TNM Mpamba is Malawi's mobile-money service from TNM, connecting phone-based funds with transfers and digital payments. Agents provide cash access and liquidity, while bank connections and merchant acceptance let users move between a wallet balance, everyday spending and cash.
Estimated Monthly Usage, Aurato Research, November 2026
Capabilities
Stored value and cash can fund merchant purchases. Agent deposits and withdrawals link the wallet to physical money, while bank connections extend access; detailed refund, authentication and unattended-debit support remain unconfirmed.




