SurgePay

Send and Receive money, your way.

Move money across borders, receive payments in USD or crypto, and send it wherever you need: bank accounts, mobile money, wallets, or another SurgePay user.

Smiling woman sending money on her phone with SurgePay

Send Money where it needs to go.

Whether you’re paying someone nearby or sending money across borders, choose the route that works for you.

  • Bank Account

    Send directly to any local or international bank account.

  • Crypto

    Send and receive supported crypto assets from your SurgePay wallet.

  • SurgeTag

    Send instantly to another SurgePay user by SurgeTag.

  • Mobile Money

    Send to M-Pesa, Airtel Money and other mobile wallets.

Send money to

Convert & Move

Got paid in one currency? Move it into what you need.

Convert between currencies and crypto, or move your funds to your bank or mobile money, all in one place.

  • USDC
  • SOL
  • ETH

+more

  • Local currency
  • Bank
  • Mobile money
Surge Tag

Send and receive without sharing bank details.

Share your SurgeTag and get paid directly on SurgePay. It’s fast, easy and secure. No account number, no IBAN, just @you.

SurgePay app screen for choosing the currency to send
Crypto

Move crypto without the complexity.

Receive, send and convert supported crypto assets directly from your SurgePay wallet.

  • SOL (Solana)
  • Base
  • XLM (Stellar)
  • ETH (Ethereum)
  • USDT (Tether)
  • TRX (Tron)

+ More..

Real people, Real reasons

See how SurgePay helps you move money for what matters most.

  • Woman smiling at a payment notification on her phone

    Getting paid

    Receive salary or money in USDC and move it to your local bank.

  • Man typing on his phone to send money home

    Sending money home

    Support your family with fast, affordable transfer.

  • Woman in sunglasses smiling as she checks her phone in the city

    Paying someone

    Send to another SurgePay user using SurgeTag

  • Man smiling while moving crypto on his phone

    Moving crypto

    Receive, send or convert crypto assets.

Built for people who move globally: reliable global payments for freelancers and teams.SurgePay Send Money screen showing a 100 USD transfer to Nigeria

It Only Takes 3 Simple Steps.

  1. 1

    Choose

    Pick how you want to send money.

  2. 2

    Enter

    Add the recipient or wallet details and amount.

  3. 3

    Send/Receive

    SurgePay handles the transfer instantly.

Have questions? We’ve got answers

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

How does SurgePay handle currency exchange?

SurgePay converts your money at the exchange rate shown in the app. You see the rate, the transfer fee and exactly how much your recipient gets before you confirm.

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.

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).

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.

Looking for something else? Browse all FAQs

Still have questions?

Can’t find the answer to your question? Send us an email and we’ll get back to you as soon as possible.

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