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Wallet services

Practical payments for daily life and business

Poolam brings transfers, cash services, bills, airtime, shopping, salary, remittance and supported banking functions into one connected mobile-money ecosystem.

What you can do

A complete mobile-wallet service catalogue

Service availability, limits and fees can vary by channel, customer verification level, provider and applicable regulation.

Send and receive money

Transfer money between eligible My Money wallets using the Poolam app or supported self-service channel.

  • Send funds to family, friends and other eligible recipients
  • Receive transaction confirmation and retain the receipt
  • Use authorized agents for supported cash-out services

Cash in and cash out

Convert cash to wallet value or withdraw wallet funds through authorized My Money agents.

  • Visit an authorized agent and verify the transaction details
  • Keep the official transaction receipt
  • Never disclose your PIN to an agent or another person

Bill payments

Pay supported utility and service bills from your wallet and receive a digital confirmation.

  • Enter or scan the correct customer or bill reference
  • Review the amount before confirming
  • Keep the payment receipt for your records

Airtime and bundles

Recharge supported mobile numbers and purchase available voice or data bundles.

  • Top up your own number or another supported number
  • Select available bundle options in the app
  • Review the mobile number before payment

Merchant payments

Pay participating merchants and service providers directly from your Poolam wallet.

  • Scan a supported merchant QR code or select the merchant
  • Confirm the merchant name and amount
  • Receive a transaction receipt immediately

Bank linkage

Use supported bank-to-wallet and wallet-to-bank services for convenient fund movement.

  • Access supported linked banking channels
  • Review limits and applicable fees before confirming
  • Transaction availability depends on participating banks

Salary disbursement

Organizations can distribute approved salary or bulk payments to registered recipients.

  • Suitable for distributed workforces and approved beneficiary programs
  • Provides digital transaction records and reconciliation support
  • Recipients can use wallet services or authorized cash-out points

MoneyGram remittance

Receive eligible MoneyGram transfers through supported My Money processes and channels.

  • Use the correct remittance reference and recipient information
  • Identity verification may be required
  • Availability and limits are subject to applicable rules

AWCC voice and data bundles

Purchase available AWCC voice or data bundles for yourself or supported recipients.

  • Browse supported bundle options
  • Confirm the receiving number
  • Receive immediate purchase confirmation
Multiple access channels

Choose the channel that matches your device and need

Poolam app

The full smartphone experience for account activity, payments, QR transactions and supported wallet services.

USSD *220#

A self-service channel for supported wallet functions on compatible mobile phones.

Agent assistance

In-person support for registration, cash services and other authorized transactions.

Check every receipt before you leave

Verify the recipient, amount, transaction reference and status. Report any difference immediately through official support channels.

Security

Ready to make your next payment simpler?

Download Poolam or visit an authorized My Money agent.