> For the complete documentation index, see [llms.txt](https://docs.spendl.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.spendl.money/spendl-features/overview/remittances.md).

# Remittances

Remittances allow users to send money across borders using Spendl's secure infrastructure and compliant financial rails.

Spendl makes cross border payments simple, fast, and transparent by allowing users to send funds to mobile wallets, bank accounts, or cash pickup locations across supported African countries from one platform.

Spendl Remittances are designed to reduce the complexity, delay, and cost traditionally associated with international transfers.

Instead of relying on separate third party services, users can move value across borders directly through Spendl, while recipients receive funds through trusted local payout methods in their country.

## What Remittances Enable

Spendl supports remittances across supported African countries.

## Supported Countries

Spendl connects you to millions of wallets, bank accounts, and cash pickup points across Africa. With a single integration, you can send funds seamlessly across the countries below.

| #  | Country                  | Mobile Money                                      | Bank                           | Cash Pickup            | Currency |
| -- | ------------------------ | ------------------------------------------------- | ------------------------------ | ---------------------- | -------- |
| 1  | Benin                    | MTN, Moov, SBIN                                   |                                |                        | XOF      |
| 2  | Botswana                 | Mascom                                            |                                |                        | BWP      |
| 3  | Burkina Faso             | Orange                                            |                                |                        | XOF      |
| 4  | Burundi                  | Econet                                            |                                |                        | BIF      |
| 5  | Cameroon                 | Orange, MTN                                       | Major banks                    | Express Union          | XAF      |
| 6  | Central African Republic | Orange                                            |                                |                        | XAF      |
| 7  | Congo Brazzaville        | MTN, Airtel                                       |                                | Express Union          | XAF      |
| 8  | Comoros                  | Mvola                                             |                                |                        | KMF      |
| 9  | Cote d'Ivoire            | MTN, Moov, Orange                                 |                                |                        | XOF      |
| 10 | Chad                     | Airtel, Chad                                      |                                |                        | XAF      |
| 11 | DRC                      | Airtel, Vodacom, Orange                           |                                | Express Union          | USD      |
| 13 | Eswatini                 | MTN                                               |                                |                        | SZL      |
| 14 | Ethiopia                 | Amole, Ethio Telecom (Telebirr), Safaricom, Kacha | All banks                      |                        | ETB      |
| 15 | Gabon                    | Airtel, Moov                                      |                                |                        | XAF      |
| 16 | Gambia                   | Africell\*                                        |                                |                        | GMD      |
| 17 | Ghana                    | MTN\*, AT (AirtelTigo)*, Telecel (Vodafone)*      | All banks                      |                        | GHS      |
| 18 | Guinea Bissau            | MTN, Orange                                       |                                |                        | XOF      |
| 19 | Guinea Conakry           | MTN, Orange                                       |                                |                        | GNF      |
| 20 | Kenya                    | Safaricom\*                                       | All banks                      |                        | KES      |
| 21 | Liberia                  | MTN, Orange                                       |                                |                        | USD      |
| 22 | Madagascar               | Orange, Airtel, Mvola                             |                                |                        | MGA      |
| 23 | Malawi                   | Airtel, TNM                                       |                                | eKwacha                | MWK      |
| 24 | Mali                     | Orange                                            |                                |                        | XOF      |
| 25 | Mauritania               |                                                   | Banque Nationale De Mauritanie |                        | MRU      |
| 26 | Morocco                  | Orange                                            |                                | Chaabi Cash, Cash Plus | MAD      |
| 27 | Mozambique               | Vodacom                                           |                                |                        | MZN      |
| 28 | Niger                    | Airtel, Moov                                      |                                |                        | XOF      |
| 29 | Nigeria                  | Paga, Opay, Palmpay                               | Major banks                    | Baxi                   | NGN      |
| 30 | Rwanda                   | MTN, Airtel                                       |                                |                        | RWF      |
| 31 | Senegal                  | Orange, YAS (Free Money)                          |                                |                        | XOF      |
| 32 | Sierra Leone             | Africell, Orange                                  |                                |                        | SLE      |
| 33 | Somalia                  | Asal Express, eBesa Mobile                        | Major banks                    |                        | USD      |
| 34 | South Africa             |                                                   | All banks                      |                        | ZAR      |
| 35 | South Sudan              | M-Gurush, MTN                                     |                                |                        | SSP      |
| 36 | Tanzania                 | Airtel, Vodacom, Yas (Tigo)                       | Major banks                    |                        | TZS      |
| 37 | Togo                     | Moov, Yas (Togocel)                               |                                |                        | XOF      |
| 38 | Uganda                   | MTN, Airtel                                       | All banks                      |                        | UGX      |
| 39 | Zambia                   | MTN, Airtel                                       |                                |                        | ZMW      |
| 40 | Zimbabwe                 | Econet                                            |                                |                        | USD      |

## Payout Methods

Spendl Remittances support multiple payout methods across Africa. Users can send money directly to supported mobile wallets, local bank accounts, or trusted cash pickup locations through Spendl's secure infrastructure.

| Payout Method   | What it does                                                                                                                                                    |
| --------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Mobile Transfer | Send money directly to supported mobile wallets across Africa. Funds arrive quickly so recipients can use the balance for payments, withdrawals, or transfers.  |
| Bank Transfer   | Send funds directly to local bank accounts in supported countries. A reliable option for larger payments or recipients using traditional banking services.      |
| Cash Transfer   | Send money for cash pickup through trusted payout partners across Africa. Recipients collect funds at approved locations using their ID and transfer reference. |

## Core Objective

The core objective of Remittances within Spendl is to make cross border payments a native capability inside the platform.

Users can send money internationally without needing to move between multiple providers, payment tools, or manual processes.

## How It Can Be Used

Spendl Remittances help users send money across Africa through mobile wallets, bank accounts, and cash pickup locations.

* One platform.
* Multiple payout methods.
* Supported African countries.

| Use Case                      | Description                                                                         |
| ----------------------------- | ----------------------------------------------------------------------------------- |
| Send money internationally    | Move funds to supported African countries from inside Spendl.                       |
| Support family across borders | Send money to family members through mobile wallets, bank accounts, or cash pickup. |
| Business payments             | Pay suppliers, contractors, or partners in other countries.                         |
| Integrated workflows          | Add remittances into business operations and customer journeys.                     |
| Reduce delays                 | Use structured payout rails to reduce payment delays and reconciliation issues.     |
| Improve transparency          | View payment details and payout method before completing the transfer.              |