---
title: "Accrue: Money Transfer App in Africa"
description: "Send money between Africa and the US in under 5 minutes to banks, mobile money or M-Pesa in 15 countries. USD ACH account, virtual card, save up to 7%."
canonical_url: "https://liners.com/accrue"
markdown_url: "https://liners.com/accrue.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/useaccrue/screenshot.webp?v=1774109809278"
published_at: "2026-03-21T17:05:41.754Z"
updated_at: "2026-10-06T10:39:56.205Z"
---

# Accrue: Money Transfer App in Africa

Send money between Africa and the US in under 5 minutes to banks, mobile money or M-Pesa in 15 countries. USD ACH account, virtual card, save up to 7%.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Accrue](/accrue)

## Summary

Send money between Africa and the US in minutes

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://useaccrue.com/ |
| Tagline | Send money between Africa and the US in minutes |
| Primary country | Nigeria |
| Platforms | iOS, Android, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/accrue/alternatives)
- [Reviews](/accrue/reviews)
- [Transparency](/accrue/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/accrue)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)