---
title: "SurgePay: Money Transfer App in Nigeria"
description: "Send and receive cross-border transfers in Nigeria, hold USDC/EURC/XLM, exchange at live rates, and fund virtual cards. Integrates 20+ banks."
canonical_url: "https://liners.com/surgepay"
markdown_url: "https://liners.com/surgepay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/surgepay/screenshot.webp?v=1778020693677"
published_at: "2026-05-07T12:47:17.176Z"
updated_at: "2026-09-15T10:07:09.578Z"
---

# SurgePay: Money Transfer App in Nigeria

Send and receive cross-border transfers in Nigeria, hold USDC/EURC/XLM, exchange at live rates, and fund virtual cards. Integrates 20+ banks.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [SurgePay](/surgepay)

## Summary

Send, spend, and exchange stablecoins across borders

A mobile app for global Africans to send and receive cross-border payments, hold stablecoins, exchange currencies, and fund virtual cards with low fees.

## Product details

| Field | Value |
| --- | --- |
| Website | https://surgepay.tech/ |
| Tagline | Send, spend, and exchange stablecoins across borders |
| Primary country | Nigeria |
| Platforms | Web, iOS, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

SurgePay is a stablecoin-first money transfer and payments app for global Africans who need to receive, hold, send, and spend money across borders.

Key capabilities include:
- **Multi-currency wallets** with deep **Stellar blockchain** integration, supporting stablecoins such as **USDC**, **EURC**, and **XLM**, plus 10+ African and foreign currencies
- **Real-time P2P and cross-border transfers** designed for fast delivery and low fees, with transparent charges and support for sending money across countries
- **Virtual borderless cards** funded by stablecoins or local currency, designed for online and offline spending worldwide with low forex fees
- **Currency exchange at live market rates**, allowing users to convert supported currencies from a single wallet

Available on **Android** (Google Play) and **iOS** (App Store).

Built for **diaspora remittances, freelancers, travelers, and cross-border shoppers**, with additional **business tools** such as prepaid and business credit cards, global payroll, and invoicing for enterprises.

Notable in the African payments context for combining **stablecoin rails** with local payout connectivity, including **international remittances** that integrate with **20+ Nigerian banks and mobile money**, and positioning itself as a non-bank fintech that delivers banking-like services through licensed partners.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Loyalty & Rewards](/tags/loyalty-rewards): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [P2P](/tags/p2p): Product feature or technology
- [Remittances](/tags/remittances): Product feature or technology
- [Stablecoins](/tags/stablecoins): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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