Sama Transfer review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
Sama Transfer trades broad coverage for focused phone based money movement in the markets it serves. It is an electronic money service for people who send, withdraw and pay by phone through the application or through a basic phone option.
Key facts
- Best for
- People handling everyday transfers by mobile phone
- Official website
- sama.money
Pros and cons
Pros
- Phone based service for sending, withdrawing and paying
- Application access plus a basic phone option without a smartphone
- Agent network supports cash withdrawal from the account
- Electronic money issuer authorised by BCEAO
Cons
- Coverage stays focused on two markets, which limits wider use
- Transfers move between SAMA accounts, which narrows receiving options
Who it suits
- People who manage daily spending by mobile phone
- People without smartphones who still need mobile payments
- Holders who withdraw through local agents regularly
Who should look elsewhere
- People needing transfers beyond the markets served
How Sama Transfer compares
Frequently asked questions
Which countries does Sama Transfer serve?+
Sama Transfer serves Mali and Côte d'Ivoire for transfers and mobile payments. Customers send, withdraw and pay by phone inside the markets served. The service focuses on phone based money movement rather than separate banking products.
What can customers do with Sama Transfer?+
Customers send money to other SAMA accounts, withdraw funds through agents and pay by phone. The service covers everyday mobile transactions for personal use. Every action stays linked to the balance held in the SAMA account.
How does Sama Transfer work on different phones?+
Customers with a smartphone manage transfers through the SAMA Money application. Customers without a smartphone complete the same steps through a short code on a basic phone. Both routes support sending, withdrawing and paying from the account.
What kind of company is behind Sama Transfer?+
SAMA operates as an electronic money issuer authorised by BCEAO. It provides transfer, withdrawal and mobile payment services to account holders. Its structure centres on regulated electronic money rather than traditional deposit accounts.
Not confirmed yet: Transfer fee, Exchange rate markup, Delivery time, Licence type.