Over 8,000 people search “LemFi” every month, mostly current or soon-to-be users checking rates or looking for support. What LemFi’s own documentation doesn’t advertise as loudly: it’s built for moving money between currencies, not for holding crypto, buying a virtual card, or converting a gift card. If your money needs to do more than travel from one currency to another, that gap is worth knowing about before you pick one app and stop looking.
What LemFi actually does
LemFi is built around international money transfers to Africa and parts of Asia, multi-currency wallets for holding and converting funds, a GBP or USD account for receiving payments, a “send now, pay later” credit feature, and an interest-earning savings wallet for eligible UK users. It’s a genuinely solid, focused product for exactly that job.
What it doesn’t offer, based on its own published service list: buying or selling crypto, a virtual dollar card for online spending, or gift card buying and selling. If any of those are part of how you manage money day to day, LemFi is one piece of a bigger toolkit, not the whole thing.
Novacrust vs LemFi, feature by feature
| Feature | LemFi | Novacrust |
|---|---|---|
| Send money to 50+ countries | Yes, strong African and Asian corridor coverage | Yes |
| USD Account with account and routing number | Yes, GBP or USD account | Yes, no SSN or US address required |
| Buy and sell crypto (USDT, USDC, BTC, ETH, SOL, and more) | Not offered | Yes |
| Virtual USD card | Not offered | Yes |
| Buy or sell gift cards | Not offered | Yes |
| Send now, pay later credit | Yes | Not offered |
The pattern is clear: LemFi covers the transfer and account side well, and adds a credit feature Novacrust doesn’t have. Novacrust covers that same ground and adds crypto, a virtual card, and gift cards in the same account, so you’re not opening a second or third app for everything else.
When LemFi is the right call
If all you need is a straightforward way to send money home on a regular corridor, and you like the option to send now and repay later, LemFi does that job well and shouldn’t be dismissed just because it does less. Not everyone needs crypto or a virtual card, and there’s no reason to pay for complexity you won’t use.
When Novacrust is the better fit
If you’re a freelancer paid in dollars who also wants to hold some of it in crypto, spend it internationally on a virtual card, or convert an unused gift card into cash, running that through one account beats stitching together LemFi plus a separate crypto exchange plus a separate card provider. Our guide to choosing the best way to send money internationally covers how to compare the rate itself, whichever app you land on. If crypto is part of your plan, buying USDT safely is worth reading before your first purchase, and if you’ve got a Steam, Amazon, or Apple gift card sitting unused, converting it for crypto instead of letting it sit is covered in our gift card to crypto guide.
FAQ
Does LemFi offer crypto?
No. Based on LemFi’s own published service list, its features are international transfers, multi-currency wallets, a GBP or USD account, a send-now-pay-later credit option, and a savings wallet for eligible UK users. Crypto isn’t part of that list.
Does LemFi offer a virtual card?
Not based on its published services. Novacrust includes a virtual USD card in the same account as transfers, crypto, and gift cards.
Can I buy or sell gift cards on LemFi?
Not based on its published services. This is a Novacrust feature that lets you buy Amazon, Apple, Steam, and Google Play cards, or convert one you already have into cash or crypto.
Which app has better exchange rates, LemFi or Novacrust?
Rates shift by corridor and change often on both platforms, so the only reliable way to know is to check both apps’ live rate for your specific transfer before you send.
Can I use both LemFi and Novacrust?
Yes. Plenty of people run a remittance-focused app alongside a broader account for crypto, cards, and gift cards. There’s no rule against using more than one, and comparing live rates across apps before a large transfer is generally good practice regardless of which you use.
The bottom line
LemFi does one job well: moving money across a transfer corridor. Novacrust does that same job and adds crypto, a virtual card, and gift cards to the same account, so your money doesn’t need three different homes.
Sign up to get started on Novacrust here.