FAQs
  1. What is Afghan Besim mobile money (My Money)?

Afghan Besim Mobile Money Company (ABMMC) owns and operates a mobile money network in Afghanistan with the brand name “My Money” “زما پیسې”, “پولم” ,. The network consists of a fully integrated mobile money platform and supporting ecosystem including partners, agents, merchants, and service end users. ABMMC network provides a full range of mobile financial services to the public compliant with Da Afghanistan Bank (DAB) regulations and other applicable laws.

ABMMC is a fully owned subsidiary of Afghan Wireless Communication Company (AWCC), the first mobile services company in Afghanistan. To its credit, AWCC is the only operator in Afghanistan which covers all the provinces in the country with its GSM network with a primary motive of connecting Afghanistan seamlessly.

In 2011 Afghan Wireless Communication Company decided to provide mobile money services to facilitate unbanked population of Afghanistan. ABMMC obtained its business license from AISA and its mobile money services license from DAB.

  1. What is M-Wallet?

It is the personal and confidential account where your cash is stored safely for all your cash transactions (My Money Account)

  1. What is E-money?

Short for “electronic money,” is stored value held in the accounts of users, agents, and the provider of mobile money service.

  1. What is the different between My Money, M-wallet and E-Money?

My Money is the brand name of Afghan Besim-Mobile Money: is a fast, simple, convenient, secure and affordable way of cash in, cash out, transferring money, merchant payment and air time topup through using a mobile phone.

M-wallet: Is a confidential account where your cash is stored safely for all your cash transaction.

E-money: Is short form of “Electronic money” is stored value held in the accounts of users, agents and the provider of mobile money.

  1. What can I use My Money for?

My Money can be used to send and receive money, top up your AWCC number, pay your utilities bills, pay for goods and services and get your salary.

  1. Who can be My Money subscriber?

My Money service is available to all who meets customer registration requirements.

  1. What do I need to register with My Money?

All you need is to have:

  • To be at least 18 years old
  • 2 recent photos
  • (Tazkira, Passport, Driver License)
  • AWCC SIM  card  (phone number)
  1. How and where can I register withMy Money?

For My Money registration, you need to visit any My Moneyauthorized agent.

  1. How long does it take to register to My Money?

Registration process will take 5-10 minutes only.

  1. Do I need to have a Bank account for using My Money?

No, you are not required to have a bank account. It is especially for unbanked people.

  1. What are the My Money Services and products?

Customer can enjoy the following services and benefits:

  • Cash Deposit (Available Now)
  • Cash Withdrawal (Available Now)
  • Money Transfer (Available Now)
  • Airtime Top up (Available Now)
  • Merchant Payment (Available Now)
  • Salary payment (Available Now)
  • Loan Payment (Coming Soon)
  • Bill Payment (Coming Soon)
  1. How much does My Money service cost?

Registration to My Money is free. There is no charge for cash deposit and transfer money has a nominal transaction fee.

For more details please refer to commission and fee structure.

  1. What is Cash Deposit?

The process by which a customer credits his account with cash.

This is usually via an agent who takes the cash and credits the customer’s mobile money account.

  1. How do I deposit Cash intomy M-Wallet?

Registered customer can go to any authorized My Money agent and deposit cash into their M-Wallet.

  1. Will I get a receipt when I deposit Cash?

Yes, you will get a receipt for each transaction.

  1. What is Cash withdrawal?

The process by which a customer deducts cash from his mobile money account. This is usually via an agent who gives the customer cash in exchange for a transfer from the customer’s mobile money account.

  1. How do I withdraw Cash from my M-Wallet?

To withdraw cash from your M- Wallet you need to visit My Money authorized agent.

  1. Is there any charges for cash withdraw for customers?

Yes, customer will charge for cash withdraw.

For more details please refer to commission and fee structure.

  1. What is Money transfer?

You can transfer money from your M-Wallet account to every My Money registered customer’s M-wallet account using your mobile phone.

  1. Is transferring money instant?

Yes, it is. The recipient can go to My Money agent and cash out right after receive it.

  1. How can I transfer money to other registered customer?

You can transfer money using our USSD services.

For more details please refer to USSD services.

  1. Can my employer send my salary to my mobile phone using My Money service?

As long as you and your employer are registered as My Money customer. Then you and he/she both can use my money to complete salary payment.

  1. How to ensure that the money transferred has reached the recipient?

An official transaction receipt will be sent to you after each transaction. This receipt is guarantee that your money will be delivered to the provided details. Terms and conditions apply

  1. Does my family or friend get charged when they receive my transfer?

There are no charges to receive money. However, nominal charges may apply for cash out.

  1. What are the limits that I can cash-in or cash-out from my M-Wallet?

For security purpose there are limits on the amount that can be transferred per transaction and per day. For more details refer to bellow chart.

from Entity To Entity Max. Amount Per Trans No. of Trans per Day
Business Business No Limit No limit
Business Customer No Limit No limit
Customer Customer 15 000 AFN 10 Transaction
Customer Business No Limit 10 Transaction

 

  1. What is my M-Wallet Number?

Your M-Wallet number is your mobile phone number.

