Djamo review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
For residents in Côte d'Ivoire seeking one app for daily money, Djamo provides a current account with included IBAN alongside savings, investing and credit. It combines salary reception, card spending, bill handling and transfers with budgeting controls for everyday use.
Key facts
- Best for
- Centralised everyday banking in Côte d'Ivoire by app
- Monthly fee
- F CFA 0↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- F CFA 0↗
- Transfer fee
- 1.5% on Djamo to Mobile Money and Djamo to bank transfers (Free plan); Premium: Mobile Money free up to 1,000,000 XOF then 1%, bank transfers free with no cap↗
- Legal entity
- Djamo Cote d'Ivoire↗
- Headquarters
- Côte d'Ivoire↗
- Founded
- 2020↗
- Support channels
- Phone, Chat, Email↗
- Audience
- Business
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals, Digital-only
- Official website
- djamo.com
Savings
Money transfer
- Delivery time
- Instant, a few seconds↗
- Payout methods
- Bank, Cash-pickup, Wallet, Card↗
- Fee to send 1,000
- F CFA 15↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataLinkedInXcareers.djamo.com
Pros and cons
Pros
- Current account with IBAN for salary reception and transfers across the UEMOA zone
- Virtual and physical cards for online purchases, shops and cash withdrawals abroad
- Savings and regional fund investing placed next to credit and bill handling
- Budgeting controls with category limits, recurring payments view and currency preview
Cons
- Mobile app centred service without branch access for everyday account handling
- Geographic focus stays on Côte d'Ivoire and the wider UEMOA area
- Investment choice remains within regional funds rather than wider markets
Who it suits
- People receiving salary in Côte d'Ivoire and paying household bills
- Card users wanting online, in store and travel spending in one place
Who should look elsewhere
- People wanting branch based service outside the covered area
How Djamo compares
Where Djamo is available
- Available
- Côte d'Ivoire, Senegal
- Licence in Côte d'Ivoire
- Autorite des Marches Financiers de l'UMOA (AMF-UMOA), checked September 26, 2026
- Licence in Côte d'Ivoire
- Cote d'Ivoire (agrement de microfinance, regulator not named in source), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What products does Djamo cover?+
Djamo covers a current account with IBAN, savings, investment in regional funds, credit and virtual plus physical cards. You receive salary, manage spending, set money aside and place savings in funds from one mobile app. Bill handling and transfers to accounts and mobile wallets complete the everyday range.
Where can you use Djamo?+
Djamo focuses on daily life in Côte d'Ivoire and supports salary and bank transfers across the UEMOA zone. You send money to other accounts, mobile wallets and banks within the area and handle utility and television bills by app. Cards support online and in store payments at home and during travel abroad.
Who is Djamo for?+
Djamo suits people who want salary, spending, saving, investing and credit managed from one mobile service. It appeals to users who like clear organisation, category limits and recurring payment tracking. Card controls and currency preview support confident payments at home and abroad.
How does Djamo help control spending?+
Djamo helps control spending with limits by category and alerts before spending goes beyond them. You view recurring payments together in one place and preview amounts in your own currency before paying abroad. Card locking and transaction confirmation add steady protection to daily payments.
Does Djamo charge a monthly fee?+
The monthly fee at Djamo is F CFA 0. (Source, checked September 26, 2026)
Which company operates Djamo?+
Djamo is operated by Djamo Cote d'Ivoire. (Source, checked September 26, 2026)
Where is Djamo based?+
Djamo is based in Côte d'Ivoire. (Source, checked September 26, 2026)
When was Djamo founded?+
Djamo was founded in 2020. (Source, checked September 26, 2026)
How can I contact Djamo support?+
Djamo offers support through Phone, Chat, Email. (Source, checked September 26, 2026)
Sources
- djamo.com/fr-ci/a-propos checked September 26, 2026
Backs: Audience, Founded, Headquarters
- djamo.com/fr-ci/compte-epargne checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“Compte epargne | Jusqu'a 6%/an, zero frais ... Duree de blocage: Libre 3,5% / 1 mois 3,75% / 3 mois 4% / 6 mois 5% / 1 an 6%”
- djamo.com/fr-ci/conditions-generales-et-tarifaires checked September 26, 2026
Backs: Legal entity, Licences
- djamo.com/fr-ci/conditions-generales-et-tarifaires/djamo-ci checked September 26, 2026
Backs: Support channels
- djamo.com/fr-ci/tarifs checked September 26, 2026
Backs: Free ATM withdrawals, Features, Local account details, Pricing model, Monthly fee, Payout methods, Transfer fee, Fee to send 1,000
“Numero IBAN gratuit - IBAN instantane”
- djamo.com/fr-ci/transferts checked September 26, 2026
Backs: Delivery time
Compiled from 6 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.