Your phone number is your wallet.

Send, receive, and store money instantly via WhatsApp, SMS or USSD.
No bank account. No smartphone required. No friction.

Bulk Payouts & Disbursements

Instant settlementWorks on any phoneNear-zero fees

How it works

Your phone number is your wallet.

Send money instantly. Any phone. Any network.

Step 01

Message Mandla

Send "Hi" on WhatsApp or dial USSD

No app needed. No downloads.

Step 02

Your number becomes your wallet

Get set up in seconds using just your phone number

No forms. No complexity.

Step 03

Send and receive instantly

Move money locally or across borders in seconds

Fast, simple, available 24/7.

Why Mandla Money

Financial infrastructure designed for how money actually moves

Built for people, not banks

No app downloads. No data required. Works on any phone.

Built for scale

Instant settlement and near-zero fees.

Borderless by default

Send money across countries as easily as a message.

Personal

For individuals

Send money home. Pay bills. Get paid.

Peer-to-peer transfers
Cross-border remittances
Airtime & electricity
Receive wages

Business

For organisations

Disburse funds at scale.

Bulk payouts
NGO disbursements
Payroll
API integrations

Explore Business Solutions

Trust & compliance

Regulated, licensed, and built to last

Operating within a fully authorised framework across the markets we serve.

Authorised FSP

FSP 55523

FSCA supervised Financial Services Provider.

Regulatory

FIC compliant

KYC, AML and reporting built into every transaction.

Frequently Asked Questions

You use Mandla Money through WhatsApp, SMS, or USSD. This means you can:

Send money like a message
Receive funds instantly to your phone number
Use financial services without downloading an app

Your phone number becomes your wallet.

Simply send a message saying "Hi" on WhatsApp to:

+27 60 041 0476

Follow the prompts to create your wallet in minutes.

Yes. Mandla Money is a fully licensed financial services provider (FSP 55523) and follows strict regulatory and security standards.

Funds are held in secure systems, and stablecoins are backed by underlying reserves, ensuring transparency and reliability.

Receiving money is free
Sending money costs a small fee (typically just a few cents, depending on the transaction)

There are no hidden charges or high remittance fees.

You can cash out your money in multiple ways:

Bank transfer (EFT): Send money directly to your bank account
Cash voucher: Withdraw cash through supported partners

This gives you flexibility to move between digital and physical money easily.

View all FAQs

Recognition

Schmidt Futures

Reimagine Award

Innovation in financial systems

Ripple / XRPL

Hackathon Winner

Creating Real World Impact Hackathon

Tenity

Accelerator Participant

$50,000 grant

Algorand

Ecosystem Grant

Grant recipient

In the News

Highlights from Mandla Money

October 08, 2025

Reimagining mobile money via stablecoins and WhatsApp

After a successful trip to Singapore this year, University of Cape Town (UCT) student Julian Kanjere is excited about the potential of stablecoins to advance financial inclusion.

December 15, 2022

Mandla Money at Apex Developer Conference in Las Vegas

At Apex Developer Summit, Mandla Money showcased transacting in low-tech environments using SMS wallets.

December 14, 2022

Mandla Money wins XRPL Creating Real World Impact Hackathon

Mandla Money won Best Social Justice Use Case in Ripple's XRPL hackathon for its SMS wallet.

December 14, 2020

Ripple Impact Award for Mandla Money in London

Mandla Money received a UBRI Impact Award in London for advancing financial inclusion with XRPL.

January 2022

Mandla Money awarded XRPL Grant to Advance Financial Inclusion

Mandla Money received an XRPL grant to expand and harden its SMS wallet for emerging markets.

Start using Mandla Money today

Join thousands of people sending money instantly.

No app. No bank account. Works on any phone.