Moza Banco review
Updated October 12, 2026 · VaultCue Editorial Team
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Our verdict
For small firms watching daily cash, Moza Banco pairs everyday business liquidity with Moza Já mobile access for balances and payments. Moza Banco also provides dedicated consumer finance for public staff and maintains visible cultural activity through literary partnerships and defined personal projects.
Key facts
- Best for
- Everyday business liquidity with mobile daily banking
- Currencies
- 9↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- MZN 3,000↗
- Transfer fee
- Conta Basica: first two transfers per month up to 1,000.00 MT free, other operations per the price list in force↗
- Legal entity
- Moza Banco, S.A.↗
- Headquarters
- Mozambique↗
- Founded
- 2008↗
- Support channels
- Phone, Email, Chat, Help-centre↗
- Audience
- Expats, Business, Teens
- Pricing model
- Fixed rate
- Features
- Free ATM withdrawals, Joint account
- Official website
- mozabanco.co.mz
Savings
- Headline rate
- 1.75%↗
- Rate type
- Fixed↗
- Term
- 12 months↗
- Minimum deposit
- MZN 100↗
- Access terms
- DP Moza Poupanca: 365-day term, automatically renewable, interest paid monthly with automatic capitalisation, top-ups allowed from 100 MT↗
- Account kind
- Fixed↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- LinkedInXyoutube.com
Pros and cons
Pros
- Mobile access for balances, movements, exchanges, transfers and payments
- Consumer finance for appliances, furniture, travel, materials and training
- Cultural programme honouring literary heritage through readings and conversation
Cons
- Everyday business coverage concentrates around a single liquidity account
- Consumer finance centres on defined personal purposes rather than open choice
- Routine management leans on mobile access for balances and payments
Who it suits
- Small firms managing daily operational liquidity
- Public sector workers planning household and personal projects
- Mobile users handling balances, transfers and payments
Who should look elsewhere
- Borrowers wanting open ended credit beyond defined purposes
How Moza Banco compares
Where Moza Banco is available
- Available
- Mozambique
- Licence in Mozambique
- Banco de Moçambique, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What daily tasks does Moza Já cover+
Moza Já brings routine money management together in one mobile place. You can view balances, review recent movements and check foreign exchanges. You can also arrange transfers, handle payments and reach consumer credit options.
What business support does the bank describe+
Conta + Negócios supports firms that need ready liquidity for ordinary operating demands. It frames the account around confidence in handling daily business requirements. It positions steady access to funds as help for facing recurring commercial needs.
What does the consumer credit cover+
Consumer credit focuses on public employees and state agents with defined personal goals. It covers household appliances, furniture, travel, weddings, building materials, training and investment. It offers simple and flexible subscription with prompt release of funds for other stated purposes.
How does Moza Banco engage with local culture+
Moza Banco maintains visible cultural engagement alongside its banking activity. It joined a cultural foundation to host a literary conversation and public readings. The gathering celebrated a major literary centenary and explored art, freedom, dreams and shared imagination.
Which company operates Moza Banco?+
Moza Banco is operated by Moza Banco, S.A.. (Source, checked September 26, 2026)
Where is Moza Banco based?+
Moza Banco is based in Mozambique. (Source, checked September 26, 2026)
When was Moza Banco founded?+
Moza Banco was founded in 2008. (Source, checked September 26, 2026)
Sources
- mozabanco.co.mz/media/4gjpclvs/find-conta-valor.pdf checked September 26, 2026
Backs: Currencies, Headquarters, Legal entity, Licences
“CONTA VALOR: 5. MOEDA - MT, ZAR, USD, EUR, GBP, JPY, SEK, NOK E CNY”
- mozabanco.co.mz/media/ev3j5gak/find-conta-banc%C3%A1ria-b... checked September 26, 2026
Backs: Features, Local account details, Transfer fee
- mozabanco.co.mz/pt checked September 26, 2026
Backs: Support channels
- mozabanco.co.mz/pt/faq checked September 26, 2026
Backs: Audience
- mozabanco.co.mz/pt/institucional checked September 26, 2026
Backs: Founded
- mozabanco.co.mz/pt/particulares/dia-a-dia/contas/conta-ba... checked September 26, 2026
Backs: Free ATM withdrawals
- mozabanco.co.mz/pt/particulares/poupanca/depositos-a-prazo checked September 26, 2026
Backs: Account kind
- mozabanco.co.mz/pt/particulares/poupanca/depositos-a-praz... checked September 26, 2026
Backs: Access terms, Headline rate, Minimum deposit, Pricing model, Rate type, Term
Compiled from 8 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Licence type, Deposit protection, Currency conversion fee.