Your mobile money.
Everywhere.
Connect M‑PESA, MTN MoMo, Airtel Money and more, then spend anywhere with a Visa or Mastercard issued in seconds.
Works with the wallets you already use
Every major mobile money wallet. One balance.
40+ wallets across 25 countries. New integrations added every month.
How it works
Three steps. About a minute.
No branch visits, no forms, no waiting for a courier before you can pay. Scroll through what actually happens.
- 01
Link your wallet.
Connect M‑Pesa, MTN MoMo, Airtel Money — one or all of them. Verify with a one‑time code and your ID, once. About two minutes.
- 40+ wallets
- One‑time KYC
- No paperwork
9:41WalletsLink a walletOne balance across all of them.MLinkedM‑PESASafaricom · KenyaMMTN MoMoGhana · UgandaAAirtel Money14 marketsWWaveSenegal · Côte d’IvoireM‑PESA verified+254 7•• ••• 412 · via OTP - 02
Get your card.
A Visa or Mastercard is issued instantly. Add it to Apple Pay or Google Pay and tap to pay right away. A physical card is one tap to order.
- Under 60 seconds
- Apple Pay · Google Pay
- Physical optional
9:41CardYour card is ready.Issued 41 seconds after sign‑up.amaniVISA••••••••••••4821AMARA OKAFORFreeze cardAuto‑fund from M‑PESA - 03
Spend anywhere.
Online, in‑store, in any currency. With Auto‑fund on, each purchase draws the exact amount from your wallet at the moment you pay — nothing to pre‑load.
- 200+ countries
- Mid‑market FX
- Instant notifications
9:41HomeAvailable to spendKES 48,260Auto‑fund on · M‑PESARecentApple StoreLondon · just now−£249.00NNetflixOnline · 3‑D Secure−$15.99UUberNairobi · Today−KES 620MM‑PESAAuto‑fund+KES 32,000AmaninowApproved · Apple Store, London · £249.00
The card
One balance.
Every wallet. Every country.
Amani pools your mobile money into a single spendable balance and puts a Visa or Mastercard on top of it. Everything else is detail — we obsessed over it anyway.
Instant top‑ups. Or none at all.
Move money in from any linked wallet in seconds — or turn on Auto‑fund and let purchases pull from your wallet as they happen.
The real rate.
Mid‑market FX on every purchase. No weekend markups, no “international” surprise.
Freeze in a tap.
Lost your phone? Freeze the card, get a new number, keep your wallet untouched.
Spend controls.
Per‑merchant limits, online‑only mode, single‑use numbers for subscriptions.
Apple Pay. Google Pay.
Tap to pay from the moment your card is issued — before the plastic even ships.
Virtual now. Physical when you want it.
Virtual cards issue in under 60 seconds. The physical card — matte, metal‑core, numberless — ships within days.
Global by default
Anywhere Visa or Mastercard goes, so do you.
Security
Built like a bank. Feels like an app.
PCI DSS Level 1. Real‑time fraud scoring on every authorisation. Instant notifications for every cent. And a human, in your time zone, if you ever need one.
3‑D Secure on every online purchase
Approve from your phone with Face ID or a fingerprint. Nothing goes through without you.
Numberless. Tokenised. Never stored on your phone.
Card details live in a certified vault, not on your device. Each merchant gets its own token.
Biometric lock on the app
Every balance view, every transfer, every card reveal — gated behind biometrics.
Regulated partners. Segregated funds.
Cards are issued by licensed partner banks. Your money is held separately from ours, always.
Pricing
All of the fees. On one screen.
No monthly fee. No minimum balance. No surprise FX margins buried in a PDF. If a fee isn’t on this list, we don’t charge it.
Fees shown in USD equivalent. Mobile money operator fees may apply separately and are shown before you confirm.
Questions
Good to know.
Which wallets can I link?
M‑Pesa (Kenya, Tanzania), MTN MoMo (Ghana, Uganda, Rwanda, Cameroon…), Airtel Money, Orange Money, Wave, EcoCash, Telebirr and more — 40+ wallets across 25 countries, with new operators added monthly.
Is it a real Visa / Mastercard?
Yes. Amani cards are issued by licensed partner banks on the Visa and Mastercard networks. They work anywhere those networks are accepted — online, in‑store, and at ATMs.
Do I need to pre‑load the card?
No. With Auto‑fund on, each purchase pulls the exact amount from your linked wallet at the moment of authorisation. You can also top up manually if you prefer a fixed card balance.
What exchange rate do I get?
The mid‑market rate — the same one you see on Google — plus a flat 0.5%. No weekend markups, no tiered pricing.
How fast is it?
Most people go from download to a working virtual card in under a minute. Physical cards ship within 2–5 business days depending on your country.
Where is Amani available?
Kenya, Ghana, Uganda, Tanzania, Rwanda, Nigeria, Senegal and Côte d’Ivoire today. Join the waitlist and we’ll tell you the day your country goes live.
Get Amani. Go anywhere.
Free virtual card in under a minute. Available on iPhone and Android.