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. You may lock your app, or disable payments for added protection.

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

We keep all your details safe, and we are regulated in the UK by the Financial Conduct Authority (FCA).


Send and Request Money in Seconds

Send money to someone just by using their phone number, email address, or membership name. Request money the same way.

Withdraw cash, link bank accounts and credit cards. Send funds to a KogoPAY member in foreign currency using KogoPAY and enjoy highly competitive rates.

All transactions are visible in your app and you can create separate wallets for each currency.


A Built-in Wallet that's Tailored for You

All of our customers are unique. With KogoPAY, you can create a bespoke version of our app with wallets in multiple currencies.

You can use your currency wallets to send and receive money, topping them up from your bank account or credit card.

Transfers from wallet to wallet in your local currency incur no commission fees, making them the ideal way to send money to friends and family.

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.


Exchange money between wallet

Move money internationally with our simple cross-border payments. Exchange money using your phone via electronic transfer or a cash withdrawal.


Withdraw Cash at Superrich in Thailand

Use your KogoPAY app to withdraw cash at shopping malls, airports (including Suvarnabhumi Airport), and shopping centres via our preferred partner, Superrich Thailand. it's easily spotted with distinctive green logos.

KogoPAY News

KogoPAY Selected for Mayor of London's International Business Programme

We are delighted to announce that KogoPAY has been selected for the Mayor of London's International Business Programme. The programme is highly regarded and helps London-based startups expand internationally by providing access to learning and promotional opportunities.
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KogoPAY Secures an Additional £1 million in Pre-Series A Investment

We are delighted to announce that KogoPAY has secured £1m of pre-Series A investment from major investors in Asia.
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KogoPAY Signs Memorandum of Understanding with Lightnet

London, 10 June 2020: KogoPAY, the socially conscious mobile payments Fintech start-up, is delighted to announce the signing of a Memorandum of Understanding (MOU), through its holding company Smile Money Ltd, with Lightnet.
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Women in Tech Global Awards Recognises Dr Narisa Chauvidul-Aw

The Women in Tech Global Awards were held on 6 November at the beautiful Foz Palace in Lisbon. Our international jury rewarded six outstanding women in six different categories. Congratulations to the winners!
Read more


Our app will be ready soon!

Access your money with a quick tap of your mobile phone. Send payments to almost anywhere in the world in seconds. Manage the way you send and spend at a glance. Give to the needy and raise money at fundraisers with easy QR code payments.

The KogoPAY app will be ready very soon. To receive updates on the launch of the KogoPAY app, please register here.