Djamo
4,7
Download

Your IBAN, free

IBAN included, zero fees, get paid earlier. Open in 5 minutes, from your phone.

+1,000,000people trust Djamo

0 F
In fees, no strings attached
IBAN
Included, from day one
5 min
To open your account
100%
Mobile, no branch visits
Your salary

Your salary, earlier on Djamo.

We're plugged straight into the banking system. The result: your salary arrives faster than at a traditional bank.

Traditional bank
2–3 business days

Your salary lands 2 to 3 business days after your employer's transfer.

Day 0Day 3
DjamoFaster
24h

Your salary is available the day after the transfer.

Day 0Day 1 ✓

Everything that's included

A complete account, no extras.

Your Djamo Visa card

Pay online and in stores anywhere in the world with your prepaid Visa card. Top it up from your account.

Your Djamo Visa card

An IBAN, from day one

Receive your salary, a refund, or a client payment. Your IBAN is generated for free in 2 minutes and works with every UEMOA bank.

Get paid by bank transfer
Works with every UEMOA bank
Available instantly in the app
An IBAN, from day one

Instant transfers

Send money to any bank or Mobile Money in the UEMOA zone. Between Djamo users, it's free and instant.

To banks and Mobile Money, instantly
Between Djamo users, it's free
Free withdrawals across UEMOA

Budget & control

Track your spending in real time and tag every transaction. You stay in charge of your money.

Budget & control
PI-SPI BCEAO
Interoperability

Connected to PI-SPI, the BCEAO network

Your Djamo account is plugged into the BCEAO PI-SPI system. In plain terms: send and receive money to and from any bank or Mobile Money in the UEMOA zone.

Zero fees. Not a promo.
Just how we work.

Account opening
Bank: 5,000 – 20,000 F
Djamo: Free
Account maintenance (per month)
Bank: 1,000 – 5,000 F
Djamo: Free
ATM withdrawal
Bank: 250 – 500 F
Djamo: Free
Incoming transfer (IBAN)
Bank: 500 – 2,000 F
Djamo: Free
Card issuance
Bank: 2,000 – 5,000 F
Djamo: Free
Account opening

Open in 5 minutes. Really.

Download the Djamo app

Available on iOS and Android. Sign-up takes under 5 minutes, from home.

Fill in your info

A photo ID is all you need. No branch visit, no proof of address.

Your IBAN is ready

You get your IBAN right away. Share it with your employer to get paid into Djamo.

They chose Djamo for their IBAN

What they say, unfiltered.

My salary lands faster than expected

Since I set up direct deposit on Djamo, I get paid before everyone else at the office. Zero fees, zero stress. I even closed my old bank account.

Kouadio S.
Kouadio S.

The IBAN changed everything

As a freelancer, getting paid by clients used to be a headache. With the Djamo IBAN, it's instant and free. For my clients, it's just like any other IBAN.

Fatou D.
Fatou D.

Finally, an account with no surprises

I was sick of maintenance fees, withdrawal fees, fees on everything. On Djamo, it really is zero fees. And the app is crystal clear - I see everything in real time.

Yves M.
Yves M.

Frequently asked questions

What is the Djamo IBAN?
It's a full account with an IBAN included. You receive your salary, make bank or Mobile Money transfers, pay your bills, and manage your budget - all from your phone, no fees.
Is the Djamo IBAN really free?
Yes. No opening fees, no maintenance, no withdrawal fees. This isn't a promo - it's how we work. Djamo earns money differently - not at our users' expense.
How do I get paid on Djamo?
Just share your Djamo IBAN with your employer or HR team. You'll find it in the app as soon as your account is opened.
Can I make transfers from my Djamo IBAN?
Yes. To every UEMOA bank and to Mobile Money. It's instant.
Is my account compatible with the BCEAO PI system?
Yes. Your Djamo account is connected to the BCEAO Interoperable Payment (PI) system. You can send and receive money to and from any bank or Mobile Money in the UEMOA zone.
How do I get my IBAN?
Your IBAN is generated automatically and for free as soon as your account is opened. You'll find it in the Djamo app, in the "Accounts" section, ready to copy and share.

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