Best Cashless Africa Apps

223+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated June 2026

Looking for free cashless africa apps? 20 of our 223+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Cashless Africa

NALA Send Money Globally#2

NALA Send Money Globally by NALA INC

Trusted by 500k+ users
Strong Contender
💰 Finance
4.8😐(5K ratings)
Free
NALA Send Money Globally screenshot 1
NALA Send Money Globally screenshot 2
NALA Send Money Globally screenshot 3
NALA Send Money Globally screenshot 4
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NALA Send Money Globally screenshot 6

Send money internationally with competitive exchange rates and transparent fees. Enjoy fast, secure transfers to mobile money wallets and bank accounts in numerous countries. Get 24/7 support for peace of mind.

What We Love

  • 🚀 Fast and reliable transfers
  • 💰 Excellent exchange rates
  • 🤝 Seamless user experience
  • 🌍 Wide range of supported countries

Room to Improve

  • 🐢 Slow customer service response times
  • 🔍 Verification issues and account holds
  • 🤔 Lack of transparency on certain policies
Afriex - Money transfer#3

Afriex - Money transfer by Afriex Inc

Send money with low fees
Worth Considering
💰 Finance
4.7😐(8.7K ratings)
Free
Afriex - Money transfer screenshot 1
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Afriex - Money transfer screenshot 3
Afriex - Money transfer screenshot 4
Afriex - Money transfer screenshot 5
Afriex - Money transfer screenshot 6

Send money internationally quickly, securely, and affordably. This app offers competitive exchange rates and low transfer fees, with a user-friendly interface for seamless global transactions. It also provides a Global USD Account for receiving international payments.

What We Love

  • 🚀 Instant transfers
  • 💡 Competitive exchange rates
  • 👍 User-friendly interface
  • 🔒 Secure transactions

Room to Improve

  • 🐛 Inconsistent transaction speeds
  • 🐛 Account issues and delays
  • 🔍 Lack of transparency in fees

More Cashless Africa apps to explore

4
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

Free bank account openingFree money transfersAutomated savings
💰 Finance
(133K)
freemium
5
LemFi
LemFi
LemFi
Global payment for everyone
Free

Send money overseas easily and affordably to loved ones in Europe, Africa, Asia, and Latin America. Manage and exchange money in multiple currencies with competitive rates and low or zero transfer fees. Earn rewards by referring friends.

Send money overseasLow or zero transfer feesMulti-currency account
💰 Finance
(68K)
free
6
Payactiv
Payactiv
Payactiv
On-demand pay and beyond
Free

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

Early access to wagesGovernment payment early accessSpending and saving tools
💰 Finance
(77K)
free
7
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Bank, Budget & Build Credit
Free

This app offers instant cash advances up to $1,000 without interest or credit checks. It also automatically builds your credit with every purchase and provides AI-powered financial tools to optimize your money.

Instant cash advances up to $1,000Automatic credit building on every purchaseAI agents for job finding, deals, price comparison, and budgeting
💰 Finance
(30K)
free with in-app purchases
8
Myaza: Africa’s Money App
Myaza: Africa’s Money App
Myaza: Africa’s Money App
Move money across Africa
Free

Easily send, receive, and exchange money across over 21 African countries in seconds. This app supports multiple currencies and offers a free virtual USD card for global spending. It's designed for travelers, freelancers, and business owners needing fast, borderless financial solutions.

Send money to 21+ African countriesInstant currency exchange (USDT, NGN, KES, USD)Multi-currency wallets
💰 Finance
(140)
free
9
Moniepoint Personal Banking
Moniepoint Personal Banking
Moniepoint Personal Banking
Savings account | Send money
Free

This app provides a secure and convenient way to manage your finances in Nigeria. Open an account, send and receive money instantly, pay bills, buy airtime, and grow your savings with competitive interest rates. It offers a comprehensive digital banking solution for everyday financial needs.

Open bank account instantlySend and receive money fastEarn up to 18% interest on savings
💰 Finance
(28K)
free
10
Ingo Money - Cash Checks
Ingo Money - Cash Checks
Ingo Money - Cash Checks
by Ingo Money, Inc.
Free

Cash almost any type of check quickly and easily from your phone. Get funds in minutes directly to your bank account, prepaid card, or PayPal. Avoid long lines and deposit holds with a simple photo submission process.

