Accrue: The cross-border payment app

Need an easier way to pay and get paid across Africa and the US? Accrue helps you send money in minutes, save in US dollars, shop online with virtual and gift cards, and grow your money - all from your phone. Join thousands of people who trust Accrue to handle their money safely and simply.

Here's How Accrue Works for You:

🌍 Send Money to Family & Friends Quickly

Send money to any African country in minutes, straight to a bank account, MoMo or MPesa. Enjoy great rates to Ghana, Nigeria, Kenya, South Africa and more, so you keep more of your money.

🌍 Get Your Own Dollar Account

Receive dollars from anywhere in the world with your personal USD account. Perfect for getting paid by international clients or family abroad.

🏦 Send Money to US Bank Accounts

Send dollars straight to a US bank account in a few taps. Enter the bank details once and send anytime - no confusing bank codes or forms.

💳 Shop Online with Virtual Cards

Create a virtual dollar card in seconds, add money instantly and pay securely on international websites.

🎁 Get Gift Cards & Digital Essentials

Buy gift cards for Amazon, ASOS, PlayStation Network, App Store and more. Top up airtime or get instant eSIM data plans for travel.

💵 Grow Your Money Daily in Dollars

Deposit your local currency, hold it in dollars and earn interest every day - no complicated terms or hidden fees.

🎯 Save for What Matters

Save for a new phone, a holiday or school fees. Save on your own or join friends in savings challenges to reach your goals faster.

🔒 Lock Your Savings for Better Results

Vault lets you set money aside until a date you choose, so you aren't tempted to touch it.

💸 Send Money to Friends for Free

Send dollars to friends on Accrue instantly and at no cost using their @crewtag.

📩 Get Paid Easily with One Link

Share your payment link and receive money in your local currency - Naira, Cedis or Shillings.

🛍️ Sell Online with Ease

Create your own online store, sell to customers across Africa and get paid instantly.

🔒 We've Got Your Back

No hidden fees or monthly charges. Just fast, secure and reliable transactions, with a friendly support team on email, Twitter and Instagram.

⚡ Accrue Shap and the Accessibility API

Accrue Shap uses Android's Accessibility Service API to read and fill in your network's USSD pop-up. It is not an accessibility tool. It works only on that pop-up, and only during a payment you start.

Data it collects and why
• Phone number: the recipient's mobile money number, to send the payment and check where it went.
• Name: the recipient's name shown by the network, to confirm who was paid.
• Purchase history: each payment's amount, reference, network, time and result, to mark the order paid and prevent paying twice.
• Crash logs: about the app and device, to fix problems.

Who receives it
• Agents: Cashramp gets the payment record and the network's confirmation (name, number, amount; balances removed).
• Users: Accrue gets the payment record only. The name and number stay on your phone.
• Crash logs go to Google Firebase Crashlytics.
• Support gets a USSD log only if you share it.
• Your data is never sold.

Accrue Shap never saves or sends your PIN, and never reads other apps, your screen, messages or contacts. It is optional, stays off until you agree to the in-app disclosure, and can be turned off any time in Settings › Accessibility.

Download Accrue Now and Make Your Money Work Better for You!

Got Questions? Need Support?
Contact us at help@useaccrue.com. We're always happy to help! 😊