happy to speak to you more if you're willing to email me ali@morsemoney.com so we can better help you! Best, Ali from Morse

ID verified accounts mean nothing

This app allows scammers to hide behind an ID verified status and which enables them to lure victims into fraudulent transactions then hide behind irreversible P2P mechanics. This platform clearly is enabling fraud despite solid proof of theft.

I definitely do not recommend this app and I will be filing every possible complaint and report I can making sure they are forced to do something about it.
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Sx312Sx312

Response from developer

Hi there, we're very sorry to hear about this experience. Can you please email me ali@morsemoney.com so I can personally take a look at your case? Thank you! Best, Ali from Morse

This is seriously dumb

Cannot withdraw my money. The AI chat is broken, looping, and won't let me talk to support. So I’m losing $645.
thugzzbunnythugzzbunny
See 55 more reviews

User experience

🐞

Reported Bugs

7 issues

Verification stuck on loading screen indefinitely

Bug

Account approval notification shows but app remains frozen

Bug

Withdrawal failures with error messages about card incompatibility

Bug

Money disappearing during transfer attempts

Bug

Debit card rejection despite successful previous transactions

Bug

Slow app performance and responsiveness

Bug

Support chat doesn't send notifications

Bug
✨

Requested Features

4 requests

Referral rewards program

Feature

Explanation for account rejections

Feature

Human support chat with notifications

Feature

Account status tracking during verification

Feature

FAQ

What does Sling Money do?

Sling Money is an app designed for sending money internationally. It allows users to pay people in over 140 countries in seconds, often with no hidden fees or markups. It also provides virtual USD or EUR accounts for businesses and freelancers to receive payments from clients abroad.

How fast are Sling Money transfers?

Transfers are designed to be very fast, often completed in seconds. This speed is enabled by the use of digital dollars and digital euros, which are regulated digital currencies backed by actual reserves. This allows for rapid movement of money across different countries and currencies.

What are the fees for using Sling Money?

The app emphasizes no hidden fees or markups for sending money internationally. Clients abroad can pay into a Sling Money Virtual Account for a fee of only 0.1%. Transfers made via a Sling Link can be claimed by the recipient for zero fees.

Is Sling Money secure?

Yes, Sling Money prioritizes security. It is financially regulated and partners with security protocols like Verified by Visa and Mastercard SecureCode. The app is also ISO 27001 certified, indicating adherence to industry standards for information security management.

Can I send money to someone who doesn't have the Sling Money app?

Yes, you can. By creating a Sling Link and sharing it via text, email, or messaging apps, recipients can claim the money directly to their bank account or mobile money wallet without needing to download the Sling Money app. These claims are typically fee-free for the recipient.