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Yellow Card review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Yellow Card is built for cross-border business payments, with corridors across from 50 currencies and instant delivery to mobile money and to Nigerian bank transfers. It suits firms paying suppliers in African markets, though the transfer fee stays a percentage that shifts with the country and the payment method.

Key facts

Best for
Business payments that land in an African bank account or mobile wallet.
Transfer fee
0.25%-4.5% per transaction depending on country and payment method (B2B Payments API)↗
Delivery time
Instant for mobile money, instant for Nigerian bank transfers↗
Payout methods
Bank, Wallet↗
Currencies
from 50↗
Legal entity
Yellow Card Financial Inc.↗
Headquarters
United States↗
Founded
2016↗
Support channels
Help-centre, Email↗
Official website
yellowcard.io

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Instant delivery to mobile money and to Nigerian bank transfers, with no wait stated.
  • Corridors run across from 50 currencies, above the category median of 5.
  • Registered with FinCEN in the US (31000308810167) and the Bank of Ghana (CS056612020).

Cons

  • Support runs on help centre and email only, with no phone or live chat listed.
  • The transfer fee is a percentage that shifts with the country and payment method.
  • Instant delivery is stated for mobile money and Nigerian bank transfers, so speed elsewhere follows the corridor.
Yellow Card

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Scored 8.7 / 10 by VaultCue.

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Who it suits

  • Businesses settling supplier invoices that need money in a bank account or wallet.
  • Anyone sending to family on a mobile wallet, where delivery is instant.
  • Finance teams that want licences on file in South Africa (53790).

Who should look elsewhere

  • Skrill, where bank transfer payments are free, if a wallet balance funds your sends.
  • Paysera, free for SEPA and Paysera users, if you send only euros in Europe.
  • PayPal Colombia, where card payments add a percentage and a fixed fee, if you want a global balance.

Deposit protection

Yellow Card sits on several regulator registers, including the Financial Crimes Enforcement Network in the US (31000308810167) and the Bank of Ghana, which lists it as a virtual asset service provider (CS056612020). The Nigerian entry is conditional and in principle, so read it as provisional rather than settled.

The company behind it

The operator is Yellow Card Financial Inc., a company headquartered in the US and founded in 2016, with registrations that stretch well past its home market. Support runs on help centre and email rather than a phone line, and licensing reaches the US (31000308810167) and South Africa, so oversight sits with several regulators.

How Yellow Card compares

Where Yellow Card is available

Licence in United States
Financial Crimes Enforcement Network (FinCEN), US Department of the Treasury (31000308810167), checked September 26, 2026
Licence in Canada
Bank of Canada (Retail Payment Activities Act) and FINTRAC (1001176840), checked September 26, 2026
Licence in Switzerland
SO-FIT (self-regulatory organisation licensed by FINMA) (1571), checked September 26, 2026
Licence in Poland
Polish Ministry of Finance, Register of Business Within Virtual Currencies (RDWW-1069), checked September 26, 2026
Licence in Botswana
Non-Bank Financial Institutions Regulatory Authority (NBFIRA) (11/1/5(1)), checked September 26, 2026
Licence in Ghana
Bank of Ghana (virtual asset service provider) (CS056612020), checked September 26, 2026
Licence in Nigeria
Securities and Exchange Commission (Accelerated Regulatory Incubation Program, conditional approval in principle) (RC 1502209), checked September 26, 2026
Licence in South Africa
Financial Sector Conduct Authority (FSCA), Category I financial services provider (53790), checked September 26, 2026
Licence in Zambia
Bank of Zambia (virtual asset service provider, Circular 05/2026) (120190009741), checked September 26, 2026

Frequently asked questions

What does Yellow Card charge to send money?+

The transfer fee is a percentage of each transaction, and the figure moves with the country and the payment method used on the business payments API. There is no single flat rate, so costs need checking per corridor. The median foreign exchange fee across listed services is 0.5%.

How fast does a payout arrive?+

Delivery is instant for mobile money and instant for Nigerian bank transfers, which suits payments that cannot wait. Elsewhere timing follows the corridor and the rails used, so a bank payout can take longer. Payouts are made to bank and wallet.

Who regulates Yellow Card?+

Registrations include FinCEN in the US (31000308810167) and the Bank of Ghana, which lists the service as a virtual asset service provider (CS056612020). The Nigerian entry is conditional and in principle, so it is not a full local approval.

Which company runs the service?+

The service is run by Yellow Card Financial Inc., headquartered in the US and founded in 2016. Registration reach is wide, stretching from FinCEN in the United States to the Financial Sector Conduct Authority in South Africa, so the group is supervised in several markets.

How do I contact support?+

Support runs on help centre and email, and phone and live chat are not listed among them, so replies come in writing. A help centre is the norm across the services compared here at 86.1%, so plan on written answers rather than a call.

How many currencies can I send?+

Corridors run across from 50 currencies, well above the median of 5 for listed money transfer services. That breadth suits firms settling invoices in several markets through one provider, rather than opening a separate arrangement and fee table for each country.

Can payouts go to a bank account or a wallet?+

Payouts are made to bank and wallet, so a bank account and a mobile wallet both sit on the list. Cash pickup and card payouts sit outside the listed payout methods, which narrows the choice for a recipient who holds neither.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Exchange rate markup, Licence type.

Yellow Card

Yellow Card

Business payments that land in an African bank account or mobile wallet.

8.7/10See alternatives