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What is Mobile Money Interoperability (MMI)?

MMI is the service which allows direct and seamless transfer of funds from one mobile money wallet to another mobile money wallet across networks

Why is it important to have MMI?

Prior to the introduction of MMI, mobile money operators largely operated as closed platforms. Users of one network could not directly transfer money to users of other networks. This required mobile money users to join multiple mobile networks to enable them send money directly to other users of those networks.

MMI will therefore enable mobile money users of one network to directly and seamlessly send money to other mobile money users on other networks.

What are the benefits of MMI service?
  • Create convenience for mobile money users
  • Drives financial inclusion
  • Lower cost of transaction
  • Increase service reach
  • Reduces reliance on cash
  • 24/7 Access to funds in wallets and bank accounts
  • Ease of moving funds between wallets and bank accounts
  • Ease of receiving and making payments for goods and services
How can I use the service?

Simply dial your existing mobile money short code to access the service. Your mobile network will provide the menus to use the MMI service.

Who qualifies for this service?

The service is available to ALL existing and future mobile money subscribers.

Do I need an additional PIN to use this service?

No, a subscriber will use their existing mobile money PIN to authorize all transactions to other networks.

How much money can I transfer?

As a subscriber, you can transfer as per daily limit allowed by your mobile money network operator.

Who do I contact for more information?

Contact the call centre of your mobile money service provider for support.

What do I do if something goes wrong with a transaction?

Contact the call centre of your mobile money service provider for assistance.

What are the additional services to be derived from this MMI?

a. Transfer of money from a mobile money wallet to a bank account (Wallet to Account - W2A).
    This means mobile money users can transfer funds directly from their wallets to any bank account.

    
b. Transfer money from a bank account to a mobile money wallet (Account to Wallet - A2W).
    This means mobile money users can debit or pull funds from their bank accounts and credit their wallets
    To subscribe for this service, mobile money users must visit their bank branch to link their mobile money wallet/phone number to their bank account.


c. Transfer of money from a mobile money wallet to an e-zwich card (Wallet to e-zwich - W2E).
    This means mobile money users can transfer funds directly from their wallets to any e-zwich card.

    
d. Transfer money from an e-zwich card to a mobile money wallet (e-zwich to Wallet - E2W).
    This means mobile money users can transfer funds directly from an e-zwich card to a mobile money wallet.

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