We are not a bank.
We are a bulldozer.
We are not a bank.
We are a bulldozer.
Get paid to send, save, and spend money.
Get paid to send, save, and spend money.
A Global Account
That Prioritizes You
A Global Account
That Prioritizes You
Say goodbye to the barriers of the conventional financial system.
Step into the new era of financial liberation where your money knows no borders, no restrictions, no exorbitant transaction fees, only growth!
This is Mobile Money, reimagined.
Say goodbye to the barriers of the conventional financial system.
Step into the new era of financial liberation where your money knows no borders,
no restrictions, no exorbitant transaction fees, only growth!
This is Mobile Money, reimagined.
Say goodbye to the barriers of the conventional financial system. Step into the new era of financial liberation where your money knows no borders, no restrictions, no exorbitant transaction fees, only growth! This is Mobile Money, reimagined.
Savings
Savings
Earn up to 4–19% — and beyond.
Earn up to 4–19% — and beyond.
Tired of low returns on traditional savings? Earn stable or high-growth yields from a diversified portfolio that fits your values — conventional or 100% riba-free. Backed by bonds, real estate, stocks, and staking. No minimums. 24/7 access.
Tired of low returns on traditional savings? Earn stable or high-growth yields from a diversified portfolio that fits your values — conventional or 100% riba-free. Backed by bonds, real estate, stocks, and staking. No minimums. 24/7 access.
Teleport your money from one country to another, fee- free
Teleport your money from one country to another, fee- free
Whether it is Italy or Mexico, save up to 15x when sending money there - Oh, 0% exchange rate mark-up and no sneaky hidden fees! Even no more entering account numbers. Earn points on transfers.
Whether it is Italy or Mexico, save up to 15x when sending money there - Oh, 0% exchange rate mark-up and no sneaky hidden fees! Even no more entering account numbers. Earn points on transfers.
Send money in 100+ currencies to your contacts or anyone in seconds.
Send money instantly to bank and mobile money accounts in 100+ countries.
Send and receive stablecoins within seconds from external wallets.
Pay With The Most
International Card
Pay With The Most
International Card
Pay With The Most
International Card
Tired of high card fees? Create virtual cards, save 4.5%, and start spending instantly with Google Pay or Apple Pay. Want more? Get a sleek, mirror-metal, numberless credit card for secure, premium spending—card details always available in the app.
Rewards
T&Cs Apply
T&Cs Apply
2X points per $1 spent
2X points per $1 spent
Discounted airport services through MoneyFlap Lounge*
Discounted airport services through MoneyFlap Lounge*
Up to 35% cashback through MoneyFlap Mall
Up to 35% cashback through MoneyFlap Mall
5,000X bonus points after $1,000 spent
through MoneyFlap Mall
5,000X bonus points after $1,000 spent through MoneyFlap Mall
Up to 35% discount on bookings through MoneyFlap Travel*
Up to 35% discount on bookings through MoneyFlap Travel*
10,000X bonus points after $2,000 spent
through MoneyFlap Travel*
10,000X bonus points after $2,000 spent through MoneyFlap Travel*
A Smarter Card
A Smarter Card
Travel Insurance Package & Perks
Travel Insurance Package & Perks
Auto Rental Insurance
Extended Warranty Coverage
Visa Digital Concierge Service
Visa Digital Concierge Service
Cell Phone Insurance
Baggage Loss Insurance
Visa Luxury Hotel Collection
Trip Interruption Protection
Purchase Protection
Baggage Delay Insurance
Visa Airport Companion
Trip Delay Protection
Return Protection
Emergency Medical Service
Travel Accident Insurance
Auto Rental Insurance
Extended Warranty Coverage
Visa Digital Concierge Service
Cell Phone Insurance
Baggage Loss Insurance
Visa Luxury Hotel Collection
Trip Interruption Protection
See all benefits
Purchase Protection
Baggage Delay Insurance
Visa Airport Companion
Trip Delay Protection
Return Protection
Emergency Medical Service
Travel Accident Insurance
Travel Accident Insurance
See all benefits
Material
100% Recycled Plastic or
20g Metal
100% Recycled Plastic or
20g Metal
Signature
Signature
$0
$0
Annual fee
Annual fee
$0
$0
Foreign Transaction Fee
Foreign Transaction Fee
WORLDWIDE
WORLDWIDE
Fee-free ATMs*
Fee-free ATMs*
Earn up to 35%
Earn up to 35%
unlimited cash-back on your favorite brands, for real!
unlimited cash-back on your favorite brands,
for real!
unlimited cash-back on your favorite brands, for real!
Welcome to our virtual shopping mall! Where else can you shop from numerous top brands and get up to a 35% cash-back on every purchase? Imagine the hundreds or even thousands of dollars you could be pocketing each year! Be a smarter shopper.
Welcome to our virtual shopping mall! Where else can you shop from numerous top brands and get up to a 35% cash-back on every purchase? Imagine the hundreds or even thousands of dollars you could be pocketing each year! Be a smarter shopper.
Electronics
Cashback
Travel
Cashback
Pets
Cashback
Fashion
Cashback
Beauty & Cosmetics
Cashback
Home & Garden
Cashback
With your MoneyFlap account, go from underserved to what you deserve
With your MoneyFlap account, go from underserved to what you deserve
Global cash-in
and cash-out
Instantly deposit or withdraw cash in your local currency at any MoneyFlap Agents with no fee or at MoneyGram locations in over 181 countries.
Easy deposits & withdrawals
Quickly link your bank or mobile money accounts or stablecoin wallets to deposit and withdraw funds.
Buy airtime and data
Instantly recharge credit and data for any phone, worldwide and get 6% cashback weekdays and 10% on weekends.
