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Ethiopia's birr-denominated payments market includes bank services and mobile-money offerings such as telebirr and M-PESA. These provide different routes to transfers and merchant payments across a domestic economy. Population was about 135 million and real GDP grew 9.8% in 2025.
Population
135MGDP
$126BGDP per Capita
$932.7GDP Growth
9.8%Cash in Ethiopia
Ethiopia's cash economy has alternatives accessed on mobile phones, including telebirr and M-PESA. Birr banknotes serve everyday trade, and agent networks bridge digital balances and cash beyond bank branches and card terminals.
ATMs (PER 100K)
12.0BANKS (PER 100K)
16.8DEBIT CARDS (PER ADULT)
0.7CREDIT CARDS (PER ADULT)
0.0Payment Methods
Estimated Monthly Usage, Aurato Research, October 2026
Schemes
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Systems
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PSPs
Compliance
Regulator
National Bank of Ethiopia







