Orange Money: simplified, secure money transfers in Africa

In some African countries, only 10% of the people have a bank account, but 60% have a mobile phone. The mobile phone is therefore the only way for them to collect their wages, pay an invoice, save money or get a loan. We launched Orange Money in 2008 in Côte d’Ivoire to simplify money transfers. In 2016, transactions carried out amounted to nearly € 2 billion per month. A success that shows how technology, when accessible to all, improves daily life.

Mobile money, or when technology becomes progress

In Africa, the mobile penetration is inversely proportional to the rate of banking. Mobile money therefore has enormous potential because it promotes the growth of trade and consumption and, more broadly, the economic and social development of the continent.

Orange Money, a success story

Launched in 2008 in Côte d’Ivoire, Orange Money is now present in 17 countries in Africa and the Middle East under the Orange Money, Airtel Money and Smile Money brands. There is also a promising market for this in Europe, especially in Romania, where mobile phones increasingly support their users in their daily work. This success is due in particular to our ability to offer secure banking services by means of a confidential code that is required for all transactions involving transferring or withdrawing money.



  • 31 million Orange Money customers
  • 160,000 points of sale (December 2016)
  • € 14.5 billion in transactions in 2016
  • 8 million customers use it each month (December 2016)

Diversifying uses and services

Orange Money was designed to be a local transfer and payment tool in a country before international money transfers presented a real growth opportunity. We now offer this service in sub-Saharan Africa, and between France and Africa via W-HA, a Group company.

Orange Money is evolving and will be offering you more and more services. For example, in Côte d’Ivoire, Orange Collecte, a participatory financing platform through Orange Money, enables a large number of people to be mobilized within a given timeframe. In Senegal, Cash at home is a withdrawal or depositing service via the Orange Money account. An Orange Cash agent goes to your home so that you don't have to go to an Orange Money kiosk.

Finally, Orange has invested in the Jumia e-commerce group to play a major role in the rapidly growing African mobile business area. This strategic investment will enable us in particular to develop the online marketing of Orange Middle East & Africa in the 12 countries where we have a joint presence.

Expanding Orange Money with credit, savings and insurance offerings

We plan to expand international destinations and to expand the ecosystem of partnerships. This will allow you to make transfers and payments to new players (billing companies, banks, distributors, etc.). We can also develop an offer of financial services (pico credit, savings) and make Orange Money a universal online payment method by offering Orange Money APIs.

Status placed under banking regulations

Orange established five E-Money Establishments (EME) in Côte d’Ivoire, Guinea, Mali, Senegal and the Democratic Republic of the Congo in 2016. This new status places us under banking regulations with a responsibility accredited by the competent Central Bank, giving us greater autonomy and increased agility to launch new services.

We are responsible for funds deposited by customers and we ensure bank compliance through the Orange Money Compliance Center of Competence (CECOM).