Send to anyone
Another ThumaPay wallet, a mobile money number, or a bank account. Wallet to wallet is instant and carries no fee.
For individuals
A wallet that shows its working.
Hold money, send it, spend it and take it out as cash — and see exactly what each of those costs before you commit. Built for everyday use in Zimbabwe, including the statutory taxes most services bury in a total.
Free wallet-to-wallet transfers
PIN and biometric protection
Works with mobile money
Fee preview — illustrative
Nothing hidden
USD $
Recipient receives$50.00
ThumaPay fee$0.60
IMTT (2%, statutory)$1.00
Total charged to you$51.60
Illustrative rates for demonstration. The app shows the exact figures for your transfer before you confirm, and the Intermediated Money Transfer Tax is always itemised separately from our fee.
Day to day
What you can do with a balance
Cash in, cash out
Top up or withdraw at any Thuma Hub. Bring the code from the app; the agent cannot alter the amount or the fee.
Bills and airtime
Pay recurring bills from the same balance, and see the charge itemised the same way as any other payment.
Scheduled sends
Set a transfer to repeat — school fees, rent, family support — and get the cost preview each time before it runs.
Lock it down
Freeze the wallet from your phone if you lose it. Balances stay safe and pending instructions stop.
A real statement
Export an itemised history for any period. Each line shows the amount, our fee and any tax, exactly as approved.
Getting started
What you need to open a wallet
Because ThumaPay is regulated, we have to know who holds each account. Verification is quick, but it is not optional.
01
A phone number
Your number is your account identifier. You will confirm it with a one-time code.
02
Proof of identity
A national ID or passport. We check it against the details you enter before the wallet can transact.
03
A selfie check
A short liveness check ties the document to you, which is what stops someone else opening an account in your name.
04
Set a PIN
Choose a PIN and, if your phone supports it, turn on biometrics. You will need one of them for every payment.
Where we stand
Regulatory status
Reserve Bank of Zimbabwe
Payment Service Provider (PSP)
National Payment Systems Act [Chapter 24:23]
Reserve Bank of Zimbabwe
Electronic Money Issuer (EMI)
National Payment Systems Act [Chapter 24:23]
Reserve Bank of Zimbabwe
Microfinance licence
Microfinance Act [Chapter 24:29]
IPEC
Insurance agent registration
Insurance Act [Chapter 24:07]
Reserve Bank of Zimbabwe
Deposit-Taking Microfinance (DTMFI)
Microfinance Act [Chapter 24:29]
ThumaPay Zimbabwe (Pvt) Limited does not currently hold customer funds and does not offer regulated financial services. Each service described on this site will be made available only after the relevant authorisation has been granted. Licence references will be published here as they are issued.
Common questions
Before you open an account
No. There is no monthly charge and no dormancy fee. You are charged only when you move money, and the amount is shown before you confirm.
The Intermediated Money Transfer Tax is a statutory charge collected on behalf of the authorities. We show it on its own line rather than folding it into our fee, so you can see what is ours and what is not.
Contact support immediately. If the funds have not been claimed we can often stop them. Once a recipient has taken the money, recovery depends on their cooperation, which is why the app asks you to confirm the name before sending.
Customer balances are safeguarded and held separately from company funds, as required for a licensed payment service. They are not used to run the business.
Yes. It works as a standalone wallet. Using it alongside Thuma Express, ThumaRide or ThumaCredit simply means everything settles to one balance.
Ready when you are
Open a wallet in a few minutes, and never be surprised by a fee again.