Your whole financial life, everywhere in the world
CFPAY brings multicurrency accounts, instant international transfers, cards, savings, investing, credit and compliance into a single space. Open your account, verify your identity and send your first payment in under two minutes, without installing a single app.
- Instant transfers
- Multicurrency
- Biometric signature
- No app to install
180+ countries · 75+ currencies · settlement in seconds
One account. Every money job, done properly.
No download, no app store, no update to manage. Every module below is live inside your CFPAY space.
One account. Every money job, done properly.
Swipe through the products that come with your CFPAY account. Each one opens in the same space, on any screen.
Global transfers
Send with an email, an @tag or an eight digit reference. Conversion and fee shown before you confirm.
Multicurrency balances
Hold, receive and convert 75+ currencies, each with its own statements and limits.
Cards for every purpose
Physical, virtual and single use cards. Freeze instantly, control limits to the penny.
Market rate exchange
Convert at a rate you can read, with the fee separated from the rate, never hidden inside it.
Vaults & round ups
Ringfence money by goal and top it up automatically on every payment you make.
Shares, ETFs & metals
Self directed or managed, with performance, real costs and currency exposure always visible.
Instant simulations
Personal credit, overdraft and invoice financing simulated and signed biometrically.
Treasury that scales
Bulk payments, payroll, virtual accounts for reconciliation and role based access.
Why people move their money to CFPAY
Each module is one click away, straight from this site
Nothing is reserved for a mobile app: every function listed below opens directly inside your CFPAY space, with the same performance on a phone and on a desktop.
Sending money becomes as simple as sending an email
When your account is created, your email address is paired with a unique eight digit CFPAY reference. That reference is public and risk free: it lets you receive money from anywhere in the world without ever sharing your bank details.
Global scale, measured in seconds
The numbers that matter when your money crosses a border.
CFPAY against the old way
The everyday verdict
“I paid my supplier in Lagos from London on a Sunday evening. He confirmed the money had landed before I closed the tab.”
“Four currencies, one balance, zero mental arithmetic. I finally know what a transfer actually costs me.”
“Payroll for eleven people used to take a morning. It now takes one signed batch and a coffee.”
The app, without the app store
CFPAY is a full bank inside your browser. Add it to your home screen and it behaves exactly like a native app, with nothing to update and nothing to install.
- Works on any phone, tablet or desktop
- Add to home screen in one tap
- Biometric signature straight from the browser
Each module is one click away, straight from this site
Nothing is reserved for a mobile app: every function listed below opens directly inside your CFPAY space, with the same performance on a phone and on a desktop.
Everyday banking
Send & receive
Grow your money
Cards & benefits
Protect & work
My account
Four steps, under two minutes
The journey is guided end to end: at no point do you have to work out which information to supply or which document to prepare.
Email address, identity and compliance details. Your eight digit CFPAY reference is generated automatically.
Identity document, mapped address, proof of address filmed live and a facial check with liveness detection.
A securely authorised bank card or a balance top up, with preauthorisation to guarantee instant execution.
Send, receive, pay, exchange, save and invest. Every sensitive operation is signed with biometrics.
What customers ask before opening an account
Do I need to install an app to use CFPAY?+
No. CFPAY is a fully web based bank: account opening, biometric identity verification, payments, cards, savings and statements all work in your browser, on mobile and on desktop alike. You can add the site to your home screen to get the comfort of a native app, with no download and no updates to manage.
How does sending money abroad work?+
Every account receives a unique eight digit reference tied to your email address. You enter that reference, an email address or an @tag, plus the amount and CFPAY instantly calculates the conversion, the fee and the exact amount the recipient will receive. The debit is taken from your balance or an authorised card, with a biometric signature before execution.
What information is requested when I open an account?+
Full identity, an address verified against the official mapping database, a proof of address filmed live, an identity document, a facial check with liveness detection and compliance details such as occupation, source of funds and politically exposed person status. The guided journey always shows what remains outstanding.
What happens if a compliance control fails?+
Sensitive operations stay suspended and the “My compliance file” page lists precisely each missing element, with a direct link to the field or capture to complete. As soon as the file is complete you rerun the automated controls and activation is immediate if everything checks out.
Are my funds and my data protected?+
Every operation is encrypted end to end and signed from your device with a fingerprint or Face ID. Data access follows least privilege: nobody, including support staff, can change your regulatory status or lift a card freeze without an explicit server side control.
Is CFPAY suitable for a company?+
Yes. The Business module covers bulk payments, payroll, employee cards with limits, virtual accounts for reconciliation, invoice financing and cash flow forecasting, with distinct roles for directors, accounting and operators.
Your global bank opens in under two minutes
Create your account, verify your identity with biometrics and make your first transfer in the same session, from any browser, with nothing to download.