What is Accrue and how does it work?

Accrue is a cross-border payments and personal finance app that lets you send money to family and friends across Africa and the US in minutes, with payouts to bank accounts, mobile money, or M-Pesa. It also offers savings features where you can earn daily interest in US dollars, shop with digital gift cards, and save toward goals.

How much does Accrue cost?

Accrue offers competitive rates for international transfers with some of the lowest fees in the market. Specific pricing varies by transfer destination and amount, but the app emphasizes affordability compared to traditional money transfer services.

What countries does Accrue operate in?

Accrue operates in Ghana, Nigeria, Kenya, South Africa, Cameroon, Côte d’Ivoire, Benin, Sierra Leone, Uganda, Tanzania, Rwanda, Zambia, Malawi, Botswana, DR Congo as well as the United States.

How do I sign up for Accrue?

Accrue offers tailored, separate sign-up processes for individuals via a mobile app and for businesses via a dedicated web-based merchant dashboard.

Does Accrue have a mobile app?

Yes, Accrue has mobile apps available on both iOS (Apple App Store) and Android (Google Play Store).

Who is Accrue best suited for?

Accrue is best suited for people sending money internationally to family and friends in Africa or the US, those wanting to earn interest on savings in US dollars, and individuals seeking affordable cross-border payment options without traditional banking fees.

How do I contact Accrue support?

You can contact Accrue support via email at hello@useaccrue.com

Does Accrue have a plan for teams or businesses?

The Accrue Business plan provides tailored tools for teams, including virtual USD/EUR accounts, local payment rails across 15+ African nations, and expense management via virtual cards.

Accrue

🇳🇬 Nigeria 🇧🇯 Benin 🇧🇼 Botswana+12 more

A mobile-first cross-border payments app for individuals sending money between Africa and the US, with bank, mobile money, M-Pesa payouts, ACH USD transfers, and savings.

Use it on:Web iOS· 4.6 Android· 4.3

Is Accrue right for you?

Best for

Africa to US transfers
US to Africa remittances
Diaspora senders
Mobile money recipients
People saving in dollars

What it does well

Fast Africa US transfers
Mobile money payouts
M-Pesa payouts
ACH dollar transfers
Virtual cards

Things to check

Supported payout countries
Bank vs mobile payout options
Transfer fees and rates
Transfer limits
Savings withdrawal rules

Accrue is a mobile-first cross-border payments and personal finance app for individuals who need to send and receive money between Africa and the US quickly.

Key capabilities include:

Cross-border payouts across Africa: send money to multiple African countries, including Nigeria, Ghana, Kenya, South Africa, Cameroon, Cote d'Ivoire, Benin, Sierra Leone, Uganda, Tanzania, Rwanda, Zambia, Malawi, Botswana, and DR Congo, with payouts to banks, mobile money (MoMo), or M-Pesa, typically in under 5 minutes.
USD account for ACH transfers: send and receive USD payments via ACH to and from US banks using a dedicated USD account.
Virtual USD card: request a virtual dollar card for online shopping, with options to customize the card.
Dollar savings tools: save in USD with products such as Savings Pocket (daily interest, no lock-up), Goals, Challenges (group savings), and Vault (fixed-term savings), with stated returns up to 7% annual interest.
Instant peer transfers and payment links: send free instant transfers to other users via @Crewtag, and share a Deposit Link to receive money from anyone.

Available on Android and iOS.

It targets consumers such as students, gig workers, creators, and small businesses who receive client payments or support family and friends across Africa and the US.

Notable in the African market for supporting multi-country African payouts alongside US ACH and in-app USD savings, with stated flat fees from USD1 and a published footprint spanning West, East, Central, and Southern Africa. For support, contact hello@useaccrue.com.

As of Jul 6, 2026, Accrue is rated 4.6 on the App Store from 1.5K reviews and 4.3 on Google Play from 3.8K reviews with 100K+ installs.

Social Links:

Categories:

Fintech

Features & Business Model: