Best Cross-Border Payments Apps

100+ iOS apps curated and reviewed

4.1 avg rating
20 free apps
Updated June 2026

Looking for free cross-border payments apps? 20 of our 100+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Cross-Border Payments

Accrue: Send. Spend. Sell.#1

Accrue: Send. Spend. Sell. by Accrue DCA Limited

The cross-border payment app
Editor's Choice
💰 Finance
4.6😐(1.5K ratings)
Free
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Accrue: An all-in-one financial platform for sending money across Africa, creating virtual dollar cards for online spending, saving in dollars, selling goods and services, investing in stocks and cryptocurrencies, and more. Enjoy fast transactions, best exchange rates, and responsive customer support. Download now to maximize your money! Contact us at hello@useaccrue.com.

What We Love

  • 🚀 Fast and reliable
  • 👍 User-friendly interface
  • 💰 Good rates and minimal fees
  • 🔒 Secure transactions

Room to Improve

  • 🐛 Account restrictions and suspension issues
  • ⏱️ Slow virtual card issuance
  • 💳 Problems with card usage and funding
Frex: 0 fee global payments#2

Frex: 0 fee global payments by Frex Technologies Private Limited

Send money across borders
Strong Contender
💰 Finance
4.3(158 ratings)
FreeAds
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Send money from the USA to India instantly with zero fees and competitive exchange rates, with the option to transfer funds to all major banks across India. Sign up now to experience fast, secure, and hassle-free international money transfers with 24/7 customer support.

Corpay Cross-Border Mobile#3

Corpay Cross-Border Mobile by Cambridge Mercantile Corp.

Worth Considering
🔧 Utilities
5.0(1 ratings)
Free
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This mobile app allows clients to securely trade and manage their accounts globally, providing easy access to review balances, get quotes, book trades, and make payments on the go. Download the app to start trading anytime, anywhere, with a valid login to get started.

More Cross-Border Payments apps to explore

4
UGLYCASH
UGLYCASH
UGLYCASH
Your Bank Won’t Do This
Free

Join a financial platform that offers a U.S. bank account with no fees and instant money transfers to Latin America. Enjoy services like sending dollars internationally, using a Mastercard® debit card, and easily transferring funds through various apps. Start your membership now for a unique banking experience.

💰 Finance
(513)
5
Platnova
Platnova
Platnova
Easily pay across the globe
Free

A secure international money transfer app for Africans worldwide, offering easy setup, multiple payment options, virtual cards, currency exchange, bill payment, and 24-hour support. Transfer money across different countries with competitive rates and no fees. Find us on social media @getplatnova for more information and assistance.

💰 Finance
(160)
6
CBE Connect
CBE Connect
CBE Connect
by COMMERCIAL BANK OF ETHIOPIA
Free
💰 Finance
(14)
7
Munify - Borderless Pay
Munify - Borderless Pay
Munify - Borderless Pay
Borderless Stablecoin Payments
Free

This neobank app provides a global USD account for individuals to receive money, spend online with virtual cards, and send funds securely. With it, users can instantly open a USD account, receive international payments, spend globally, and transfer money to their home country quickly and easily.

💰 Finance
(21)
8
BoC Pay+
BoC Pay+
BoC Pay+
by Bank of China (Hong Kong) Limited
Free

This mobile application allows users to manage their credit cards, top up value, earn points, and offset spending with points for local and cross-border transactions. It provides a one-stop platform for convenient payment and reward redemption, with features like password-free small amount payments and instalment application.

💰 Finance
(11)
9
Unplex
Unplex
Unplex
Send Money at Google Rates
Free
💰 Finance
(5)
10
Hizo: Spend Easy Across Africa
Hizo: Spend Easy Across Africa
Hizo: Spend Easy Across Africa
Pay Like Local Across Africa
Free

Send and spend Naira anywhere in Africa with ease, making fast and secure payments without conversion stress or dollar middlemen. Download the app, create an account, and start spending your Naira like a local in Africa, with the recipient receiving the funds in their local currency.

💰 Finance
(12)
11
Tribapay: Redefining Payments
Tribapay: Redefining Payments
Tribapay: Redefining Payments
Super Finance App
Free

Tribapay: Revolutionizing payments for Africa! Send money across borders seamlessly and collect payments easily with our innovative features. Explore endless financial opportunities now!

💰 Finance
(42)
12
AFi Payments
AFi Payments
AFi Payments
Easy & fast payments in Ghana
Free

This application enables fast, easy, and affordable commercial payments within Africa, particularly in Ghana, allowing users to send and receive payments, track financial activities, and build a digital financial footprint. With robust security measures in place, users can make payments, request payments, and manage their finances efficiently, and are also encouraged to provide feedback to improve the service.

💰 Finance
(6)
13
Wakapay Cross-Border Money
Wakapay Cross-Border Money
Wakapay Cross-Border Money
Cross-border payments
Free
💰 Finance
(0)
14
Xuno
Xuno
Xuno
Cross-Border Payment Made Easy
Free

A fintech platform empowers individuals and businesses to easily send, receive, and manage money across borders, converting currencies and offering tools to manage transactions, save with competitive rates, and explore loans. Start using it today for a simpler and smarter way to manage global finances.

💰 Finance
(13)
15
Falconlite
Falconlite
Falconlite
by Falconlite Inc
Free
💰 Finance
(1)
16
FasterPay
FasterPay
FasterPay
Seamless Cross-Border Payments
Free

Send and receive payments globally with a safe and fast application, tracking your money in real-time while saving on excessive exchange fees. Download the app to access features like fast registration, encrypted vault, QR code payments, instant transfers, and 24/7 support.

💰 Finance
(29)
17
redpayments
redpayments
redpayments
cross-border payment platform
Free

This cross-border payment platform enables businesses to accept payments from Chinese customers via popular platforms like Alipay and WeChat Pay, settling transactions in Australian dollars quickly and securely. By integrating this platform, merchants can expand their reach, gain valuable transaction insights, and improve the customer experience with fast and low-cost payments.

💰 Finance
(0)
18
iPaynow
iPaynow
iPaynow
iPaynow Cross-border Payments
Free

This application simplifies cross-border payments for merchants and individuals, offering a range of services including transaction tracking, billing, and easy collection. With its user-friendly technology, it enables foreign merchants to accept payments and allows Chinese users to make payments abroad seamlessly.

💰 Finance
(0)
19
Altery
Altery
Altery
Work and spend without borders
Free

This financial application supports digital professionals in managing their finances globally, offering a range of services including a personal e-wallet, IBAN, digital debit card, and cross-border payments. With competitive fees and a secure platform, users can easily receive, send, spend, and convert money in various currencies, making it ideal for those with a nomadic and global lifestyle.

💰 Finance
(5)
20
YOUNGESTGEXCHANGE
YOUNGESTGEXCHANGE
YOUNGESTGEXCHANGE
Cross-border payments for SMEs
Free
💰 Finance
(1)