For Personal Users
Your Money, Your Rule
Send and receive money globally, create virtual accounts in multiple currencies, without hidden fees .
Partners and Communities
How users benefit from our solutions
From freelancers to crypto natives, Upesa unlocks borderless financial freedom for everyone.
Get paid globally from international platforms like Upwork, Toptal, and more with virtual USD/EUR accounts.
Up and running in minutes
Getting started as a personal user on Upesa is simple, fast, and free.
Download the App
Get Upesa from the App Store or Google Play. It's completely free with no upfront costs.
Choose Personal Purpose
During onboarding, select "Personal Purposes" to unlock features tailored to individual users.
Complete KYC Verification
Verify your identity in under 5 minutes. Submit your ID and selfie — no paperwork, no branch visits.
Start Transacting
Add funds via bank transfer, stablecoin deposit, or P2P from another Upesa user. You're all set. Send money globally, create virtual accounts, manage payroll, and more.
Powerful solutions for personal and business users
Three core capabilities available to all Upesa users regardless of their chosen purpose.
Virtual Account
Receive payments through local bank transfers in multiple currencies like NGN, EUR, GBP and many more
Explore Now →Global Payout
Send money to 30+ countries with competitive FX rates, transparent pricing and near-instant settlement times unbeatable by traditional banks.
Explore Now →
Discover how we helped customers transform their finances
David Onyilimba
Co-founder, Play2Learn Games
Upesa possesses a top notch customer service and gives me a very seamless user experience till date.
Yussuff Mojolaoluwa
Freelancer
A payment platform you can trust as a freelancer
Adedeji Q.
Web3 enthusiast
Upesa is hands down the best instant payment app I've used! From the moment I opened it, the interface felt smooth and intuitive, no confusion, no hassle.
Wahab Adeleke
Freelancer
Upesa made managing money effortless. Sending, and receiving is instant. It feels like a financial platform truly built for our generation simple, fast, and empowering.
Edidiong
Entrepreneur
Upesa is such a trail blazing mobile first application that meets your payment needs, I really appreciate how I can seamlessly send local and foreign currencies with no hassles. Setting up was super easy and their customer service team is stellar.
EdwinXploit
Freelancer
I have been using UPESA for a while now and i can affirm that it's a unique product fixing a major utility problem. As a freelancer, Upesa makes the services i render fun as i enjoy my payment stress free. Special shout out to the Founder and team. Keep building.
Rated 4.9/5 from over
600 review