Sending money to Zimbabwe takes a few minutes. The hard part often comes after that: your family gets to the counter and the bank has run out of cash. That is the problem Mama Money's payout network solves.
Your family can collect cash at more than 16,000 payout points across Zimbabwe, from big banks to the corner store. One Cashout Token works at all of them. If one place has no cash, they walk to the next and use the same Token. Here is how it works.
Mama Money's payout network covers cities, towns and rural areas. Your family can pick the place that suits them best.
| Where | Partners | Best for |
|---|---|---|
| 🏦 Banks | BancABC, CABS, Steward Bank, NMB Bank, ZB Bank, POSB, NBS Bank, AFC Commercial Bank, Access Forex, Quest Financial Services | Larger amounts |
| 🛒 Stores | OK, TM Pick n Pay, Spar, Zimpost, Profeeds, Chicken Inn, Edgars, Bon Marché, Gain, Nando's, Texas Chicken, Total | Collecting close to home |
| 📱 Mobile wallets | EcoCash, InnBucks, O'mari | Small amounts and spending on the phone |
Find the nearest partner on the Zimbabwe payout network map or in the Mama Money App.
Big partners like OK, TM Pick n Pay, Spar, Zimpost and the major banks have branches in Harare, Bulawayo and towns across the country. In smaller towns and rural areas, EcoCash agents are often the closest option. The map shows partners near any address your family enters.
When you send money for cash pick-up, your recipient gets a Cashout Token. It is a unique code that unlocks their money at any partner in the network. They do not have to collect where you expected them to.
Send on the Mama Money App or on WhatsApp and choose cash pick-up. You both get an SMS when the money is ready.
The Cashout Token arrives on their phone by SMS. They keep it private, like a PIN.
A bank, a store or a mobile wallet. Every partner in the network accepts the same Token.
At the counter, your recipient gives the Token and shows their ID. They collect their cash in US dollars.
Want more detail on the Token itself? Read how Mama's Cashout Token makes collecting simpler.
It happens, especially on busy days at month end. With the Token, it is a short walk, not a wasted trip. Your recipient goes to the next partner and uses the same Token. No new code. No call to support. No starting over.
Each type of partner has its strengths. Use this as a quick guide.
| If your recipient... | Try this |
|---|---|
| Is collecting a larger amount | A bank such as BancABC, CABS or Steward Bank |
| Needs cash after banks close | InnBucks at Chicken Inn, or an EcoCash agent |
| Lives in a small town or rural area | The nearest EcoCash agent or partner store |
| Wants to spend the money on the phone | EcoCash, InnBucks or O'mari wallet |
| Is out shopping anyway | OK, TM Pick n Pay, Spar or Gain |
EcoCash agents reach places where banks do not. That makes EcoCash a good fit for smaller amounts and for families outside the big towns. Your recipient can move a Cashout Token into their EcoCash wallet, then spend it on the phone or cash out at an agent. Mama Money covers the EcoCash cash-out fee, so they get the full amount.
You can also skip the Token and send straight to an EcoCash wallet. For the steps, fees and USSD codes, read our full guide to sending money to EcoCash in Zimbabwe.
Prefer EcoCash?
Money lands on their phone in minutes, ready to spend or cash out.
Read the EcoCash guideOne Token. More than 16,000 places to collect. Cash in US dollars, close to home. Send today and let your family choose where they collect. Mama makes it happen.