Log In Open Account
Open an Account
Our Services

Everything your money needs, nothing it doesn't.

Four core services, each built to do one job extremely well. Transfers, accounts, cards, and the tools to use them all at the right moment — no bundled features you'll never touch.

120+
Countries reached
0.1%
Avg. transfer fee
<5 min
Account setup time
30+
Currencies supported
International Transfers

Send money anywhere, and watch it actually arrive on time.

Move funds to over 120 countries in real time, at exchange rates that don't quietly eat into what your recipient receives. Every transfer shows its fee and rate up front — what you see at checkout is what lands on the other end.

  • Real-time trackingFollow a transfer from send to landing, step by step.
  • Mid-market ratesThe rate banks use to trade with each other, not a marked-up retail rate.
  • 120+ destinationsSame-day settlement to most major corridors.
  • Rate alertsGet notified when a currency hits the rate you're waiting for.
Start sending money →
International transfer screen
Transfer Screen assets/images/services/international-transfers.jpg · ~600×460px
Sent to LagosArrived in 4 hours
Digital Accounts

A checking and savings account that opens in minutes, not weeks.

No branch visit, no paper forms, no waiting on hold. Verify your identity, fund your account, and you're transacting the same day — with one dashboard for balances, statements, and transfers.

  • Zero monthly feesNo maintenance charges, no minimum balance penalties.
  • Joint accountsShare an account with a partner or family member.
  • Full statement historyExport any period as PDF or CSV, instantly.
  • Sub-accountsSplit savings into labeled pots for different goals.
Open an account →
Digital account dashboard screen
Dashboard Screen assets/images/services/digital-accounts.jpg · ~600×460px
Account openedReady in 4 minutes
Cards & Payments

Cards built for how you actually spend.

A virtual card issues instantly for online purchases, with a physical card on the way for everyday use. Freeze either one, set category limits, or spin up a fresh virtual number in seconds if a number ever gets compromised.

  • Instant virtual cardsSpend online the moment your account is funded.
  • Spend controlsSet per-category or per-merchant limits in the app.
  • One-tap freezeLock a card instantly if it's lost or misplaced.
  • Live notificationsA push alert lands the second a charge goes through.
Get a card →
Cards and payments screen
Card Screen assets/images/services/cards-payments.jpg · ~600×460px
Card frozenUnlock anytime in-app
Rate Alerts & Tools

Move money when it's actually worth moving.

Live exchange-rate charts and custom alerts mean you're not guessing. Set a target rate for any pair you watch, and we'll tell you the moment it's hit — built for anyone who sends money internationally on a regular basis.

  • Live rate charts24-hour and historical views for every supported pair.
  • Custom rate targetsSet the exact rate that makes a transfer worth it.
  • Historical lookbackCompare today's rate against the past 12 months.
  • Email + push alertsChoose how and where you want to be notified.
Set a rate alert →
Rate alerts and tools screen
Rate Chart Screen assets/images/services/rate-alerts-tools.jpg · ~600×460px
Rate alert hitUSD/NGN reached target
Transparent Pricing

One simple fee. Posted before you confirm anything.

No monthly account fees, no inactivity charges, no markup hidden inside the exchange rate. Here's exactly what each service costs.

Service Fee Speed Limit
International transfer 0.1% Same day $50,000 / tx
Digital checking account $0/mo Instant No cap
Virtual card issue Free Instant 10 active cards
Physical card shipping Free 5–7 days 1 per account
Currency conversion Mid-market Instant 30+ currencies
Rate alerts Free Real-time Unlimited
Getting Started

Up and running in under 5 minutes.

Every service above lives behind the same simple setup. No branch visit, no paperwork.

1

Create your account

Enter your email and basic details. No credit check, no hard pull.

2

Verify your identity

Upload a government ID. Our AI verification completes in seconds.

3

Fund your wallet

Link an existing bank or card to make your first deposit instantly.

4

Use any service

Transfer, get a card, set a rate alert — all from one dashboard.

SterloxPay vs. Traditional Banking

The difference shows up on day one.

SterloxPay

  • Account opens in under 5 minutes
  • Mid-market exchange rate, always
  • $0 monthly maintenance fee
  • 24/7 live human support
  • Transfer fee shown before you confirm

Traditional Bank

  • Often days to weeks, plus a branch visit
  • Rate marked up, often undisclosed
  • Monthly fees unless a balance minimum is met
  • Phone trees, limited hours
  • Fees often appear after the transfer is sent
Common Questions

Answers before you ask.

No. Opening a SterloxPay digital account is free, with no monthly maintenance fee and no minimum balance requirement. You only pay for what you actively use, like an international transfer.

The mid-market rate — the same rate banks use to trade currencies between themselves. We add a flat, disclosed transfer fee on top, shown clearly before you confirm. No hidden markup inside the rate.

Most major corridors settle the same day, often within a few hours. Some destinations may take up to 1–2 business days depending on local banking infrastructure — you'll see an estimated arrival time before you send.

Yes. Every account includes one free physical card, shipped within 5–7 business days, plus up to 10 active virtual cards for online spending — all manageable from the same dashboard.

Yes. Deposits are insured up to the standard coverage limit, and every transaction is monitored by real-time fraud detection backed by our transaction guarantee.

Pick a service, open an account.

Most customers are set up and sending money the same day.

Open an Account