Mandla Money

About

Mandla Money

Financial infrastructure designed for how money actually moves. Regulated, Licensed, and Built for the Lastmile.

No apps. No bank account. No barriers.

Mandla Money makes it possible to send and receive money using just a phone number. We work through WhatsApp, SMS, and USSD so anyone can access financial services - whether they have a smartphone or not.

For millions of people, accessing money is still harder than it should be.

Apps require data.

Banks require complex documentation and physical branches.

Mobile money is fragmented.

Sending money across borders is slow and expensive.

In sub-Saharan Africa alone, over 400 million people have a mobile phone but no bank account.

What we do differently

Mandla Money removes the need for:

  • App downloads
  • Complex onboarding
  • Traditional banking infrastructure

By turning phone numbers into wallets, we make it possible to send, receive, and store money as easily as sending a message.

Users can hold value in stable digital currencies, helping protect their purchasing power while moving money instantly across borders.

Whether you're on WhatsApp in a city or using USSD in a rural area, the experience stays simple and consistent.

How it works

Step 01

Say Hi

Start a conversation on WhatsApp or dial our USSD code.

Step 02

Enter details

Add a phone number and the amount.

Step 03

Done instantly

The money is delivered immediately with confirmation.

What we believe

  • Every phone number should be a wallet
  • Financial access should not depend on infrastructure
  • Sending money should be as simple as sending a message

Mandla Money is building invisible fintech - where the technology disappears and only the experience remains.

Trust & credibility

Regulated

FSP55523
FIC Compliant

Global

Global reach, local trust-built for everyone, everywhere.

Inclusive

No app downloads. No bank account. Any phone.

Mandla Money (Pty) Ltd (2019/470624/07) is an authorised Financial Services Provider (FSP 55523). We operate across multiple countries and are built with compliance, security, and accessibility at our core.