Sama Money review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
SAMA Money is an electronic money issuer providing mobile sending, withdrawing and paying in Mali and Côte d’Ivoire through application and basic handset access. It serves residents managing everyday transfers by phone, alongside local companies and institutions using mobile payments for operational needs.
Key facts
- Best for
- People moving money by phone in two local markets
- Official website
- sama.money
Pros and cons
Pros
- The service covers sending, withdrawing and paying by phone.
- Basic handset access extends mobile money functions beyond the application.
- Separate use covers individuals, companies and institutions locally.
- The company operates as an electronic money issuer approved by the BCEAO.
Cons
- The service focuses on phone led transfers in two markets.
- Cash withdrawals require a visit to a local agent.
Who it suits
- Residents managing everyday transfers by phone
- Companies handling mobile payments locally
- Institutions using mobile money for payments
Who should look elsewhere
- People needing transfers outside covered markets
- People seeking full bank accounts
How Sama Money compares
Frequently asked questions
What does SAMA Money offer?+
SAMA Money provides mobile money for sending funds, withdrawing cash and paying by phone. Customers use the application to manage these actions in one place. Transfers between accounts of the same service form the core of the offer.
How does SAMA Money work without a smartphone?+
Customers without a smartphone can use the service by dialling a short code on a basic handset. The code gives access to sending, withdrawing and paying without the application. This approach keeps mobile money open to users with simpler phones.
Who can use SAMA Money?+
SAMA Money adapts to individuals as well as companies and institutions. Personal customers manage everyday mobile transfers through the same system. Organisations also use it for their own payment needs within the local covered markets.
What kind of company is behind SAMA Money?+
SAMA Money operates as an electronic money issuer approved by the BCEAO. The approval defines how it provides mobile transfers and payments under electronic money rules. Customers use it as a regulated provider rather than as a general bank.
Where does SAMA Money operate?+
SAMA Money focuses on mobile transfers and payments in Mali and Côte d’Ivoire. Customers send, withdraw and pay by phone within those two markets. The service keeps its attention on local needs rather than wider coverage.
Not confirmed yet: Transfer fee, Exchange rate markup, Delivery time, Licence type.