Every day, people across South Africa send money home to help family and friends in Eswatini—whether it’s for groceries, school fees, or simply to show they care. But traditional ways of sending money can be stressful and expensive. Long queues, high fees, and delays mean your support doesn’t always reach your loved ones when it’s needed most.
That’s why Mama Money has partnered with MTN MoMo—to make it faster, safer, and easier to send money directly to mobile wallets in Eswatini. No queues, no paperwork, and your recipient can even withdraw at an ATM.
Send money to Eswatini with Mama Money — it’s simple, secure, and up to 50% cheaper than many other options.
With Mama Money, you can send money to citizens of Eswatini who are active MTN customers. To receive money, your recipient must have an MTN MoMo mobile wallet and be FICA-verified by MTN.
MoMo wallets are used all over Eswatini—even in smaller towns and rural areas like Nhlangano, Siteki, and Piggs Peak. That means your loved ones can receive money easily, without needing to travel far or queue at a bank.
It’s local, reliable, and ready when they are.
MTN MoMo is a mobile money wallet that allows people in Eswatini to store, send, and receive money directly on their MTN mobile phone—no bank account is needed.
When you send money with Mama Money, your recipient gets the funds instantly in their MoMo wallet. They’ll receive an SMS confirmation as soon as the money arrives.
From there, they can:
It’s fast, secure, and works even in rural areas, giving your loved ones more freedom and fewer delays.
With MTN MoMo, your loved ones don’t need a bank card to access their money.
Here’s how it works:
Once you’ve sent money to their MTN MoMo wallet using Mama Money, your recipient will receive an SMS with a special token code. This code allows them to withdraw cash at any FNB-supported ATM across Eswatini—quickly, safely, and without the need for a bank account or card.
What they’ll need:
It’s that simple. Whether they’re in Mbabane, Nhlangano, Siteki, or Piggs Peak, most towns have a nearby ATM that supports MoMo withdrawals.
🔗 How to withdraw from an ATM with MTN MoMo
No long queues. No paperwork. Just easy access to the money they need, when they need it.
Supporting loved ones in Eswatini shouldn’t be stressful or expensive — and with Mama Money, it isn’t.
Here’s why more South Africans trust Mama for their cross-border transfers:
Low, transparent fees
Our fees start from just R29 and are capped at 5% or less.
For example:
Daily and monthly sending limits that work for you
Fast delivery
Transfers to MTN MoMo are typically completed within minutes, making them ideal for urgent needs.
No queues, no paperwork
Your recipient doesn’t need to travel far or fill out forms. With MoMo, everything happens right from their mobile phone.
Safe, secure, and fully regulated
Mama Money is licensed and trusted across South Africa, with a friendly support team ready to assist via WhatsApp or phone.
Ready to start?
👉 Send money to Eswatini with Mama Money
Sending money to your loved ones in Eswatini is quick and easy with Mama Money. Just follow these simple steps:
1. Download the Mama Money App
Available for free on the Google Play Store and Apple App Store.
2. Register and Upload Your ID or Passport
You can use a South African ID, passport, asylum, or refugee document. Add a selfie to complete your verification.
3. Select Eswatini and Enter the Recipient’s MTN MoMo Number
Make sure your recipient is a FICA-verified MTN MoMo customer.
4. Enter the Amount and Confirm the Transfer
You’ll see the fees upfront — no hidden costs.
5. Pay for Your Order
Choose your preferred payment method:
EFT or online banking
Cash at retailers like Pick n Pay, Shoprite, Spar, Makro, Game, Flash stores, and more.
6. Receive Confirmation
Both you and your recipient will get an SMS confirming the successful transfer.
That’s it — your loved one can now access the funds instantly via their mobile wallet or at an FNB ATM.
Paying for your transfer is quick, simple, and flexible — just like it should be.
Prefer online?
Use EFT or online banking to pay directly from your account — perfect if you’re sending from your phone or laptop.
Prefer cash?
Pay in person at trusted national retailers like:
Once you create your order, you’ll receive an SMS with your payment reference number. Just show this number at the till to complete your payment.
Whether you’re paying online or in cash, Mama Money makes it easy to send support your way.
How long does it take to send money to Eswatini?
Most transfers are completed within minutes after payment is made.
Do recipients need a bank account?
No bank account needed. They just need a verified MTN MoMo wallet.
Where can they withdraw the money?
Recipients can withdraw at any FNB ATM in Eswatini — no bank card required.
Sending money to Swaziland doesn’t have to mean long queues, high costs, or confusing processes. With Mama Money and MTN MoMo, your loved ones get their cash faster, with less hassle, even from an ATM, without needing a bank card.
It’s secure, regulated, and up to 50% cheaper than other methods.
When your support matters most, Mama Money helps you send it with simplicity and dignity.
Download the Mama Money App and start sending to Eswatini quickly, safely, and affordably.
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: