Money Transfer That Builds Credit for African

Transfer money, build credit. Made for African immigrants in the US




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Get to your next big thing (and the next and the next) with Kredete.

Open a U.S. account fast. With no hassle.

Instant, fee-free transfers in 20+ countries.

Buy, sell, trade 24/7. Crypto that's simple.

Credit building with every transfer.

Global accounts in 16+ African countries.

Predictive exchange with Kredete AI.


Get Banked in the U.S.

Access financial services in the US with an international ID, including passports. You’ll get an FDIC-insured account to help you manage your finances and a free Visa debit card to shop in stores and online. No overdraft or foreign transaction fees.

International Money Transfer

Send and receive money instantly in 20+ countries, fee-free

Send money back home at competitive rates. Zero fees make us better and our transfers are just as fast and secure.


Better Credit Starts Here

Take the first step and start tracking your credit score for free in the Kredete app. Then, you can easily help build your credit with the Kredete Builder Card on everyday purchases.

On average, customers see a 42+ point increase after 3 months of on-time payments when using the Kredete Builder Card.

Subscription Tracking

Low Balance Alerts

Personalized Insights

Payment Monitoring


Predictive Forecasts


We are supercharging Africans in the Diaspora

Try the World’s first AI assistant dedicated to personal finance for African Immigrants in the U.S. Money Stress? Kredete’s Got You

Get the app

Buy, Sell, and Settle crypto trades in real-time, 24/7, across 65+ digital assets

Crypto trading, deposits and withdrawals, P2P transfers, rewards, or spend with crypto with Kredete


Open an account in 16+ countries in less than
5 minutes

Your account works exactly like it would if you were home

$ecurity & FDIC Insurance

Secured and Insured

With the FDIC

Kredete, Inc. is registered and regulated by FinCEN (The Financial Crimes Enforcement Network) as a Money Services Business. Kredete is a financial technology company. Banking services are provided by licensed banking partners.

Disappoint thieves

Every month, our customers trust us to move around $10 million of their money. Here are some of the important ways we protect them.

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Our dedicated fraud and security teams work to keep your money safe

We use 2-factor authentication to protect your account

We hold your money with established financial institutions

Stay in Control
with Alerts

You’re always in-the-know with daily balance
notifications and transaction alerts

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Money Movement Without Borders

Our dream is for people to live and work anywhere seamlessly. That means money without borders: moving it instantly, transparently, conveniently, and — eventually — for free.

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How We Make People Feel

Very cordial and ready-to-help customer service. Contains all I require to make things work for me. I love it with Kredete!


I looooove this app it has helped me so much with building my Credit


I’ve used several other online banks and Kredete has by far been the easiest to use - Kwame


Sending money has never been so easy! It's cheap, with a good exchange rate and it's so easy for my family to withdraw. It's like being in Senegal!


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