# Upesa — Beyond financial inclusion

> Digital wallet for affordable, instant, borderless payments and currency exchange. (iPhone/iPad app by Utoken Limited.)

- Source: https://appshunter.io/ios/app/upesa/id6480348587 (this page in markdown: same URL + `.md`)
- Developer: [Utoken Limited](https://appshunter.io/developer/1738771405)
- Category: Finance
- Price: Free
- Rating: 4.30/5 from 7 App Store ratings · 3 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.1 · 93 MB
- Languages: American English
- Released: 2025-02-21
- Data updated: 2026-08-22
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/upesa/id6480348587/reviews.md

## What is Upesa?

Upesa is a digital wallet that allows individuals and businesses access to affordable, instant, and borderless payment. 
Users across Nigeria and supported countries can seamlessly switch to various supported currencies, making traveling and cross-border settlement easier and faster for digital nomads, freelancers, importers, and merchants by eliminating the constraints of dealing with varying payment or settlement schemes used across different countries. Some of the key benefits of the wallet include
- Extremely cheap payment that rivals existing mobile money app
- Intuitive UI for easy payment
- Access to digital dollar for your business needs

## Key features

- Affordable, instant, borderless payments
- Seamless currency switching
- Digital dollar access for business
- Intuitive user interface
- Cross-border settlement

## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/upesa/id6480348587/reviews.md

### 5/5 — Good

*2025-08-20*

Good financial app 😊

### 5/5 — Good work upesa

*2025-08-20*

It was a nice experience using upesa 😊an interesting experience

### 5/5 — Seamless

*2025-08-19*

The ransactions are smooth and seamless

## Frequently asked questions about Upesa

### What is Upesa?

Upesa is a digital wallet designed to offer affordable, instant, and borderless payment solutions. It allows users to easily switch between different currencies, facilitating smoother international transactions for individuals and businesses.

### Is Upesa free to use?

Yes, Upesa is available for free. The app does not have a purchase price and is free to download and use for its core payment and currency exchange functionalities.

### What currencies can I use with Upesa?

Upesa allows users to seamlessly switch to various supported currencies. This feature is particularly beneficial for international travel and cross-border settlements, simplifying transactions across different countries.

### Who is the target audience for Upesa?

Upesa is designed for individuals and businesses, including digital nomads, freelancers, importers, and merchants. It aims to eliminate the constraints of varying payment schemes across different countries.

### How secure is Upesa?

While specific security measures are not detailed, Upesa is a digital wallet focused on financial transactions. Users can expect standard security protocols for handling sensitive financial information.

### What devices does Upesa support?

Upesa is available on iOS devices, including iPhone, iPad, and iPod. It is designed to provide a seamless experience across these Apple platforms.

### How often is Upesa updated?

The latest version of Upesa is 1.2.7, and it was last updated on March 24, 2026. This indicates a commitment to regular updates and improvements for the application.

### What is the user rating for Upesa?

Upesa has a rating of 4.3 stars based on 7 user ratings. This suggests generally positive user sentiment regarding the app's performance and features.

## Version history (last 5 releases)

### 1.3.0 — 2026-08-19

Bug fixes and improvements

### 1.2.9 — 2026-08-10

- Live chat and bug fixes

### 1.2.8 — 2026-07-31

- Bug fixes and improvements

### 1.2.7 — 2026-03-24

Kyc fixes and improvements

### 1.2.6 — 2026-03-12

- Bug fixes and improvements
- USD card top up now available

## Apps similar to Upesa

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [KongaPay](https://appshunter.io/ios/app/kongapay/id1105457515) | 4.4 (152) | Free | Finance |
| [PocketMoni](https://appshunter.io/ios/app/pocketmoni/id6742454528) | 4.6 (99) | Free | Finance |
| [Cashir App - Mobile Banking](https://appshunter.io/ios/app/cashir-app-mobile-banking/id6479597225) | 1.0 (1) | Free | Finance |
| [Vivapay by LA VIVA PAY INC](https://appshunter.io/ios/app/vivapay-by-la-viva-pay-inc/id6742904891) | 3.5 (4) | Free | Finance |
| [FLEX - Instant Payments](https://appshunter.io/ios/app/flex-instant-payments/id6740035091) | 4.7 (11) | Free | Finance |
| [Duffle](https://appshunter.io/ios/app/duffle/id6739775801) | 5.0 (4) | Free | Finance |

---

*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.*