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M-Pesa, e-Mola and mKesh give Mozambique distinct mobile-money networks alongside banks. Wallets and agents connect transfers, cash access and merchant payments in the metical economy, serving roughly 35.6 million residents in 2025 with GDP per capita of approximately US$630.
Population
36MGDP
$22BGDP per Capita
$626.9GDP Growth
-0.5%Cash in Mozambique
Mozambique's wallets connect metical cash with digital transfers through agents. Card payments are more widely available in Maputo than elsewhere, so wallet growth does not remove the importance of banknotes or local cash-out access.
ATMs (PER 100K)
7.0BANKS (PER 100K)
3.4DEBIT CARDS (PER ADULT)
0.2CREDIT 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
Bank of Mozambique






