How to choose the country to launch your money app in
By SendPay Business · · 2 min read
Most successful money apps started in one place before going anywhere else. Picking that first place well makes every other step easier.
Start where you have people
The easiest first market is one where you already know customers: your home town, your community abroad or the country your family lives in.
Ask a few simple questions
For each country you're thinking about, ask:
- Do I know people there who need this?
- What do they use today, and what annoys them about it?
- Can I reach them easily, online or in person?
- Do I understand the language and how people pay?
Think in corridors for transfers
If your app sends money home, the market is two places at once, such as the UK and Ghana. Pick one corridor and do it really well first.
Check what is allowed
Rules differ by country. Some app types, like transfers or cards, need local licences, which your licensed partners help with before you go live.
Start with one, then grow
Once customers in your first country love the app, you'll know what to copy and what to change for the next one.
Build it
Create your own financial platform.
Pick a template, name it, brand it, preview every page before you pay. Your brand, your users, your fees.
Build my platform →Questions people ask
Who are the big names in each country?
The country guides name the biggest banks and money providers you would compete with.
Start your own bank, by country →Which kind of app should I launch?
Answer three questions and pick your country to get a suggestion.
Which money app should I launch? →Can I call it a bank?
In most countries "bank" is a protected word you can only use with a banking licence. Call it an account, a wallet, an app or a platform. The accounts and payments behind a SendPay Business platform are powered by licensed partners.
Is there a step-by-step plan I can follow?
Yes. The free launch checklist takes you from picking your people and naming your app to setting fees, going live and winning your first ten customers.
Digital bank app launch checklist →How do I start?
Pick a template, name it and preview every page before you pay. Your platform can be live on your own domain within 24 hours of confirmation.
Build my platform →Read next
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. PayPal, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business.