Experience the ease of sending and receiving money with Mamo Pay.
No beneficiaries. No fees. No IBANs. All you need is a debit card and the Mamo Pay app.
Settle that lunch bill, pay for your yoga class, or help a friend out. With Mamo Pay you can send money to anyone within the UAE.
Link a debit card to add money to your Mamo Pay wallet. Use your money to pay other people, or withdraw it back to your bank account.
The following questions cover how to get started, registration and general information we thought you may find useful during this private beta.
While we endeavor to process withdrawals immediately, UAE banks sometimes require 1 business day to process and deposit.
You are able to connect any UAE bank by simply using your bank account's IBAN and following the instructions in the app. We are working on integrating all your favorite banks so you can safely and securely connect to them in the future more seamlessly, without manually entering the IBAN.
During our Private Beta, we will constantly tweak things and gather insights to understand what works and what doesn’t for you. This is our commitment to you. While we do this, we may occasionally restrict the number of users that can join Mamo Pay. Don’t worry, we’ll eventually open it up again and enable sending to anyone and everyone!
Mamo Pay is currently in Private Beta (testing stage). To make sure we bring you the best experience possible we are currently only testing with Android devices. Please sign-up here for early access.
Mamo Pay is an easy way to send money directly between friends and family. With just their email address or mobile phone number, you can quickly and securely send and receive money to and from people, regardless of where you bank.
Unfortunately, due restrictions imposed by banks we are unable to process withdrawals below AED 100. This is a little annoying for us too, we are working with banks to see if this can actually be resolved but for now please kindly make sure withdrawals are greater than AED 100. Please email us on firstname.lastname@example.org from the email address linked to your Mamo Pay account.
Mamo Pay wants to bring you the safest environment possible. We are currently working closely with regulators and banks to finalize our regulatory requirements. We are very excited about this and promise to keep you updated as we achieve all levels of compliance and regulatory approvals. Thank you for being part of our journey!
Transfers are instant between Mamo Pay users.
Depending on your bank it could take up to 1 business day for money to reach your Mamo Pay wallet. You will receive a notification as soon as the money is in your wallet.
Not right now. We are currently focused on developing the best experience in the UAE, and expanding to the GCC soon.
Please ensure that you are sending money to the right person. The safest way to do this is to grant Mamo Pay access to your phone contacts while sending money. If a payment has unintentionally been sent to the wrong person Mamo Pay will try its best to request the respondent to return the money, but we cannot guarantee that they will agree. Please email us on email@example.com from the email address linked to your Mamo Pay account.
Right now, you can only use the Android app. We will soon launch the Mamo Pay iPhone app and a Mamo Pay web application that you can access from your computer.
Sending money to another Mamo Pay wallet is completely free, no fees now and forever.
There are no fees on bank account transfers or withdrawals to and from your Mamo Pay wallet. It's also free to send money to other Mamo Pay users through the Mamo Pay app.
However, if you're using your debit card to add money to your Mamo Pay wallet, the first AED 1,000 is free, and then a 2.75% transaction fee applies thereafter. This will appear as "Transaction fee" in your recent activity.
It’s okay, it happens to all of us! Please email us on firstname.lastname@example.org so we can help you.
During the Private Beta registration can be done via email or Google sign-in. If you're having trouble with both of these methods please email us on email@example.com.
For now, you must have a UAE phone number to register. If you’re still having trouble please email us on firstname.lastname@example.org.
During the Private Beta users are able to register via email or using their existing Google account. Mamo Pay never sees or gets access to your Google passwords or data. Your password is never stored on our servers.
Yes, they will receive a notification message as soon as the money received.
In the first few weeks of the Private Beta, you will be able to send money to anyone who has an Android device. In the last few weeks of the Private Beta, we’ll start gathering insights on what works and what doesn’t for you. During these last few weeks, and to make sure we bring you the best experience possible we may restrict sending and receiving to folks who are registered Mamo Pay users at that time. Rest assured that once we’ve concluded the Private Beta, you will be able to use Mamo Pay to send money to anyone and everyone once again.
They will be encouraged to click the link and download the Mamo Pay app to receive the money instantly. If they don’t use Android, or they forget to click the link in 3 days, the money will be immediately refunded to your Mamo Pay wallet.
If someone sent you money via Mamo Pay then this will appear in your Mamo Pay wallet instantly, and you can track the payment in your activity. If you have received a magic link then, please click on the link and accept the payment. This will be reflected in your wallet balance and activity.
There is no hard limit. However, as this is a Private Beta, we request that you send money owed to friends and family for small items, like splitting restaurant bills, utility bills etc.
This is a feature we are looking forward to building for you in the future, for now you can check incoming and outgoing payments in your app.
Please check that you sent the money to the correct person. If in doubt, please email us on email@example.com.