How to Open a Mobile Money Account in Madagascar

Mobile Money allows you to send, receive, and store money using your phone.
It’s fast, secure, and widely used in Madagascar for payments, transfers, and bills. This guide explains how to open your account and start using it.

Quick Background

Introduced in Madagascar in the late 2000s, Mobile Money has become a simple and inclusive financial solution.
The three main operators – Mvola (Telma), Orange Money, and Airtel Money – offer similar services such as money transfers, bill payments, airtime purchases, and salary payments.
All you need is a phone and a SIM card registered in your name.

Steps to Follow

1. Choose your operator (Mvola, Orange Money, or Airtel Money).
2. Visit an authorized agent (operator shop or Mobile Money dealer).
3. Bring your National ID (CIN) and an active SIM card.
4. Request to open a Mobile Money account.
5. The agent will register your details and activate your account.
6. You’ll receive a confirmation SMS with your PIN or setup instructions.
7. You can now send, receive, or withdraw money directly from your phone.

Important Notes

• Your number must be registered in your name to open an account.
• Never share your PIN code with anyone.
• Fees for transfers and withdrawals differ depending on the operator.
• If your phone is lost, contact your operator immediately to block your account.

Useful Tips

• Check your balance anytime using the USSD code of your operator:
  • Mvola → *111
  • Orange Money → *111
  • Airtel Money → *400
• You can now pay bills (Jirama, Canal+, school fees) directly with Mobile Money.
• Some banks let you link your Mobile Money wallet to your bank account for transfers.