SurgePay: Global Payments, Crypto, Savings & Investing App

A complete financial platform built to help you take control of your money by giving you smarterways to send money globally, receive payments, swap crypto, manage multiple currencies, save and invest, pay with virtual cards

Download onApp Store

Available onGoogle Play Store

SurgePay app home screen showing a $12,040 wallet balance with fund, send, request and convert actions

Features

Everything you need to move, manage, and grow your money

Explore the powerful tools inside SurgePay

Send Money Anywhere, Effortlessly
Send, receive, and request money across borders or locally. All from one secure platform.
Learn More about sending money abroad
Your digital dollars, simplified
Manage, send, receive, swap, and convert digital assets from one secure crypto wallet.
Learn More about the SurgePay crypto wallet
Your money, in every currency
Create virtual accounts and manage multiple currencies from one place.
Learn More about multi-currency virtual accounts
Earn while you save
Earn yield on your USDC or Ethereum with Base Savings and Ethereum Savings.
Learn More about earning yield on savings
YIELD EARNED
+4.71%
APY
Base Savings
USDC
Balance
$12,450.00
APY4.85%
Pay securely anywhere
Create virtual cards for shopping, subscriptions, and everyday payment.
Learn More about SurgePay virtual cards
Invest in what matters
Buy and sell stocks easily and build your investment portfolio.
Learn More about investing in stocks
Google
Google Inc.
USD 398.67
+4.80%
Your digital dollars, simplified
Manage, send, receive, swap, and convert digital assets from one secure crypto wallet.
Learn More about converting digital dollars

Get started in minutes

Create your account, verify your identity, and start managing money. All from one app

Step 1
Download The SurgePay App
Sign up in minutes with your email
Step 2
Verify your identity
Complete a quick verification to unlock your account
Step 3
Explore your financial world
Send money, open virtual accounts, save, invest, and manage digital assets, all in one place.

Download App

What makes SurgePay different?

Unlike traditional wallets or payment apps, SurgePay isn’t just built on top of a blockchain. It’s built into it. That’s what makes it faster, more secure, and far cheaper to use.

Your Security Comes First
Advanced fraud detection and compliance with bank-level security for all transactions.
Virtual Borderless Cards
Spend online/offline worldwide with low forex fees, funded by local currency or digital dollars.
Multi-currency wallets
Deep integration with the Stellar blockchain: fast, reliable, and transparent.
Business Solutions
Prepaid and business credit cards, global payroll, and invoicing tools for enterprises.
International Remittances
Low-cost cross-border transfers with integration to 20+ Nigerian banks and mobile money.
Instant P2P transfers
Backed by stablecoins, giving you the stability of fiat with the efficiency of crypto.

Financial tools for modern lifestyle

Whether you’re building a business, working remotely, studying abroad, or simply looking for a smarter way to manage your money, SurgePay adapts to your needs.

Real stories. Real experience

Discover how SurgePay is helping people send, save, spend, and invest with confidence every day.

Surgepay virtual card makes my local and international payment transactions and receipts very easy. It's the in thing now 😘😎
kenny@kenny4508720701 on X
Fast, low fees, and easy to use. SurgePay has made sending money across borders so much simpler. Verification was quick and the app is smooth overall
MateGoogle Play review
this has to be the best payment platform i’ve ever used fast, simple and easy to navigate with every feature you need in a payment app
helvyseApp Store review
I totally enjoy using SurgePay for my USDC transactions. The Stellar blockchain integration makes everything transparent, fast, and extremely cheap compared to other wallets. I recommend it for everyone, it's beginner-friendly.
precious godwinGoogle Play review

You should use @surgepay_io instead. Better rates, easier interface and can do lots more
Francis Umeh@Francis_umehh on X
The user interface is straightforward with a healthy balance between aesthetics and utility. Sending money is an effortless process!
kazi08App Store review
Super reliable and smooth. SurgePay makes managing transactions effortless. The latest update runs fast, and the user experience is top-notch. Easily a 5-star app
skillerGoogle Play review
Seamless transaction, nice interface and ease of understanding. Highly recommended to receive funds from overseas. Try it out today!
The IfeoluwaApp Store review

