Overview

Below you’ll find the most used mobile wallets in Angola and leading banking apps, plus quick tips on fees, KYC and safety.

Mobile Wallets & Digital Payment Apps

Great for day-to-day payments, airtime/data top-ups, bill pay and P2P transfers. Cash-in/out via agents or partner stores.

Soba e-Money
  • What it does: pay merchants, transfer money, pay bills, airtime/data top-ups.
  • Why use it: fast, practical and increasingly accepted across Luanda.
  • Good to know: basic registration (KYC) and an active phone number required.
Unitel Money
  • What it does: send/receive money, bill pay, airtime/data, pay at participating shops.
  • Why use it: wide agent/merchant network; ideal if you’re already a Unitel customer.
  • Good to know: cash-in/out at agents; limits vary by KYC tier.

Banking Apps

Best if you already bank in Angola: account management, transfers, payments and top-ups directly from your bank.

BAI Mobile (Banco Angolano de Investimentos)
  • Core: balances, movements, transfers, payments, top-ups.
  • Why use it: fast interface and national coverage.
  • Note: device authorisation may be required for security.
BFA App (Banco de Fomento Angola)
  • Core: account overview & management, transfers, service payments.
  • Why use it: stable app with solid customer support.
  • Note: check daily limits for transfers & payments.

Quick Tips: Fees, KYC, Safety & Practicalities

  • KYC/Registration: bring passport/ID to activate wallets and banking apps.
  • Cash-in/out: use official agents or partner ATMs; avoid informal exchanges.
  • Fees & limits: vary by app and KYC level — check before high-value transfers.
  • Foreign cards: acceptance can be inconsistent; keep some cash handy.
  • Security: enable PIN/biometrics, never share codes, confirm recipient before sending.
  • Receipts: keep confirmations/screenshots for payments and top-ups.
  • Offline: some POS have limited connectivity — agree on an alternative (cash/app).
Information for general guidance only. Product features, limits and fees change — confirm details in the official app/store or with your provider.