Kovaly offers you a multi-currency account, a Visa card, and instant transfers — between Europe and Africa. Send money, shop online, take care of your loved ones.
Virtual & physical. Free virtual card included.
Receive transfers directly to your account.
Free & instant between Kovaly accounts.
Orange, Airtel, M-Pesa — direct.
Built for movement
How it works
No branch visits, no paperwork. Everything from your phone.
Sign up with your phone number. Fast identity verification included.
Top up via SEPA transfer, mobile money, or card.
Transfer instantly between Kovaly accounts, pay with your Visa card, or cash out to mobile money.
What Kovaly offers
Money appears in Kovaly accounts in seconds. Send from Kovaly to Kovaly — always free, always instant.
Kovaly to KovalyReceive transfers directly to your Kovaly account. Your own IBAN, ready to use.
SEPA compatibleFree virtual Visa card with every account. Physical card available for a one-time fee. Pay online and in-store worldwide.
Free virtual cardSend money between Europe and Africa instantly. Transparent rates, no hidden fees.
Europe ↔ AfricaHold and convert EUR, USD, and CDF in one place. Always know the rate before you convert.
EUR · USD · CDFSend and receive via Orange Money, Airtel Money, or M-Pesa. No bank account required on the receiving end.
Orange · Airtel · M-PesaSecurity & compliance
Built on regulated financial infrastructure with multiple layers of protection for your funds.
Join our waitlist and get early access at launch. No spam, just the essentials.
Join the waitlist