Best apps like Pay Up: Buy,Pay,Send & Receive

20+ similar apps compared and reviewed

4.1 avg rating

10 free apps

Updated September 2026

Pay Up: Buy,Pay,Send & Receive

The Bakery Technologies LTD

💰 Finance

🛍️ Shopping

Pay Up is great, but it's not the only option. Explore 20+ similar apps for iPhone and iPad, each reviewed and rated by real users. Find free alternatives, premium upgrades, and hidden gems.

Top Alternatives to Pay Up

PayPal - Pay, Send, Save by PayPal, Inc.

Debit card, rewards, pay later

Editor's Choice

💰 Finance

4.8😐(6.3M ratings)

FreeAds

#6in Finance

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

What We Love

🚀 Extremely effective and reliable crypto recovery service
🔒 Secure payment processing
💰 Convenient way to send and receive money
👍 Easy to use app with simple interface

Room to Improve

🐛 Inconsistent customer support responses
🕰️ Slow money transfer times
💳 Holds on funds for new accounts
🤖 Overly automated with lack of human interaction

Revolut: Send, spend and save by Revolut Ltd

Change the way you money

Strong Contender

💰 Finance

4.7😐(72K ratings)

Free

#57in Finance

Revolut: Send, spend and save screenshot 1

Revolut: Send, spend and save screenshot 2

Revolut: Send, spend and save screenshot 3

Revolut: Send, spend and save screenshot 4

Revolut: Send, spend and save screenshot 5

Revolut: Send, spend and save screenshot 6

Manage your money with a comprehensive financial app. Spend, send, and save across multiple currencies, invest in stocks, and track your spending with smart tools. Offers features for both adults and children's financial education.

What We Love

🚀 Seamless international transactions
💳 Convenient multi-currency accounts
🔒 Robust security features
👍 User-friendly app interface
💰 Competitive exchange rates

Room to Improve

🐛 Unreliable account verification process
🤖 Poor customer service and lack of live support
💰 Unexpected fees and account restrictions
🔒 Concerns over account security and fraud
🔌 Difficulties with topping up and accessing funds

Kredete Send Spend Save Credit by Kredete Inc

International Payment & Credit

Worth Considering

💰 Finance

4.1😐(96 ratings)

FreeAds

Kredete Send Spend Save Credit screenshot 1

Kredete Send Spend Save Credit screenshot 2

Kredete Send Spend Save Credit screenshot 3

Kredete Send Spend Save Credit screenshot 4

Kredete Send Spend Save Credit screenshot 5

Kredete Send Spend Save Credit screenshot 6

Manage your money globally with this all-in-one financial platform. Send and receive international payments, save in USD with daily yield, and build credit. Access virtual and physical cards for seamless global transactions.

What We Love

🚀 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

Room to Improve

🐛 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

More apps like Pay Up

OhentPay - A Global Money App

Do more with your money

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Manage multiple currencies, send money globally, and receive payments with competitive exchange rates and flat fees. Automate your finances and ensure your money is safe with robust fraud protection.

Multi-currency accountsSend money to 190+ countriesReceive payments globally

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PayAngel: Fast Money Transfers

Send money home instantly

Free

Send money home instantly and securely with zero fees and unbeatable exchange rates. This app offers free life insurance on every transaction and 24/7 human support, making it ideal for diasporans supporting loved ones abroad.

Instant money deliveriesZero transfer feesUnbeatable exchange rates

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KOWRI

by DreamOval Ltd.

Free

This app simplifies financial management and payments across Africa. It allows users to link various accounts, make secure payments for bills and services, transfer money instantly, and discover local businesses. The platform also offers tools for wealth planning, subscription management, and spending tracking.

Link bank accounts, mobile money, and cardsSecure bill payments (electricity, water, insurance)Instant money transfers

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(125)

free with in-app purchases

myghpay

by GUARANTY TRUST BANK GHANA LTD

Free

This app facilitates secure and fast payments for a wide range of goods and services using your mobile money, cards, or bank account. It offers convenient features like remembering favorites and biometric authorization for seamless transactions.

Mobile money paymentsCard payments (Visa/Mastercard)Bank account payments

by expressPay Ghana Limited

Free

Send money instantly to mobile money accounts or bank accounts with just a few taps. Easily purchase airtime and internet data for any network in seconds. Pay merchants and service providers using various digital payment methods.

Instant money transfersMobile money and bank account transfersInstant airtime purchases

Global Money Remittance

Free

Facilitates global money remittances with a focus on African markets. Offers secure and efficient international money transfers.

Global money remittanceInternational money transfersSecure transactions

💰 Finance

(12)

ad-supported

OAPay - Send Money to Africa

No-fee African money transfers

Free

Easily send money internationally to Africa with no hidden fees and competitive exchange rates. Enjoy secure transfers with 24/7 customer support for peace of mind.

No-fee money transfersBest exchange ratesSwift and secure transfers

💰 Finance

(34)

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