Julaya review
Updated October 12, 2026 · VaultCue Editorial Team
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Our verdict
Julaya contrasts with scattered payment tools by centralising transfers, collections and tracking in one fully online account. For finance teams managing mobile money and bank payments across its supported countries, it keeps daily control while records stay organised for accounting.
Key facts
- Best for
- Teams centralising mobile and bank payments
- Local account details
- IBAN↗
- Transfer fee
- Mobile money and cash-and-collect transfers 0.5-1.5% TTC depending on volume; inter-company transfers free (0.1-0.5% TTC charged to the beneficiary by volume); bank transfers priced according to transaction volume↗
- Legal entity
- JULAYA SAS↗
- Headquarters
- France↗
- Founded
- 2018↗
- Support channels
- Email, Phone↗
- Audience
- Business
- Official website
- julaya.co
Money transfer
- Delivery time
- Instant for mobile money transfers (97-100% success rate); bank transfers sent same day if received before 3pm↗
- Payout methods
- Bank, Wallet↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- Centralises mobile money transfers, bank transfers and bill payments in single account
- Receives cash and mobile money deposits straight into one central balance
- Consults, exports and filters transaction history with receipts for accounting
- Works through partner bank branches for cash funding across supported markets
Cons
- Available only across four West African markets, limiting use elsewhere
- Handles professional payments only, without a personal everyday account option
Who it suits
- Finance teams managing mobile money and bank transfers centrally
- Managers needing clear transaction reports and accounting documents
- Field sales organisations collecting cash across supported markets
Who should look elsewhere
- Individuals looking for personal daily banking
- Teams operating outside the supported corridor
How Julaya compares
Where Julaya is available
- Available
- Benin, Côte d'Ivoire, Senegal, Togo
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who uses Julaya?+
Julaya is a fully online account aimed at professionals managing varied financial challenges. Finance and general managers use it daily to transfer, collect, track and centralise spending from one place. Client accounts show teams moving from hand to hand cash handling toward report based oversight.
Which countries does Julaya cover?+
Julaya partners with banks in Côte d’Ivoire, Sénégal, Bénin and Togo. Cash deposits or transfers can be made at branches of partner banks in those markets. Transfers reach mobile money networks, banks and billers from a single account.
How does online access to Julaya work?+
Julaya operates as a fully online account without branch service of its own. Transfers, collections and spending tracking are managed centrally after funding the balance. History, receipts and scanned supporting documents remain consultable, exportable and filterable at any time.
What payments and collections does Julaya centralise?+
Julaya covers mobile money transfers, bank transfers and bill payments from one account. Funding arrives through cash deposits, mobile money credits and branch transfers. Collections are visible immediately, which helps teams follow seller deposits and centralise oversight.
Which company operates Julaya?+
Julaya is operated by JULAYA SAS. (Source, checked September 26, 2026)
Where is Julaya based?+
Julaya is based in France. (Source, checked September 26, 2026)
When was Julaya founded?+
Julaya was founded in 2018. (Source, checked September 26, 2026)
How can I contact Julaya support?+
Julaya offers support through Email, Phone. (Source, checked September 26, 2026)
Sources
- julaya.co/fr/about checked September 26, 2026
Backs: Audience, Founded
- julaya.co/fr/features/iban checked September 26, 2026
Backs: Local account details
- julaya.co/fr/legals checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Email : contact@julaya.co - Telephone : +33 6 37 30 23 44”
- julaya.co/fr/prices checked September 26, 2026
Backs: Delivery time, Transfer fee
- julaya.co/fr/products/transfer checked September 26, 2026
Backs: Payout methods
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Licence type, Deposit protection, Currency conversion fee, Currencies.