Payments · Review
ActiveLynk Review 2026: Jamaica’s Digital Wallet
Lynk is a Jamaica-focused digital wallet for remittances, bill payments, mobile top-ups and merchant purchases. Its beta is limited to NCB bank account holders, and key details such as fees and fund protections are not published.
By the DappsAtlas editorial team · Updated
DappsAtlas score
5.5/10
Mixed
Our verdict on Lynk
5.5/10Lynk may suit people in Jamaica who want one app for remittances, bill payments, mobile top-ups and purchases at participating businesses. Its range of everyday payment functions is the main draw. The main limitation is access: the beta is currently restricted to NCB bank account holders. Fees, regulatory status and details about how customer funds are held or protected are not published, so check the app’s terms and transaction charges before relying on it.
Score breakdown
How Lynk scores
- Security
- n/a
- Ease of use
- 5.0/10
- Fees
- n/a
- Features
- 6.0/10
Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.
What is Lynk?
Lynk is a Jamaica-focused digital wallet for consumer payments and transfers. Its listed services include receiving Western Union and MoneyGram remittances, paying more than 300 billers, topping up FLOW and Digicel, and paying participating merchants.
How Lynk works
Lynk is a digital wallet built around everyday payments. A user sets up an account in the app, then uses the available wallet functions to receive transfers, pay participating billers and merchants, or top up FLOW and Digicel mobile services. The beta is currently restricted to NCB bank account holders, while Lynk says additional ways to add cash are planned.
6 features
Key features
01
Remittance collection
Lynk lists Western Union and MoneyGram as services for receiving money from abroad directly into the wallet.
02
Bill payments
The wallet supports payments to more than 300 billers, including utilities, insurance and loan providers.
03
Mobile top-ups
Users can buy mobile credit and data plans for FLOW and Digicel.
04
Merchant payments
Lynk can be used to pay participating businesses in person and online, including through scan-to-pay.
05
Wallet transfers
The service lists transfers and cash deposits or withdrawals among its wallet functions. Beta access is currently limited to NCB bank account holders.
06
Account authentication
Lynk says it uses facial recognition and a six-digit PIN to authenticate and protect accounts.
Pros and cons
What we like
- Combines bill payments, mobile top-ups and merchant payments in one wallet.
- Lists Western Union and MoneyGram as remittance collection options.
- Supports bill payments across a broad range of billers, including utilities and insurance.
- Describes facial recognition and PIN authentication for account access.
Watch out for
- Beta access is currently limited to people with NCB bank accounts.
- Fees for transfers, bill payments, top-ups and other services are not published.
- Lynk does not publish details of its regulatory status, audits or custody arrangements.
- The advertised security features do not explain how customer funds are protected if the service or a payment partner fails.
Lynk fees
Lynk does not publish fees for wallet transfers, remittance collection, bill payments, mobile top-ups or merchant payments in the information presented here. Review the charges shown in the app or Lynk’s terms before confirming a transaction.
Is Lynk safe?
Lynk says it uses facial recognition and a six-digit PIN for authentication, but those statements do not establish how customer balances are held or protected. Lynk does not publish audit details or explain its custody arrangements, so smart-contract or third-party counterparty assessments are not applicable or cannot be determined from its published product description.
Lynk’s regulatory status and full identity-verification requirements are not published. Read its terms and privacy policy and check the protections that apply in your location before keeping money in the wallet.
6 steps
How to get started with Lynk
- 1
Check whether you meet Lynk’s current beta access requirement: an NCB bank account.
- 2
Download the beta app through Lynk’s official site.
- 3
Follow the app’s account setup and identity verification steps; Lynk’s full verification requirements are not published.
- 4
Set up the authentication options offered in the app, including its six-digit PIN and facial recognition if requested.
- 5
Review the terms and any displayed charges before linking an account or making a payment.
- 6
Choose a supported service, such as receiving a remittance, paying a bill, topping up mobile credit or paying a participating merchant.
Who Lynk is for
Lynk is aimed at consumers in Jamaica who want to receive money from abroad, pay household bills, top up FLOW or Digicel, or make purchases at businesses that accept Lynk. It is currently relevant mainly to people with an NCB bank account who can access the beta.
Lynk FAQs
What is Lynk?
Lynk is a digital wallet for payments and money transfers, not a cryptocurrency exchange. Its listed services include receiving international remittances, paying bills, topping up mobile credit and paying participating merchants.
Who can use Lynk?
The beta is currently limited to people with NCB bank accounts. Lynk says other ways to add cash are coming, but does not specify when they will be available.
Can I receive Western Union or MoneyGram transfers with Lynk?
Lynk lists Western Union and MoneyGram transfers as ways to receive money from abroad. Its site does not explain all supported countries, currencies or the fees that may apply, so check the app’s terms before arranging a transfer.
What fees does Lynk charge?
Lynk does not publish its fees on the information presented here. Check the app or its terms before confirming a payment, transfer or top-up.
Is Lynk safe to use?
Lynk describes facial recognition and a six-digit PIN as account security features. It does not publish an audit or explain its custody and fund-protection arrangements, so those details remain unclear.
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How we checked
Sources
No public sources were recorded for this review.
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