Every day, migrants across South Africa work tirelessly to build a better life, not just for themselves, but for their families back home. From paying school fees and supporting relatives to saving for future goals, every rand earned represents hard work, hope, and sacrifice.
But there’s one challenge that often gets in the way: currency ups and downs. When the rand loses value, the money you send home can suddenly be worth less, making it harder to plan, save, and achieve your goals.
That’s why Mama Money created the Save in USD feature — a simple, secure way to protect your earnings from currency changes and make your money go further. By saving in US Dollars, you can hold onto the real value of your hard work, plan for what’s next, and send money when the time is right.
No matter where you’re from or what you’re saving for, Mama Money gives you the tools to build your financial future.
For many migrants in South Africa, every rand earned is sent with purpose; to support family, invest in a home, or build a better future. But because the rand’s value changes often, it can be difficult to know exactly how much your money will be worth when you’re ready to send it home.
This up-and-down movement, known as currency volatility, can make saving and planning a real challenge. One week, your rand stretches far; the next, it doesn’t go as far as it should. Over time, these shifts can quietly reduce the value of your hard-earned income.
That’s where saving in USD comes in. The US Dollar is one of the world’s most stable currencies, trusted across Africa and beyond. By saving in USD through Mama Money, you can protect your money from the rand’s volatility and plan confidently for long-term goals like school fees, medical needs, or home projects.
Everything happens safely in the Mama Money App — a simple, transparent platform available to anyone with a smartphone. You can load your wallet, convert to USD, and track your balance anytime, all in one place.
Let’s look at who can benefit from this smarter way to save.
For many Zimbabweans living and working in South Africa, every rand earned carries deep purpose; it’s money that builds homes, pays school fees, and supports family back home. But when the rand loses value, your hard work can lose value too, making it harder to reach your goals or keep up with rising costs in Zimbabwe. In 2025, Zimbabwe recorded an annual inflation rate of 85.7% in local currency terms (April 2025). Prices in USD remain more stable, but everyday goods in Zimbabwean dollars continue to rise quickly.
Because the US dollar is already a trusted and familiar currency in Zimbabwe, saving in USD through the Mama Money App makes perfect sense. With Save in USD, you can safely convert your earnings from rands to dollars and protect your savings from rand fluctuations. This helps you plan for big expenses like rent, tuition, or medical bills, knowing that the value of your savings will stay strong.
Your effort today can build a better tomorrow for your family. With Mama Money’s Save in USD feature, your hard work doesn’t just cross borders; it creates stability, security, and peace of mind.
For people from the Democratic Republic of Congo (DRC), saving in US Dollars isn’t new; it’s a way of life. The DRC has long operated as a dollar-based economy, which means using and trusting the dollar is already second nature. That’s why Mama Money’s Save in USD feature feels familiar, practical, and perfectly suited to your needs.
With Mama Money, you can now save and send money in USD directly from your smartphone, without needing a bank account or complicated paperwork. Everything happens safely in the Mama Money App, giving you full control over your savings. Whether you’re setting money aside for your family in Kinshasa or preparing for an emergency, your funds stay in a currency you know and trust.
Take Jean, a welder from Kinshasa working in Cape Town. Each month, he uses Save in USD to keep a small amount of money aside, ready for when his family needs it. Because he’s saving in dollars, he never has to worry about sudden changes in the rand’s value or losing money when it’s time to send it home.
The dollar connects you to home and keeps your savings strong. With Mama Money, you can continue building your future in the same trusted currency your family relies on.
For many Nigerians living and working in South Africa, managing money across two economies can be challenging. With high inflation and frequent naira devaluation, the value of your savings can change quickly, making it difficult to plan for business ventures, travel, or family support back home.
Nigeria’s inflation reached 34.6% year-on-year (November 2024), with food prices rising even faster. The naira’s depreciation made basic goods more expensive, weakening remittance value.
That’s why saving in USD is a smart choice. The US Dollar provides a stable and reliable way to preserve the value of your money, no matter what happens to local currencies. Through the Mama Money App, you can easily convert your rands into dollars, keep your savings safe, and withdraw or send them when you’re ready — all without the stress of exchange rate surprises.
Take Blessing, a student from Lagos studying in Johannesburg. Each month, she saves a small portion of her stipend in USD through Mama Money. When she travels home, she knows her money has held its value, helping her cover travel costs and support her family without worry.
Turn every small saving into a big opportunity. Whether you’re planning to start a business, invest in your family’s future, or prepare for your next trip home, Mama Money’s Save in USD feature helps you build financial security that lasts.
Save in USD isn’t just for people sending money to Zimbabwe, the DRC, or Nigeria; it’s for anyone who wants more control, freedom, and security over their finances. Whether you’re saving for the future, preparing for emergencies, or simply want a safe place to keep your money between transfers, Mama Money makes it simple and secure.
This feature is ideal for people who want:
You don’t need a bank account or complicated paperwork, just your Mama Money App and Wallet. And even if you don’t qualify for the Mama Money Card, your Wallet and USD savings give you the same flexibility and peace of mind.
With Mama Money, your hard work is always in your hands; protected, accessible, and ready when you need it.
Getting started with Save in USD is quick, simple, and 100% digital — no forms, no queues, and no complicated processes. Everything happens safely in your Mama Money App.
Here’s how it work
1. Open the Mama Money App.
Log in to your existing account on your smartphone.
2. Load money into your Wallet.
Add funds easily via EFT, bank card, or cash deposit at supported partners.
3. Tap ‘Save in USD’.
Select the ‘Save in USD’ option in your Wallet and choose the amount you want to convert from rands to dollars.
4. View or withdraw anytime.
Track your USD balance in real time, and convert back to rands or send money when you’re ready — using the daily USD↔Rand rate displayed in the app.
No paperwork. No queues. Just instant, secure saving — directly in your Mama Money App.
Investing in crypto assets may result in financial loss. Mama Crypto Value Services (Pty) Ltd is an authorised financial service provider (FSP 54238).
When it comes to your money, trust and transparency matter most — and that’s what Mama Money has built its reputation on. For years, Mama Money has been helping migrants send funds home quickly, safely, and affordably. With Save in USD, we’re taking that same commitment to security and simplicity one step further.
Every transaction is handled through a regulated and authorised financial service provider, ensuring that your money is always protected. Mama Crypto Value Services (Pty) Ltd is an authorised financial service provider (FSP 54238), which means your USD savings are managed with care, compliance, and accountability.
We also believe in fair exchange rates; what you see is what you get—no hidden costs, no confusing terms —just clear, honest value for your hard work.
At Mama Money, we understand that sending money is about more than just transfers — it’s about hope, progress, and building a better tomorrow.
We’re not just helping you send money — we’re helping you build your future.
No matter where you come from or what you’re saving for, Mama Money helps you take control of your financial journey. Whether your goal is to support family, start a business, or prepare for tomorrow, saving in USD gives you the stability and confidence to plan ahead, without worrying about exchange rate changes or lost value.
Start saving in USD today, and make every dollar count toward the life you’re building.
Download the Mama Money App . Your money. Your way. In Rands or Dollars.
To learn more about how to send money from South Africa, follow Mama Money and discover all about our international money transfer services via:
If you have any questions not covered above, please get in touch with Mama via WhatsApp: