SurgePay — fast, secure money for everyday life

SurgePay lets you open multi-currency wallets, move money with confidence, and manage virtual cards—all in one simple app.

- Quick, secure sign‑in
- Email/password with smart validation
- Optional biometric login (Face ID/Touch ID)
- Transaction PIN for approvals
- Two‑factor authentication and easy password/PIN changes

- Multi‑currency wallets (USD & NGN)
- Create wallets in a tap and view real-time balances
- See full account details (account/routing numbers)
- Clean, modern card views tailored to each currency

- Convert money with live rates
- Intuitive “From/To” cards with swap
- Transparent rate and fee preview
- Instant recipient‑gets calculation

- Send and receive
- Send to bank accounts or Surge wallets
- Clear review + confirmation flow with PIN
- Save beneficiaries and reuse them quickly
- Request money from other users

- Virtual cards
- Create virtual cards after quick KYC
- Pick country and card style
- Fund or withdraw, see fees and equivalents
- View and copy card details securely

- KYC made simple
- Guided verification with selfie (liveness) camera
- Live status for Personal Details, ID, and Liveness checks

- Transactions you can trust
- Clean history with filters for incoming or outgoing

- Built‑in support and profile
- In‑app live chat for instant help
- Profile editing, notifications, and preferences in one place

Surgepay brings clarity, control, and confidence to your money—so you can send, convert, and pay without friction.