# Morse Money — Your dollar account, anywhere

> Global money transfer service with virtual accounts and fast, fee-free international payments. (iPhone/iPad app by Avian Labs Inc.)

- Source: https://appshunter.io/ios/app/morse-money/id1637592256 (this page in markdown: same URL + `.md`)
- Developer: [Avian Labs Inc](https://appshunter.io/developer/1637592258)
- Category: Finance
- Price: Free
- Rating: 4.60/5 from 581 App Store ratings · 65 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 163 MB
- Languages: American English, French (France), German (Germany), Hungarian, Italian, Lithuanian, Polish, European Portuguese, Romanian, European Spanish
- Released: 2023-05-17
- Data updated: 2026-08-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/morse-money/id1637592256/reviews.md

## What is Morse Money?

Morse is the global account for expats, freelancers, nomads, and remote workers. Whether you recently moved abroad, have family in another country, or live across borders, your bank probably wasn't built for it. Morse was. Spend anywhere with a Visa card, move money between your accounts worldwide, send money to 150+ countries, and get paid from companies abroad in USD and EUR. Sign up in minutes and add money via bank account, Pix, CLABE, Google Pay, or Apple Pay. Best exchange rates, low fees, no surprises. 

SPEND ANYWHERE WITH YOUR MORSE CARD.
Get a virtual debit card linked to your Morse balance and spend anywhere Visa is accepted. Travel anywhere and pay in dollars, euros, or local currency. No markups, no conversion surprises. Pay for subscriptions, add to Apple Pay and Google Pay, and earn cashback on your spending. 

MOVE MONEY BETWEEN YOUR OWN ACCOUNTS.
Got accounts and wallets spread across the world? Morse connects them all. Move money between your own accounts without the usual cross-border transfer costs. Whether you get paid abroad, just landed somewhere new, or split life across countries. International transfers in seconds, not days. 

THE REAL EXCHANGE RATE. ALWAYS.
Morse uses the mid-market exchange rate. The same one banks use with each other. No markups. No hidden fees. What you see is exactly what gets sent. Convert USD to MXN, USD to BRL, EUR to USD, and more. Compare that to what your bank charges. 

GET PAID FROM DEEL, UPWORK OR COMPANIES ABROAD.
Working for companies abroad? Get local USD, EUR, MXN, and BRL account details so clients and employers can pay you like a local. Get paid from Deel, Upwork, and more directly into your Morse account. They send a normal bank transfer, you receive international payments in Morse and use it however you want in a few taps. SEND 

MONEY TO FAMILY AND FRIENDS IN 150+ COUNTRIES.
Send for free, in seconds, to anyone on Morse. Send to Mexico, Brazil, and 150+ countries. Support your loved ones from wherever you are. 

TRUSTED. REGULATED. SECURE.
Morse is a regulated, secure money app trusted by hundreds of thousands of people and built with bank-grade security from day one. Morse is self-custodial, which means only you can access your wallet. ISO 27001 certified, and protected with strong customer authentication, 24/7 fraud monitoring, Verified by Visa and Mastercard SecureCode. Need help? A real person is always available.

## Key features

- 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

## What do users think of Morse Money?

Overall sentiment: mixed

**Pros**

- 🚀 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

**Cons**

- 🚫 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

**Commonly reported bugs**

- Verification stuck on loading screen indefinitely
- Account approval notification shows but app remains frozen
- Withdrawal failures with error messages about card incompatibility
- Money disappearing during transfer attempts
- Debit card rejection despite successful previous transactions
- Slow app performance and responsiveness
- Support chat doesn't send notifications

**Most requested features**

- Referral rewards program
- Explanation for account rejections
- Human support chat with notifications
- Account status tracking during verification

## Recent user reviews (10 of 65)

All indexed reviews: https://appshunter.io/ios/app/morse-money/id1637592256/reviews.md

### 5/5 — Best currency platform on the market!

*2026-08-01*

This is so Amazing! In one day it’s outperformed all other apps I’ve used in the last 4 years

**Developer response:** Thank you so much! We're so happy you like what we're building, and we appreciate your review!

### 5/5 — Excelente service

*2026-07-31, version 2.45.0*

I was very surprised at how simple deposits and transfers went once the acct was set up! Thanks!

### 5/5 — Love it

*2026-07-24, version 2.43.0*

The best app

### 4/5 — I recommend everybody to use Morse.

*2026-07-23*

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.

**Developer response:** 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.

### 5/5 — Lo mejor

*2026-07-21, version 2.42.0*

Lo que faltaba en colombia lo quiero comprar

### 5/5 — best way to move money internationally

*2026-07-21, version 2.41.0*

I use Morse to move money between my bank accounts in different countries, to pay people back easily, and also to spend internationally with no fees. It saves me so much time/money/stress!!

### 1/5 — It’s a scam

*2026-07-09*

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.

**Developer response:** 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.

### 1/5 — New Name, Same Issues and Bugs, Absent Support Team, and Poor Execution of Otherwise Great Ideas

*2026-06-26*

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.

**Developer response:** 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

### 1/5 — ID verified accounts mean nothing

*2026-06-08*

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.

**Developer response:** 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

### 5/5 — This is seriously dumb

*2026-06-08, version 2.22.0*

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

## Frequently asked questions about Morse Money

### 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.

## Version history (last 5 releases)

### 2.52.0 — 2026-08-27

Bug fixes and improvements

### 2.51.0 — 2026-08-25

Bug fixes and improvements

### 2.50.0 — 2026-08-20

Bug fixes and improvements

### 2.49.0 — 2026-08-19

Bug fixes and improvements

### 2.48.0 — 2026-08-14

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 2026-08-29.*