Multi-currency wallets built for the way you move.
SSP · KES · UGX · USD, all in one place.
Hold multiple currencies side by side, swap between them instantly and always send in the currency that clears fastest for your recipient.
Hello,
Akol
Total Balance
SSP 125,450.00
Recent Activity
See allReceived from John D.
Today · 10:24
Paid Electricity Bill
Yesterday
Everything your money needs, in one wallet.
Dedicated currency wallets
Separate balances for SSP, KES, UGX and USD — no forced conversion.
Instant in-app exchange
Swap between supported currencies in seconds at transparent rates.
Send in the right currency
Pay a recipient in what their country supports, without extra hops.
Clear FX pricing
See the exchange rate, spread and fee before you confirm any swap.
USD as a bridge
Use USD as a stable store of value between local currency corridors.
Protected balances
PIN, biometric and device controls on every wallet — always on.
Why Apay wallets
Built for cross-border life
Whether you earn in one country and spend in another, or trade across the region, Apay wallets keep every currency where you need it.
No hidden conversions
We never convert your money without asking. What you hold stays exactly as it is until you choose to swap it.
Fair, transparent rates
Every exchange preview shows the mid-market reference rate, our published rate and the total spread — before you tap Confirm.
Wallets — common questions
One account. Four currencies. Endless possibilities.
Open your Apay account today and start holding the currencies that actually match your life.