Built on FluxMobile infrastructure

The wallet that works
everywhere you go

FluxMoney is your instant, borderless digital wallet. Send money to any phone number, receive payments, top up airtime and data, and cash in via a local agent — all in one app.

Create Free Account → Sign In →
150+
Countries
20+
Payment Partners
<3s
Transfer Speed
$0
FluxMobile-to-FluxMobile
What you can do

Everything money. One wallet.

FluxMoney handles the full range of digital financial services — from pocket change to enterprise transfers.

💸
Send Money
Transfer funds to any phone number globally. Instant settlement to mobile money wallets, bank accounts, or another FluxMoney user.
Free for FluxMobile users
💵
Receive Money
Get paid by anyone, anywhere. Share your wallet number or generate a payment request link — funds arrive in seconds.
No receiving fees
📡
Buy Data & Top Up
Top up any phone number with data or airtime credit. Supports 150+ countries and 20+ mobile operators including M-Pesa, MTN, and bKash.
From $1
🤝
Cash via Agent
Deposit or withdraw cash through a local FluxMoney agent. Hand them cash, they load your wallet instantly — no ATM needed.
Growing network
📱
Airtime → Wallet
Convert your airtime balance directly into FluxMoney wallet credit. Dial a USSD code, confirm, done — works on any feature phone.
USSD supported
💳
Card Payments
Pay with Visa, Mastercard, or any debit card directly from your FluxMoney wallet. Secure Stripe checkout — no sensitive data stored.
Low processing fee
₿
Crypto
Buy and sell crypto using your FluxMoney wallet balance. Convert between stablecoins and local currency at real-time rates.
Coming soon
📊
Blockchain Audit Log
Every transaction is recorded on an immutable ledger. View your full history, download statements, and verify any transfer instantly.
Built in
Getting started

Up and running in 3 steps

1
Create your account
Sign up with your phone number or email. No credit card required to start.
2
Verify your identity
Complete quick KYC (Know Your Customer) verification — takes 2 minutes, unlocks higher limits.
3
Start transacting
Send, receive, top up, and withdraw. Your FluxMoney wallet is live and ready to use.
Transparent pricing

No hidden fees. Ever.

Simple, predictable pricing. What you see is what you pay.

FluxMobile → FluxMobile transfer
Sending between two FluxMoney users
FREE
Always
Money transfers (external)
M-Pesa, MTN MoMo, bank accounts, etc.
0.5–1%
Per transaction
Airtime / Data top-up
Topping up any phone number globally
From $1
Flat per transaction
Cash deposit via Agent
Loading wallet with cash
0–1%
Agent-dependent
Crypto conversions
Buying/selling with wallet balance
1–2%
Market rate

Ready to get started?

Create your FluxMoney account in under 2 minutes. No credit card, no commitment.

Create Free Account → Sign In →