Surgepay virtual card makes my local and international payment transactions and receipts very easy. It's the in thing now 😘😎
kenny@kenny4508720701 on X
Fast, low fees, and easy to use. SurgePay has made sending money across borders so much simpler. Verification was quick and the app is smooth overall
MateGoogle Play review
this has to be the best payment platform i’ve ever used fast, simple and easy to navigate with every feature you need in a payment app
helvyseApp Store review
I totally enjoy using SurgePay for my USDC transactions. The Stellar blockchain integration makes everything transparent, fast, and extremely cheap compared to other wallets. I recommend it for everyone, it's beginner-friendly.
precious godwinGoogle Play review

You should use @surgepay_io instead. Better rates, easier interface and can do lots more
Francis Umeh@Francis_umehh on X
The user interface is straightforward with a healthy balance between aesthetics and utility. Sending money is an effortless process!
kazi08App Store review
Super reliable and smooth. SurgePay makes managing transactions effortless. The latest update runs fast, and the user experience is top-notch. Easily a 5-star app
skillerGoogle Play review
Seamless transaction, nice interface and ease of understanding. Highly recommended to receive funds from overseas. Try it out today!
The IfeoluwaApp Store review

SurgePay 🔥
David Ogoegbunem@DavidOgoegbunem on X
SurgePay is that one app, which I'm able to receive and send money to my friends and family across other African countries and they receive it in their local currency instantly, and handles my P2P. The virtual card works everywhere from subscriptions to international shopping.
Happiness OkoroGoogle Play review
I've been exploring SurgePay, and I like how it brings essential financial tools into one app. The ability to manage multi-currency wallets, send and receive money, convert funds, and use virtual cards makes everyday transactions more convenient. The app is easy to navigate, and features like biometric login, 2FA, and transaction PINs help add an extra layer of security. Overall, SurgePay offers a smooth and practical experience for managing money with confidence.
Uduak EtimGoogle Play review
Downloaded the app out of curiosity and ended up pleasantly surprised. The user experience is simple, the design looks professional, and everything feels easy to navigate. I really like the vision of making global payments more accessible and efficient. Looking forward to seeing more features and updates as the platform continues to grow. Great work by the team!
Budde Vijay KumarGoogle Play review
This is the best fintech app Smooth transaction and very easy to navigate, you should check it out
Mera GoldApp Store review
I really enjoyed the experience and it’s beginner friendly.. referred my friends and they loved it as well
BarnaxppppApp Store review
I love the onramp and offramp feature it is super fast
Johnson SegunApp Store review
I totally enjoy using Surge pay for my USDC transactions
Bibi123eleApp Store review
No delay whatsoever with sending money internationally. As soon as I sent money it was received I’m talking about within seconds. And there’s a cryptocurrency integration as well. It’s really easy and intuitive to use and the layout is visually appealing too. Amazing app all around for sure
L0M3inApp Store review
Seamless interface and functionality
EsosaEApp Store review
I was able to open NGN account in under 2 mins
SeunstlApp Store review

Have questions? We’ve got answers

Find answers to the questions people ask most before getting started with SurgePay.

Can I send money to people in other countries?

Yes, you can send money to over 50 countries worldwide. Our platform supports instant transfers to most destinations with competitive exchange rates.

Is my money safe with SurgePay?

Absolutely. We use bank-level security including 256-bit encryption, two-factor authentication, and regular security audits. Your funds are protected by enterprise-grade security measures.

Which currencies do virtual cards support?

Our virtual cards support multiple currencies including USD, EUR, GBP, and major African currencies. You can create cards in different currencies based on your needs.

Are there hidden fees for cross-border payments?

No, we believe in complete transparency. All fees are clearly displayed before you confirm any transaction. There are no hidden charges for cross-border payments.

How long do transfers take?

To other app users: instant. To banks: usually under 5 minutes (may take longer on weekends).

How can I create a virtual card?

Go to the Cards screen and tap “Create a Virtual Card”. You must complete your verification before you can create a virtual card.

Can I buy USDT/USDC with my local currency?

Yes. You can use our on-ramp services to purchase USDT via bank transfer, card, or other supported local payment methods.

Is the app free to use?

Yes! You can download and use the basic features for free.

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