Country guides

Launching mobile money in Angola

Angola has a strong card and ATM network through EMIS, and mobile money is growing fast. The Banco Nacional de Angola (BNA) licenses payment institutions under the 2020 payment system law.

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Many Angolans already pay with bank cards and phone apps, so a new wallet should connect to the existing network and instant payments from day one.

Portuguese is the language of the whole service: apps, receipts and support.

The rules in brief

Regulator: Banco Nacional de Angola (BNA)
Main texts: Law 40/20 on the Angolan payment system and BNA notices on payment institutions
Licence routes: Payment institution licence; or a partner bank
Minimum capital: Set by BNA notice: confirm the current amount with the BNA
Interoperability: EMIS (Multicaixa) and KWiK instant payments
KYC and limits: Tiered KYC with limits set by the BNA
Currency: Angolan kwanza (AOA)

Summary of published texts, checked on 2026-10-16. Rules change: confirm the current text with the regulator or your lawyer before you apply.

Payment rails to connect

Mobile wallets: 3 main providers
Banks
National instant payments

Launching with PesaBridge, step by step

Choose your licence route: your own licence, a partner bank or e-money issuer, or a licensed aggregator.

Build your proposal online: countries, payment rails and plan, in 10 minutes.

We set up the platform, your brand and the payment rails while you finish the licence file.

Test with a pilot group of customers, agents and merchants, and with the regulator where required.

Go live, recruit agents and merchants, and add services and countries as you grow.

Inside the product

One platform behind every launch.

Every country launch runs on the same wallet app and back office, set up for your currency, rails and languages.

Questions

Can the apps run in Portuguese?

Yes. The apps, their messages and receipts are in Portuguese.

Can we connect to EMIS and KWiK?

Yes. Each is a rail in PesaBridge; we build the connections during the launch project.

Can a bank launch a wallet?

Yes. Banks use PesaBridge for wallets, agents and merchants next to their core banking system.

Banco Nacional de Angola: sistema de pagamentos

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