Morse

Avian Labs

About this app

Morse is the global account for expats, freelancers, nomads, and remote workers. Whether you recently moved abroad, have family in another country, or live across borders, your bank probably wasn't built for it. Morse was. Spend anywhere with a Visa card, move money between your accounts worldwide, send money to 150+ countries, and get paid from companies abroad in USD and EUR. Sign up in minutes and add money via bank account, Google Pay, or Apple Pay. Best exchange rates, low fees, no surprises. 

SPEND ANYWHERE WITH YOUR MORSE CARD.
Get a virtual debit card linked to your Morse balance and spend anywhere Visa is accepted. Travel anywhere and pay in dollars, euros, or local currency. No markups, no conversion surprises. Pay for subscriptions, add to Apple Pay and Google Pay, and earn cashback on your spending. 

MOVE MONEY BETWEEN YOUR OWN ACCOUNTS.
Got accounts and wallets spread across the world? Morse connects them all. Move money between your own accounts without the usual cross-border transfer costs. Whether you get paid abroad, just landed somewhere new, or split life across countries. International transfers in seconds, not days. 

THE REAL EXCHANGE RATE. ALWAYS.
Morse uses the mid-market exchange rate. The same one banks use with each other. No markups. No hidden fees. What you see is exactly what gets sent. Convert USD to MXN, USD to BRL, EUR to USD, and more. Compare that to what your bank charges. 

GET PAID FROM DEEL, UPWORK OR COMPANIES ABROAD.
Working for companies abroad? Get local USD, EUR, MXN, and BRL account details so clients and employers can pay you like a local. Get paid from Deel, Upwork, and more directly into your Morse account. They send a normal bank transfer, you receive international payments in Morse and use it however you want in a few taps. 

SEND MONEY TO FAMILY AND FRIENDS IN 150+ COUNTRIES.
Send for free, in seconds, to anyone on Morse. Send to Mexico, Brazil, and 150+ countries. Support your loved ones from wherever you are. 

TRUSTED. REGULATED. SECURE.
Morse is a regulated, secure money app trusted by hundreds of thousands of people and built with bank-grade security from day one. Morse is self-custodial, which means only you can access your wallet. ISO 27001 certified, and protected with strong customer authentication, 24/7 fraud monitoring, Verified by Visa and Mastercard SecureCode. Need help? A real person is always available.

Ratings and reviews

I loved it honestly, it was a life saver. next thing I know they wanted some pretty extensive personal info to verify my identity. I completed even though I was a little uncomfortable doing so especially when I was already using them with no issues. afterwards, I was able to use them for a bit again then they decided to close my account with no real reason as to why. makes no sense-in response to what they had to say- which transactions were of risk when the only transactions I made were to me🤔

I had issues creating my account waiting for more than 72 hours. Anyway it's a great app. Some of my close friends who are patient enough have made Seamless transactions at a reduced rate. I rate it at 2 because after submitting my details and successfully passing my kyc, I couldn't access more features and get to have an amazing experience. Hope the technical team will take keen interest into this matter asap to avoid losing potential clients

The app was very good and reliable at first until they started to delay in the money transfers and withdrawals and one of my biggest complaints is that they closed my account for no reason at all I followed all the terms and conditions but they still closed my account and sometimes when verifying new users they allows say they can't verify the account because it doesn't meettye terms of service 🤦🏽🤦🏽 it's now becoming pathetic

What’s new

Welcome to Morse! We hope you’ll try our product, and we’re looking forward to your feedback so we can make it better!