Cash paychecks, business checks, and personal checksFunds deposited in minutesTransfer to bank, prepaid card, or PayPal
💰 Finance
(8.9K)
free with in-app purchases
11
Branch: A Better Payday
Branch: A Better Payday
Branch: A Better Payday
Your money—fast
Free

Access your earned wages instantly with flexible payout options. This app provides a free digital bank account and debit card, along with financial wellness tools to help you save, spend, and manage your money effectively.

Fast wage accessDigital bank accountDebit card
💰 Finance
(67K)
free with in-app purchases
12
Varo Bank: Online Banking
Varo Bank: Online Banking
Varo Bank: Online Banking
Early Payday & Cash Advances
Free

This digital bank offers early payday access and cash advances up to $500. It provides high APY on savings, auto-saving tools, and a free secured credit card. Send money easily to anyone with just a phone number or email.

Early payday accessNo monthly or overdraft feesCash advances up to $500
💰 Finance
(233K)
free
13
Ecobank Mobile App
Ecobank Mobile App
Ecobank Mobile App
by ECOBANK NIGERIA PLC
Free

Manage your bank accounts and perform financial transactions instantly and securely on your mobile device. Access banking services 24/7, send money across 33 African countries, and open a digital account.

Send money to 33 African countriesOpen Ecobank Xpress AccountCheck account balances and history
💰 Finance
(1.3K)
free
14
TrueMoney - Pay & Earn Coins
TrueMoney - Pay & Earn Coins
TrueMoney - Pay & Earn Coins
Effortless Money Management
Free

This financial app simplifies everyday transactions, offering cashless payments for bills, mobile top-ups, and purchases. It provides secure money management, exclusive deals, and investment options, while also supporting business growth.

Cashless and cardless paymentsMobile top-ups and bill paymentsOnline and offline purchases
💰 Finance
(284)
free with in-app purchases
15
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

Access your PayCard and on-demand earnings instantly. Manage your accounts, transfer funds, deposit checks remotely, and pay bills. Earn cash back rewards and find nearby ATMs.

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts
💰 Finance
(182K)
free
16
ShopBack: Cashback & Rewards
ShopBack: Cashback & Rewards
ShopBack: Cashback & Rewards
Save money while shopping
Free

Earn money back on your purchases by shopping through this app. Discover deals, use coupon codes, and get rewarded with cashback on online and in-store purchases. Withdraw your earnings easily via PayPal or bank transfer.

Earn cashback on online shoppingDiscover deals and coupon codesComplete shopping quests for bonus rewards
🛍️ Shopping
(1.7K)
free
17
MoMo App
MoMo App
MoMo App
Your Ultimate Financial App
Free

Manage all your finances in one place with this comprehensive financial app. It offers secure login, money transfers, bill payments, loans, and virtual cards for convenient transactions and online shopping.

All financial needs in one placeSecure biometric loginSend and receive money
💰 Finance
(1.1K)
free
18
UKG Wallet
UKG Wallet
UKG Wallet
Live The Life You Earned
Free

Access earned wages before payday to pay bills, avoid fees, and manage unexpected expenses. This app offers early direct deposit, instant fund transfers, and tools for budgeting and saving. Enjoy banking without hidden fees and secure payment options.

Early paycheck and government payment depositImmediate access to earned wagesInstant mobile payments and fund transfers
💰 Finance
(17K)
free
19
Grey: Inclusive Global Banking
Grey: Inclusive Global Banking
Grey: Inclusive Global Banking
Send & Receive Money Globally
Free

Open a free global bank account in minutes to send, receive, exchange, and manage multiple currencies. Easily make international payments, generate invoices, and pay bills worldwide with competitive exchange rates and 24/7 support.

Free global bank accountsMulti-currency managementInternational money transfers
💰 Finance
(5.7K)
free with in-app purchases
20
PLS Mobile
PLS Mobile
PLS Mobile
Financial Services with PLS
Free

Manage your prepaid card finances directly from your phone. Check your balance, view statements, and review transaction history to stay in control of your spending. You can also freeze or unfreeze your card and find nearby store locations.

Check daily balanceFreeze/unfreeze prepaid cardView statements
💰 Finance
(20K)
free