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Build your credit
with Afriex

Introducing Afriex Credit Builder powered by Upward. Turn your everyday transfers into credit-building opportunities.

Start building credit

Why use Afriex credit builder?

Automatic Credit Building

Every transfer you make automatically contributes to building your credit history.

Monthly Reporting

Your payment activity is reported monthly to all two major credit bureaus.

Track Your Progress

Monitor your credit score improvements directly in the Afriex app.

Start building credit

How it works

Apply & get approved

Complete a simple application with just basic information. Only a soft credit inquiry with no impact on your score.

Make your transfers

Continue using Afriex for your money transfers as usual. Each payment automatically builds your credit.

Watch your credit grow

See your new credit line appear within a month and track your score improvements in the app.

Build a new credit line that counts

Get the most Birr for your money with our competitive exchange rates.

A new line posts to your report within 30 days of approval. That means you start building history right away.

See credit score changes in weeks

Get the most Birr for your money with our competitive exchange rates.

Your credit report updates within 15–45 days of your next transfer. The sooner you move, the sooner your score reflects it.

Credit checks with zero score damage

Get the most Birr for your money with our competitive exchange rates.

Only a soft check so your credit stays untouched. You get the benefit of access without the penalty of a hard inquiry.

Know your credit inside out

Get the most Birr for your money with our competitive exchange rates.

Track your score and get tailored financial guides, right in the Afriex app. So you always know where you stand and how to improve.

Start Building Credit

More things you can do with Afriex

Enjoy our full-stack financial services with everything you need to manage money globally.

Get the Afriex app

Get paid globally

Receive payments like a local from clients or employers abroad.

Get paid with Afriex

Pay anywhere, instantly

Shop online, pay for subscriptions, or make purchases straight from your Afriex balance.

Get an Afriex card

Earn everytime

Get rewarded for every transfer. Earn points, and cash in on referrals,

Start earning rewards

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Legal Disclaimer: Banking services provided by Cross River Bank, Member FDIC. Upwardli is not a bank. Credit building is subject to approval and terms.

Trusted Everywhere

4.8 ★ on App Store

4.8 ★ on Google Play

Afriex is how the world moves money now

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© Afriex Inc. 2025

Afriex is a product of Afriex Inc. and its affiliates, collectively referred to as Afriex. Afriex is a corporation registered in Delaware, USA. Afriex is a technology company, not a bank. 

Afriex is registered with the Financial Crimes Enforcement Network (FinCEN) as a Money Service Business (MSB) dealing in foreign exchange and money transmission, with MSB registration number 31000270188891. Afriex is a registered MSB with FINTRAC in Canada. Afriex is licensed by the Central Bank of Nigeria (CBN) as an International Money Transfer Operator. 

United States wallet funding transactions are provided by Stripe Payments Company (Stripe), a licensed money transmitter (NMLS ID 1280479). Stripe is also a registered MSB with FinCEN and a registered Foreign MSB with FINTRAC. For certain other cross border and local payment services, Afriex partners with one or more payment partners and/or licensed banks, including: Bridge Building Inc a licensed money transmitter (NMLS # 2450917), Conduit Financial via Leed Bank, and Silicon Valley bank.