Open your multi-currency account and get
your Visa card in 2 days, completely free.

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Currently available to the WAEMU members.

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Get a global bank account in minutes.

Win up to $2500 by referring friends.

Join the waitlist to get early access—Invite friends to win up to $2500 and enter a draw for a new iPhone 14 Pro Max with AirPods Pro when we launch the app.

Empowering the people of today through digital banking services -
All you need is your smartphone to start enjoying zero fees.

Your Card, Your World

Everything you get with MoneyFlap

  • A free VISA card, accepted worldwide.

    Pay at millions of retail and online merchants and withdraw money from any ATM worldwide.

  • Earn up to 0.25% cashback on all your card spending.

  • Add your card to Google Pay and Apple Pay in seconds.

  • Enjoy virtual cards designed for your online life needs.

  • Choose the card that best suits your style. Freeze and unfreeze your card in-app - when it goes missing or gets stolen.

  • Africa's First Eco-Friendly Bank Card.

    Protect the planet by getting a card that is 100% manufactured from recycled plastic.

  • Africa's First Numberless Bank Card.

    Enjoy a healthier financial life with no card number, expiry date or CVV visible on the card. We protect you from cybercriminals.

Send To Anyone

Receive From Anyone

Instantly send, request, or receive any amount of money from other MoneyFlap accounts without all the fuss and fees across the WAEMU region. Pay and get paid via QR code.

With your account details, send and receive money from any bank, all free and unlimited – set up Early Direct Deposit and get your salary up to 2 days earlier, all within your MoneyFlap account.

Set up fast money transfers to non-MoneyFlap members locally for a very low fee. Send and receive money globally for excellent exchange rates – cheaper and faster than existing providers.

Pay Bills

With Ease

No need to stand in long queues to pay your bills. MoneyFlap is the easiest way to donate to charities and pay utility bills, tuition fees, and so much more, all commission-free!

Say goodbye to borrowing money for everyday transactions, split them with anyone. Stress-Free.


Buy Airtime

and Internet Data

Easily recharge the balance of any phone or buy internet data bundles from any operator around the world - only using your MoneyFlap account. No hassle. No fees.

Get insights on your spending habits

Want to know where all your money goes?

Get an exact insight on where, when, and how much you have spent your money through our simple budgeting tools and expense tracker.

Set your goals by giving yourself a daily, weekly, or monthly budget to ensure you do not go over your limit.

Save your money aside with pots and separate it from your current balance. Organize and manage all your subscriptions in one place.

Save for your children’s education, events, and even trips! Download an easy-to-read, structured bank statement right from the app.

Your end-to-end Security, Our priority


Get notified instantly on all your activities, withdrawals, transfers and card payments.


We comply with all regulations to ensure that your money is kept safe.


Our systems are built with AES 256-bit encryption, biometric recognition, and 3D Secure technology.

Exercise Your Freedom, Live Free


No hidden fees
No monthly fees
No minimum balance


Spend abroad like a local in USD, Euro, and more!
Zero Forex Markup 😎


Login to the app using fingerprint, PIN or facial recognition


24/7 multilingual in-app customer support


Cash withdrawals at all the MoneyFlap Super Agents


Cash deposits at all the MoneyFlap Super Agents

Introducing Francophone Africa’s First Truly Financial Super App to Change The Way You Bank