Sama Money review
Updated October 12, 2026 · VaultCue Editorial Team
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Our verdict
SAMA Money differs from global transfer services by focusing on phone based mobile money for daily transfers, withdrawals and payments. For people who manage money by phone, it provides application access plus basic handset operation and agent withdrawals under approval from BCEAO.
Key facts
Everyday accounts
- Monthly fee
- F CFA 0↗
- Free ATM withdrawals
- F CFA 0↗
- Audience
- Students
- Pricing model
- No monthly fee
- Features
- Digital-only
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- Xfacebook.com
Pros and cons
Pros
- Operates mobile sending, withdrawing and paying through one phone application.
- Covers everyday mobile money needs in its service area with phone centred access.
- Supports people without smartphones through basic phone operation.
- Provides agent withdrawals alongside application based transfers and payments.
Cons
- Limits activity to two countries, so coverage stays narrow.
- Moves money between SAMA accounts, which restricts the receiving network.
- Requires a visit to an agent to collect cash withdrawals.
Who it suits
- People managing daily money by phone
- Owners of basic handsets needing mobile access
Who should look elsewhere
- People sending money beyond the service area
How Sama Money compares
Where Sama Money is available
- Available
- Mali
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does SAMA Money offer?+
SAMA Money offers transfer and mobile payment activity centred on the phone. It allows sending, withdrawing and paying through the application, with basic handset operation for people without a smartphone. Withdrawals happen through agents within the service area.
Where does SAMA Money operate?+
SAMA Money operates in Mali and Côte d'Ivoire. It supports phone based transfers and payments inside those two countries, with agent collection for cash needs. The brand presents the application as the main route for daily everyday mobile use there.
How do people use SAMA Money without a smartphone?+
People without a smartphone can use SAMA Money through basic phone operation. The service provides an alternative route that does not require the application. It keeps mobile sending, withdrawing and paying reachable for owners of simpler handsets.
What type of company is SAMA Money?+
SAMA Money acts as an electronic money issuer approved by BCEAO. That official approval underpins its transfer and payment activity. The status defines the company as a regulated issuer rather than a general trading business.
Where is Sama Money based?+
Sama Money is based in Mali. (Source, checked September 26, 2026)
How can I contact Sama Money support?+
Sama Money offers support through Email, Phone, Chat. (Source, checked September 26, 2026)
Sources
- sama.money checked September 26, 2026
Backs: Free ATM withdrawals, Audience, Features, Pricing model, Monthly fee, Payout methods, Transfer fee, Fee to send 1,000
- sama.money/conditions.html checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Exchange rate markup, Delivery time, Licence type.