Flawless bill payments
Instantly pay bills globally in a few clicks, with no extra cost. Get 5% cashback at select countries.
Early direct deposits
Working for a US employer? Receive your salary up to 7 days early, instantly and worldwide. Fric, not friction!
Smart subscriptions management
Signed up for a trial with your card and forgot to cancel? Block all unwanted subscriptions in-app.
Scan & Pay at MoneyFlap merchants
Whether it is a taxi, restaurant, or gas station, we've got you! Scan that QR code and earn 4X points rewards on every $1 spent.
Global cash-in
and cash-out
Instantly deposit or withdraw cash in your local currency at any MoneyFlap Agents with no fee or at MoneyGram locations in over 181 countries.
Easy deposits & withdrawals
Quickly link your bank or mobile money accounts or stablecoin wallets to deposit and withdraw funds.
Buy airtime and data
Instantly recharge credit and data for any phone, worldwide and get 6% cashback weekdays and 10% on weekends.
Flawless bill payments
Instantly pay bills globally in a few clicks, with no extra cost. Get 5% cashback at select countries.
Early direct deposits
Working for a US employer? Receive your salary up to 7 days early, instantly and worldwide. Fric, not friction!
Smart subscriptions management
Signed up for a trial with your card and forgot to cancel? Block all unwanted subscriptions in-app. (Available soon)
Scan & Pay at MoneyFlap merchants
Whether it is a taxi, restaurant, or gas station, we've got you! Scan that QR code and earn 4X points rewards on every $1 spent.
Master your Spending Habits
Master your Spending Habits
Our intelligent analytics presents you with easy-to-understand charts and a summary of your transactions so you can track your finances and make better spending decisions. No spreadsheet. No calculator!
Our intelligent analytics presents you with easy-to-understand charts and a summary of your transactions so you can track your finances and make better spending decisions. No spreadsheet. No calculator!
Our intelligent analytics presents you with easy-to-understand charts and a summary of your transactions so you can track your finances and make better spending decisions. No spreadsheet. No calculator!
Connect, Feel,
and Engage Like You’re There!
Connect, Feel,
and Engage Like You’re There!
Stay close with friends—chat, call, and share photos—while Pom, your AI super-agent, plans trips, shops, researches, solves math, tracks news, edits images, searches online, and sends money. (Coming Soon)
Stay close with friends—chat, call, and share photos—while Pom, your AI super-agent, plans trips, shops, researches, solves math, tracks news, edits images, searches online, and sends money. (Coming Soon)
Hey there, how are you?
Fantastic! Thanks for the
transfer!
Hey there, how are you?
No problem!
Write a new message
How much do you need?
1.500
choose up to
25 installments
Loan granted
+ 2.000
Zac Relief Fund — No Interest. Ever.
Zac Relief Fund — No Interest. Ever.
Borrow $5 to $500 instantly. No interest, no hidden fees, no collateral. Just one flat yearly access fee. Need more? Lock a bit of savings. Your ZacScore grows as you repay and save — unlocking bigger, collateral-free loans.
Borrow $5 to $500 instantly. No interest, no hidden fees, no collateral. Just one flat yearly access fee. Need more? Lock a bit of savings. Your ZacScore grows as you repay and save — unlocking bigger, collateral-free loans.
Borrow $5 to $500 instantly. No interest, no hidden fees, no collateral. Just one flat yearly access fee. Need more? Lock a bit of savings. Your ZacScore grows as you repay and save — unlocking bigger, collateral-free loans.
Available Soon
Available Soon
We do SIMs too!
We do SIMs too!
Travel smart, enjoy unlimited roaming with MoneyFlap eSIM! Forget the old-fashioned ways of changing cards or hunting down Wi-Fi spots abroad. Be it a trip to Paris or an exotic vacation - connect your life with just a click.
Travel smart, enjoy unlimited roaming with MoneyFlap eSIM! Forget the old-fashioned ways of changing cards or hunting down Wi-Fi spots abroad. Be it a trip to Paris or an exotic vacation - connect your life with just a click.
Available Soon
Available Soon
We Take Your Security to New Heights
We Take Your Security to New Heights
Compliance-first
Compliance-first
From day 1, we are regulated across multiple jurisdictions. Each transaction is protected up to $5,000 by Coincover against theft and fraud.
From day 1, we are regulated across multiple jurisdictions. Each transaction is protected up to $5,000 by Coincover against theft and fraud.
From day 1, we are regulated across multiple jurisdictions. Each transaction is protected up to $5,000 by Coincover against theft and fraud.
Break-free control
Push notifications, 2-step verification, biometrics, card controls, and fraud detection to protect you from any fraudsters, 24/7.
Break-free control
Push notifications, 2-step verification, biometrics, card controls, and fraud detection to protect you from any fraudsters, 24/7.
Push notifications, 2-step verification, biometrics, card controls, and fraud detection to protect you from any fraudsters, 24/7.
Bankruptcy remote
Your funds are fully segregated, held with regulated custodians, and secured by AAA/AA+ Treasury Bonds rated by Moody’s, S&P, and Fitch.
Bankruptcy remote
Your funds are fully segregated, held with regulated custodians, and secured by AAA/AA+ Treasury Bonds rated by Moody’s, S&P, and Fitch.
Bankruptcy remote
Your funds are fully segregated, held with regulated custodians, and secured by AAA/AA+ Treasury Bonds rated by Moody’s, S&P, and Fitch.
VIP customer support
Have an account query at 3 am? Ok. Chat with our team 24/7 through the app.
Have an account query at 3 am? Ok. Chat with our team 24/7 through the app.
Have an account query at 3 am? Ok. Chat with our team 24/7 through the app.