All-in-one banking for everyone

Banking Without Barriers.

Send, save, and spend money globally with zero hassle, zero hidden fees, and 100% freedom.

Why FlowPay?

Say goodbye to the old way of banking.

Traditional banks slow you down with paperwork, hidden charges. FlowPay is built for the new world borderless, fast, and transparent.

Open an account in minutes

Create your FlowPay account instantly from your phone with no long processes.

Zero-fee transfers worldwide

Send money across borders without worrying about hidden charges.

Multi-currency wallets (USD, GBP, EUR, NGN)

Hold, exchange, and spend in multiple currencies all in one secure wallet.

Instant virtual cards for online shopping

Generate safe, one-time virtual cards instantly for stress-free online payments.

Super convenient online banking

You can view your account balances, transaction history, and statements, and even set up custom alerts to help you stay on top of your finances.

Income and expenses tracker
Stay on top of your money with smart tracking that automatically categorizes your income and spending, giving you clear insights into where your money goes.
Automated invoicing
Send professional invoices in seconds, get paid faster, and keep all your transactions organized without lifting a finger.
Crypto connection
Seamlessly connect your FlowPay wallet with crypto, making it easy to buy, hold, and convert digital assets alongside your everyday banking.

For Global Citizens, Freelancers & Businesses

Whether you’re a student, a freelancer, or running a startup, FlowPay makes your money work without limits.

  • Freelancers & Remote Workers → Get paid in multiple currencies without losing money to fees.

  • Students Abroad → Save money on transfers and manage expenses easily.

  • Small Businesses & Startups → Invoicing, payroll, and bulk payments made simple.

How It Works

3 Simple Steps to Get Started

  1. Download the FlowPay app

  2. Open your account in minutes (no paperwork)

  3. Start sending, saving & spending anywhere in the world.

Trusted by Thousands of Global Users

Join a fast-growing community of freelancers, students, and entrepreneurs who trust FlowPay to move money without borders. ⭐ Rated 4.9/5 on App Stores 🌍 50+ countries served 💸 Millions in transactions processed

Sandra Jones, CEO @ Penta.UK

Wallet Integrations

Whether you’re at home, at work, or on the go, our online banking platform is accessible from your computer, tablet, or mobile device. With our mobile banking app, you can even deposit checks and manage your accounts on the go.

Learn More

Make secure payments in stores, online, and in apps with just a touch of your Apple device.

Easily link your PayPal account to your online banking for seamless and secure online payments.

Accept payments from customers around the world directly from your online banking platform.

Easily and securely transfer funds to over 70 countries around the world at competitive rates.

Get Started