Amana Transfert d'Argent

What Amana Transfert d'Argent does

Amana Transfert d'Argent et Finance S.A. is a privately held Niger-based fintech founded around 2021 and headquartered in Niamey, operating a mobile-first money transfer and digital payments platform targeted at the largely underbanked population of Niger and cross-border corridors to ten other African countries (Mali, Burkina-Faso, Benin, Côte d'Ivoire, Togo, Senegal, Ghana, Nigeria, Libya, and Chad). The core product is the AmanaTa mobile application, distributed on Android (Google Play) and iOS (TestFlight), which supports domestic and regional money transfers, utility bill payments (NIGELEC electricity, NDE water), school fees, municipal/taxi/faba-faba taxes, mobile credit purchases for all four Niger telcos (Airtel, Zamani, Moov, Niger Télécoms), and — more recently — a virtual Visa card and a Bank2Wallet integration with Bank of Africa Niger. The company also operates a physical agency network across Niger, providing cash-in/cash-out access with extended hours (to 23:30, seven days a week), and the app is offered in French, English, and Arabic.

Underlying technology is mobile-first with two notable architectural choices. First, AmanaTa ships an offline transaction mode ("Mode Sans Internet") that uses USSD-like signaling over Airtel SIM to perform balance inquiries, airtime purchases, and account-to-account transfers without internet connectivity — positioned by the company as a first in Niger. Second, the platform integrates directly with the BCEAO-certified payments perimeter and with Visa's virtual card rails for online commerce. There is no disclosed use of AI/ML, proprietary models, or data flywheel mechanics; differentiation rests on distribution footprint, BCEAO certification, first-mover product launches, and bank/card-network partnerships rather than algorithmic capability.

The business model is entirely transaction-fee based: per-transaction commissions on transfers, bill payments, airtime sales, and virtual card usage. No pricing schedule, subscription tiers, or take rates are publicly disclosed. The company is led by Director General Mohamed Attaib Kalifa, holds BCEAO certification, and reports no institutional investors, parent company, subsidiaries, or disclosed funding rounds — it appears to be founder/management-controlled and self-funded or debt-funded. Operating status is active, with three major product launches and two flagship partnerships executed between February 2025 and May 2026.

Name

Amana Transfert d'Argent

Legal name

Amana Transfert d'Argent et Finance S.A.

Website

https://amana-transfert.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

51–100 employees

Short description

Amana Transfert d'Argent et Finance S.A. is a Niger-based fintech offering mobile money transfers, bill payments, mobile credit, and a virtual Visa card through its AmanaTa app and a physical agency network across Niger and ten other African countries.

Ownership category

akta.pro rank

Product category

Mobile Money and Money Transfer Services

akta.pro industry

PRIMARYFSAMAIAF

Cross-Border A2A & Bank Transfer Networks

Financial & Insurance/Payments & Transaction Processing/Cross-Border Payments & Remittances

SECONDARYFSAMAIAG

Multi-Currency Accounts, Wallets & IBAN Services

Financial & Insurance/Payments & Transaction Processing/Cross-Border Payments & Remittances

SECONDARYFSAGAKAM

International Bill Pay & Cross-Border Airtime/Top-Up

Financial & Insurance/Financial Technology (Fintech)/Remittance & Cross-Border Money Movement

SECONDARYFSAGAKAE

Cross-Border Card-Based Transfers & Multi-Currency Cards

Financial & Insurance/Financial Technology (Fintech)/Remittance & Cross-Border Money Movement

SECONDARYBPAMAFAK

Cross-Border & FX Payments Platforms

Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms

Keywords

• Money transfer services
• Mobile money
• Digital payments
• Bill payment services
• Financial inclusion

Headquarters

HQ city

Niamey

HQ country

Niger

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Money Transfer Services: Fees charged for domestic and cross-border money transfers within Niger and to West African countries including Mali, Burkina-Faso, Benin, Côte d'Ivoire, Togo, Senegal, Ghana, Nigeria, Libya, and Chad.
2. Bill Payment Services: Commission earned from processing bill payments for utilities (NIGELEC, NDE), school fees, municipal taxes, taxi taxes, and faba-faba taxes.
3. Mobile Credit Sales: Revenue from selling telephone credit for all Niger telecom operators including Airtel, Zamani, Moov, and Niger Télécoms.
4. Virtual Visa Card Services: Transaction fees and interchange revenue from virtual Visa card payments processed through the AmanaTa application for online purchases and subscriptions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Amana Transfert d'Argent provides domestic and cross-border money transfer services across Niger and ten West/Central African countries, accessible through a network of physical agencies and the AmanaTa mobile application. The platform enables users to send and receive funds, pay utility bills (NIGELEC, NDE), school fees, and municipal taxes, purchase mobile credit for all Niger telecom operators, and conduct online payments via a virtual Visa card. The company serves as a financial inclusion enabler for unbanked and underbanked populations, combining traditional agency-based services with mobile-first digital access.

