Djamo
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Send money to anyone

To a Djamo account, Mobile Money, or bank account across the UEMOA zone. Instant, secure, no paperwork.

+1,000,000 people trust Djamo

Instant
Money lands in seconds
UEMOA
8 countries, every bank
24/7
Available day and night
100%
Secure, BCEAO-regulated
Three ways to send

One account. Every destination.

Whether the person you're paying uses Djamo, Mobile Money, or a bank account, the money lands in seconds.

To a Djamo account - free and instant

Send money to friends and family in a flash. Transfers between Djamo users are free, unlimited, and land in seconds.

100% free, no cap
Received instantly
Available 24/7
To a Djamo account - free and instant

To Mobile Money

Orange Money, MTN, Wave, Moov. Send to any mobile wallet, without switching apps.

To Mobile Money

To a bank account

Enter your recipient's IBAN and send to any account in the 8 UEMOA countries. As simple as a Mobile Money transfer.

To a bank account

Send and receive, anytime

No more waiting for the branch to open or juggling several apps. Your transfers go and arrive whenever you need, weekends and holidays included.

Send and receive 24/7
Confirm with biometrics or a PIN
Clear history for every transaction
Send and receive, anytime
PI-SPI BCEAO
Interoperability

Works across the entire UEMOA zone

Djamo is connected to PI-SPI, the BCEAO's interbank payment system. Send and receive money in real time to every bank account and Mobile Money in the 8 UEMOA countries.

Send in 3 steps

Faster than a text.

Choose your destination

Djamo account, Mobile Money, or bank account. Pick the channel that fits your recipient.

Enter the number or IBAN

Phone number for Mobile Money and Djamo, IBAN for bank accounts. The recipient's name appears for confirmation.

Confirm and send

Check the amount and confirm with your PIN or fingerprint. Your recipient gets the money in seconds.

They send with Djamo

Simple transfers, from their phone, to anyone they choose

Sending to my mom is second nature now

I used to go to a branch or wait in line at a payout point to send money to my mom back home. Now it's done in 10 seconds, and she gets it straight to her Wave.

Mariam B.
Mariam B.

My clients pay me by transfer

I'm a freelancer and I work with companies that only pay by bank transfer. With Djamo, I share my IBAN, they transfer, I receive. Free, instant.

Yannick K.
Yannick K.

No more juggling 3 apps

Orange Money, MTN, Wave, my bank… I was over it. On Djamo, I can send to any account without switching apps. It simplifies everything.

Stéphane G.
Stéphane G.

Frequently asked questions

What services can I send money to?
From your Djamo account, you can send money to any Mobile Money account (Orange Money, MTN Money, Wave, Moov Money), any bank account in the UEMOA zone, and instantly to other Djamo users.
Are Djamo-to-Djamo transfers really free?
Yes, 100%. Sending money to another Djamo user is instant, unlimited, and entirely free. No fees, no monthly cap, no hidden conditions.
How much does it cost to transfer to Mobile Money or a bank?
Transfers to Mobile Money and UEMOA bank accounts come with low fees - often free depending on your plan. Check our pricing for details by destination and amount.
How long does my transfer take?
All transfers from Djamo are instant. Whether to a Mobile Money account, a UEMOA bank account, or another Djamo user, your recipient gets the money in seconds, 24/7.
Can I send money anywhere in the UEMOA zone?
Yes. Thanks to the BCEAO's PI-SPI system, you can send money to any bank account or Mobile Money in the 8 UEMOA countries (Benin, Burkina Faso, Côte d'Ivoire, Guinea-Bissau, Mali, Niger, Senegal, Togo).
Are my transfers secure?
Absolutely. Every transfer is protected by biometric authentication and a PIN. Djamo is regulated by the BCEAO and meets the highest banking standards for security and privacy.
What if I send to the wrong person?
Before every transfer, Djamo shows you a clear summary with the recipient's name, the amount, and the destination. A confirmation is required before it goes through. If you made a mistake after sending, contact our support from the app to open a dispute.

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