  1. Can I use my existing SIM forMy Money service?

Yes. You may use your existing SIM for My Money services.

  1. Do all mobile phones support My Money services?

Yes, My Money application is configured on the SIM card and it is independent of mobile phone.

  1. Can I receive, make calls and access other Services like migration from one tariff plan to the other while using My Money services?

Yes, My Money SIM card is a normal SIM card, and has the same functionality as any other SIM.

  1. Can I keep my existing phone number if I register for My Money?

Yes, you may keep your existing phone number.

  1. How do I cancel the service, if I am leaving Afghanistan? How do I get all My Money back?

Go to the nearest authorized agent to close your M-Wallet.

  1. What is the difference between My Money and Mobile Banking?

No bank account is needed to send or receive money, with My Money. All you need is, to have an AWCC SIM card and a mobile phone. But for the mobile banking you need to have bank account that you can access through mobile phone.

  1. Will I be charged for receiving money to my M-Wallet?

No, receiving money transferred into your M-Wallet is FREE.

  1. Do I need to have a minimum balance in my M-Wallet account?

No, there is no any limit for having minimum balance into your M-Wallet account.

  1. What happens if my phone/SIM is lost or stolen?

Your money is safe. Your M-Wallet account is protected by your account PIN, NFC chip and your fingerprint.

  1. What is my PIN?PIN stands for Personal Identification Number. It is a 4-digit number known only to you and it is used to authenticate your My Money transactions. You are required to remember your PIN at all times
  1. IsM-Wallet account PIN the same as my SIM card PIN?

They don’t necessarily have to be the same. The selection of M-WalletPIN is your decision you can select a PIN same as your SIM card PIN or select a different PIN.

  1. What is NFC chip?

It is a chip that helps to identify My Money customers while doing any transaction on POS terminal?

  1. What do I do if my phone/SIM is lost or stolen?

You can contact My Moneycall center on 2220 from AWCC number or from other mobile operators 93702402222 to block your account. Thereafter, once you get your SIM replace at AWCC brand shops.

  1. What happens with money in my M-wallet if I die?

According to Law it will be paid to the Nominee mentioned on My Money customer registration form.

  1. Is there any service charge to maintain my M- wallet account?

No. My Money only charges for the transactions you perform.

  1. Do all mobile phones support USSD menu forMy Money Services?

Yes, you can use My Money USSD services with every mobile phone.

  1. Can I use My Money to pay my utility bills like electricity bills or public water bills?

Not yet. This functionality will be available in the future.

  1. Can I transfer money from my bank account to myM-Wallet account?

Yes, if you have aBank Account (any bank which Afghan Besim mobile money has integrated and contracted), you can link that account to your M-Wallet account and load money into your M-Wallet account using mobile phone.

  1. Can I transfer money out of my M-Wallet account to my bank account?

Yes, if you have a Bank Account (any bank which Afghan Besim mobile money has integrated and contracted), you can link that account to your M-Wallet account and load money into your Bank account using mobile phone.

  1. Can I get overdraft facility on M-Wallet account?

No, you can’t use more money than you have available in your M-Wallet account.

  1. Is my money safe?

Yes, your money is stored safely in a special account opened for My Money in Bank.

  1. Do My MoneyServices work with SIMs from other mobile network operator .e.g. Etisalat, MTN or Roshan…?

No, you must to have an AWCC SIM card to use My Money Services.

  1. How do I keep myM-Wallet secure?

You need to keep your M-Wallet PIN secret from others. Memorize your PIN and do not carry it with your phone.  Never give away your PIN. If you have reason to believe your M-Wallet PIN has been compromised, you can change your M-Wallet PIN using USSD menu.

  1. What do I do if I forget My Money PIN Code?

You can ContactMy Money help line on (2220) short code for more assistance or visit My Money authorized Agent outlet to reset your PIN.

  1. Who do I contact for support?

You can Contact My Money help line on (2220) short code.

NFC Part

  1. What is NFC chip?

It is a chip that helps to identify My Money customers while doing any transaction on POS terminal?

  1. Do I have to pay for NFC chip?

No, it will be provided to you free while registration for first time.

  1. Is this necessary to have NFC chip?

Yes, you need your NFC chip while doing any transaction on POS terminal.

  1. What will happen if I lost my NFC chip?

You have to visit nearest authorized My Money agent and register new one.

  1. Do I have to pay for the second NFC chip?

Yes, you will pay according to going market rates for the second NFC chip.

Latest on
Mobile Money
  • Government salary payment: Ministry of Finance Islamic Republic of Afghanistan's employees are receiving their salaries via My Money.
  • Express payment: Now all AWCC customers can top-up their Airtime account through express payment machines.
  • Now you can pay your bills using My Money in Finest Locations. you can always subscribe for My Money by visiting our nearest Agent locations. or call 2220, www.facebook.com/mymoney.af. At AWCC we consider this our duty to serve Afghans and all out clients. thanks for subscribing for My Money.
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