CHUMA WALLET / 2026

Wealth in every pocket.

The digital wallet built for South Africa's informal workers and the businesses that employ them.

Person using Chuma Wallet on their phone

Cash is holding you back.

The informal economy deserves better.

At risk

Cash can be stolen, lost, or burned. Your hard work deserves better.

Invisible

No bank account means no credit, no savings, no financial identity.

Left behind

Customers don't carry cash anymore. You're losing sales.

Meet Chuma Wallet.

One wallet. Three solutions. Endless possibilities.

For Workers

  • Get paid instantly by any business
  • Check balance via USSD *130*321#
  • Cash out at any Chuma agent
  • Send money home to family

For Businesses

  • Pay your entire workforce with one CSV upload
  • No cash handling, no bank runs
  • Full payroll records automatically
  • Lower cost than EFT

For Vendors

  • Accept payments with one QR code lanyard
  • Works with every major bank
  • Pay suppliers digitally
  • Build a financial history

Simple. Instant. Secure.

01

Sign up

Register with just your phone number. No paperwork, no bank account.

02

Get paid

Receive money instantly from employers, customers, or family.

03

Use your money

Pay with QR, cash out at agents, buy airtime, send home.

FOR BUSINESSES

Pay your workers in minutes, not hours.

Upload a CSV. We do the rest.

  • Upload file with phone numbers and amounts
  • Workers get paid instantly (wallet auto-created)
  • Full payment records for your books
  • Lower fees than bank transfers
  • Free for up to 10 workers/month
payroll.csv 
phone_number,amount
0821111111,500
0822222222,450
0823333333,600
0824444444,700
0825555555,550
5
Workers
R2,800
Total
2min
To pay
Vendor accepting QR payment at market stall

Chuma Wallet

You received R250 from Thabo M.

FOR VENDORS

Never lose a sale because someone has no cash.

One QR code. Every bank. Instant payment.

  • No app installation needed—customers just scan and pay
  • Instant SMS confirmation for every payment
  • No monthly fees, no hidden charges

Works with:

ABSA Capitec FNB Nedbank Standard Bank

Your money, protected.

PIN-protected

Your money is safe with you.

Garnishee protection

Wages outside banking rails, safe from predatory deductions.

Regulated

FSCA licensed, funds held in trust account.

Sending money home? We've got you.

Coming soon: send money to Zimbabwe, Malawi, Mozambique, and beyond. Fast, affordable, and reliable.

🇿🇼 Zimbabwe 🇲🇼 Malawi 🇲🇿 Mozambique + more