Send. Receive. Pay it Forward.

KogoPAY is a socially conscious fintech start up providing virtual IBANs accounts and mobile wallet. We want to be inclusive, support the unbanked and creating ecosystem that is building a fairer society by helping, supporting, and advancing community. Download KogoPAY today, give back, and pay it forward.

A world without poverty
KogoPAY is the ethical mobile payment solution!
Making it easy for everyone to pay with a smile!
Let’s build a fairer world together!

Explore KogoPAY

Secure and Convenient

Your KogoPAY app uses a PIN to protect your security and payments can only be made to verified members. Members can only be verified by their passport, proof of residence, or citizen ID.

Notifications and transaction listings enable you to check all your transactions.

We keep all your details safe, and we are regulated by European Central Bank and the Financial Conduct Authority (FCA) in the UK with our own licenses.

How to Use KogoPAY


Create New Account

Create an account to start sending and receiving money – to and from your friends, family and KogoPAY verified members.


Verify Your Identity

To maintain a secure and safe payment system, we verify your identity (by passport, proof of residence or citizen ID) and confirm your email address or phone number.


Ready to Use

We're focused on simplicity and speed. Get money to your friends and family quickly via our global verified membership network.


Send and receive money in no time (Send money, QR)

Join our free global digital network to send and request money wallet-to-wallet or via QR codes. Our app is fully regulated, complying with the highest industry standards.

KogoPAY News

KogoPAY is delighted to announce new investment from two investors in our UK holding company Smile Money Limited
Our CEO, Dr. Narisa signed a strategic partnership agreement with His Excellency Sheikh Abdulaziz bin Duaij Khalifa al Khalifa in Dubai.
KogoPAY selected as 1 of 11 companies for London Fintech Trade mission to the UAE with the Mayor of London’s International Business Programme
Royal Investment Summit in Dubai
Our CEO attended the Royal Investment Summit in Dubai Read more