Product overview

Amana Transfert d'Argent operates as a financial services company offering money transfer and digital payment solutions in Niger and the West African sub-region. The core product is the AmanaTa mobile application, which serves as a unified platform for money transfers, bill payments (NIGELEC, NDE, school fees, municipal taxes), phone credit purchases (Airtel, Moov, Niger Télécoms), and cash withdrawals. The AmanaTa app is complemented by the Virtual VISA Card AmanaTa (a partnership with Visa) for online payments, and the Bank2Wallet BOA-AMANA service for bank-to-wallet transfers from Bank of Africa Niger. The company operates through physical agency locations alongside its digital platform, targeting both banked and unbanked populations for financial inclusion.

Differentiator

Problem solved

Functional benefit

Brands

• AmanaTa: Mobile application for money transfers, bill payments, phone credit purchases, and digital financial services. Also offers virtual Visa card functionality.

Products and services

• AmanaTa Mobile Application Mobile application for money transfers, bill payments, phone credit purchases, and financial services across Niger and West Africa. Supports French, English, and Arabic languages and includes offline transaction capability. Available on Android (Google Play Store) and iOS (TestFlight).
• Money Transfer Service

Quantifiable outcome

• Millions of money transfers facilitated

Named customers2 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core and flagship.

• Bank of Africa Niger (BOA-Niger)coreStrategic or Co-development Partner · 6 February 2025Launched the Bank2Wallet service enabling BOA account holders to transfer funds from their bank accounts directly to AmanaTa wallets via the MyBOA application. This partnership bridges traditional banking with mobile money, expanding access to digital financial services and enhancing inclusion for populations previously dependent solely on bank branches.
• Visa Inc.flagshipStrategic or Co-development Partner · 15 May 2024Amana Transfert partnered with Visa to launch the first virtual Visa card in Niger, integrated within the AmanaTa mobile application. This partnership enables millions of users to access online payment capabilities for local and international e-commerce. The collaboration positions Amana as a pioneer in digital payments and accelerates financial inclusion in Niger.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Orange Money: Mobile money service from Orange operating across many WAEMU countries including Niger, Mali, Côte d'Ivoire, and Senegal. Competes directly with Amana on domestic and cross-border transfers via telco-bundled distribution.
• Wave: Mobile money operator offering P2P transfers, bill pay, and merchant payments across Senegal, Côte d'Ivoire, Mali, Burkina Faso, and Uganda. Directly comparable to Amana's transfer + wallet + bill payment stack for unbanked Francophone West African consumers.
• Airtel Money: Mobile money service from Airtel Africa active across Niger and the wider region. Directly comparable given Amana's reliance on Airtel SIM integration for its offline transaction mode, and competes for the same Niger-based unbanked customer base.
• Wari: Senegal-based money transfer and digital services platform with strong West African agent networks. Comparable as a Francophone regional money-transfer peer targeting the same diaspora and SME corridors as Amana.

Broad incumbents

• MTN MoMo: Pan-African mobile money platform from MTN covering 16+ markets with a much larger agent network and capital base. Comparable as a broad incumbent offering overlapping P2P transfers, bill pay, and merchant payments across West and Central Africa.
• Ecobank Mobile App: Pan-African banking group with mobile money and account-to-wallet services across WAEMU. Comparable to Amana's Bank2Wallet service with BOA, offering a banking-anchored alternative for cross-border transfers and bill pay.
• Remitly: Digital remittance platform with strong African receiving corridors. Comparable as a well-capitalised digital remittance incumbent that competes for the same diaspora-to-Africa transfer flows that drive a portion of Amana's transaction volume.
• WorldRemit: Global digital cross-border remittance platform serving African corridors including Senegal, Mali, and Nigeria. Comparable as a digital-first competitor for cross-border money transfer use cases that Amana also targets from the Niger side.

Emerging players

• Sendwave: Mobile-first remittance app focused on African corridors, owned by WorldRemit/Zepz. Comparable as a digital-first, mobile-wallet-based competitor targeting the same diaspora-to-West-Africa transfer segment.

Regional players

• Moov Money (Moov Africa): Mobile money service from Moov Africa operating across multiple WAEMU and CEMAC markets. Competes with Amana on airtime top-ups, transfers, and bill pay through telco-bundled distribution in overlapping Francophone markets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/AmanaTransfert
• Facebookfacebook.com/AmanaTransfert
• LinkedInlinkedin.com/company/amana-transfert-d-argent
• Instagraminstagram.com/amana_transfert

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Amana Transfert d'Argent