Payments & Wallets

Multi-currency wallet with great FX rates. Useful in Europe, UK, US.

East Africa's mobile money — Kenya, Tanzania, Mozambique. Pay anyone by phone number; in Kenya the app is now Safaricom's My OneApp.

Argentina, Brazil, Mexico, Chile mobile wallet — handles QR pay and transfers.

Multi-currency account with mid-market FX. Best for cross-border transfers.

China's other major payment app. Travelers can link an international Visa or Mastercard directly.

A well-known Indian UPI app, now a distant third to PhonePe and Google Pay.

India's UPI app with widest merchant acceptance, often paired with Paytm.

Brazil's instant payment system, built into every Brazilian bank app. It needs a Brazilian account and CPF, so most visitors can't use it — cards work almost everywhere.

South Korea's most-used mobile wallet, built into KakaoTalk — but it needs a Korean bank account and ID, so visitors generally can't use it.

Swedish BNPL & shopping app now in 26 countries incl. the US, UK, and Germany. Travelers can use it as a card alternative.

Vietnam's leading e-wallet for payments, transfers, and bill pay — geared to residents with a Vietnamese bank account.

Japan's most popular QR-code payment, accepted at most convenience stores — but registration generally needs a Japanese phone number.

China's dominant payment method alongside Alipay. It is a wallet inside the WeChat app — there is nothing separate to install.