QMoney review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
QMoney focuses its mobile wallet on everyday Gambian payments like transfers, bills, airtime and cashpower through phone and agent channels. It is a mobile money service for individuals and local organisations that want to manage daily funds without relying entirely on cash or a traditional bank account.
Key facts
- Best for
- Everyday mobile money for Gambian daily needs
- Monthly fee
- GMD 0↗
- Transfer fee
- Free to another QMoney wallet; cash-out D6-D450 by band↗
- Legal entity
- QMoney Financial Ltd↗
- Headquarters
- Gambia↗
- Founded
- 2016↗
- Support channels
- Email, Phone, Help-centre↗
- Audience
- Business
- Pricing model
- No monthly fee
- Features
- Digital-only
- Official website
- qmoney.gm
Money transfer
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Covers transfers, bill payments, airtime, data and cashpower in one wallet.
- Works through an app, web portal and USSD code for wider phone access.
- Serves individuals and Gambian organisations from the same wallet system.
- Offers a network of more than 350 authorised agents across the country.
Cons
- Centres only on Gambian daily needs, which limits use outside that market.
- Needs an authorised agent or linked bank account to add funds.
- Operates as a mobile wallet without traditional bank branch service.
Who it suits
- People who want phone based money management without a bank account
- Organisations that pay teams and collect payments in one place
Who should look elsewhere
- People seeking traditional branch based current account service
Who runs it
QMoney Financial Ltd runs QMoney as a mobile money service for individuals and businesses in Gambia. It operates through mobile technology together with a growing network of authorised agents across the country. The company provides one wallet for personal payments and separate tools for organisations that pay staff and collect funds. Customers reach the service through the QMoney Customer App, a web portal and a short dial code.
Safety and regulation
QMoney presents its wallet as secure and protected by a personal secret code for every transaction. Activation creates a starter code sent by text message, followed by a four digit code chosen by the customer. Only that secret code authorises activity, which protects funds if a phone is lost. Funding and cash handling go through authorised agents and linked bank accounts rather than informal channels.
How QMoney compares
Where QMoney is available
- Available
- Gambia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Which everyday tasks does QMoney cover?+
QMoney covers sending money, receiving funds, settling bills and buying airtime, data, credit and cashpower from one wallet. It brings those everyday tasks together so daily needs can be managed by phone. Business payments are also included in the same system.
Where can QMoney be used?+
QMoney serves individuals and businesses in Gambia through mobile technology and authorised agents. It reaches customers through a network of more than 350 agents across the country. Access is provided by phone, computer and in person agent points.
What can businesses do with QMoney?+
QMoney provides business solutions for Gambian organisations that pay employees, agents and partners. It allows multiple transactions to be managed from one place and collects customer payments. Businesses accept payments through a merchant number and a scannable code.
Who runs QMoney and how is access secured?+
QMoney is run by QMoney Financial Ltd for individuals and businesses. It operates a mobile wallet alongside an agent network and business payment tools. Registration uses a starter code by text message followed by a personal secret code.
Does QMoney charge a monthly fee?+
The monthly fee at QMoney is GMD 0. (Source, checked September 26, 2026)
Which company operates QMoney?+
QMoney is operated by QMoney Financial Ltd. (Source, checked September 26, 2026)
Where is QMoney based?+
QMoney is based in Gambia. (Source, checked September 26, 2026)
When was QMoney founded?+
QMoney was founded in 2016. (Source, checked September 26, 2026)
How can I contact QMoney support?+
QMoney offers support through Email, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- qmoney.gm checked September 26, 2026
Backs: Headquarters, Legal entity, Pricing model, Monthly fee, Fee to send 1,000
“Get in-person support at QCell House on Kairaba Avenue, Serrekunda.”
- qmoney.gm/about checked September 26, 2026
Backs: Audience, Features, Founded
“QMoney was created to bring secure, practical financial services closer to individuals, families and businesses across The Gambia.”
- qmoney.gm/customer-services checked September 26, 2026
Backs: Payout methods
“Send money to another QMoney wallet ... Add money to your wallet or withdraw cash through an authorised QMoney agent ... Connect your bank account to your QMoney wallet”
- qmoney.gm/customer-tariffs checked September 26, 2026
Backs: Transfer fee
“CASH IN: -; CASH OUT: 6 for 10-25 up to 450 for 25,001-30,000; SEND MONEY: - (QMoney customer tariffs)”
- qmoney.gm/legal checked September 26, 2026
Backs: Support channels
“QMoney Customer Support Email: operations@qmoney.gm”
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.