Financial inclusion for everyone

Simple, Transparent, and Instant Digital Cash Transfer

Seamless and Simple

Sending money with Sempo is easy and fast. Simply sign up, top up your wallet and send to any phone number!

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Download on Android
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Sempo is registered with AUSTRAC.
DCE: 100617044-001


Instant FX Transfers.
Spend at partnered stores in minutes.


Sign up in seconds.
Used by thousands in 7 countries.

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It's as easy as texting

Once verified, you can easily top up your wallet, send to friends and family, save and spend in stores — all from the app.

Access means opportunity

“My experience is that Sempo is easy and fast. It’s good because I don’t have to walk a long distance to go shopping.”

— Enoka

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More than just a mission

Billions of people still lack access to financial services, excluding them from today’s global economy. Sempo is on a mission to build accessible financial tools for everyone. We are built for refugees who are excluded from bank accounts. For small businesses in remote communities. For open and inclusive money.

About Us