Free your Money

Our fees

  • Free

  • Free

  • Free

  • Free

  • Free

  • Free

  • USD 1.00 per transaction

The money you send is the money they get

No transaction fees means that sending money to family and friends has never been this easy.

Just download the app and register and you are ready to go!

Need to send or receive money in a different currency?

Just click send.

The zeam app enables you to send and receive any of the following currencies, without the need to exchange:

Shop without leaving the app

Pay from your app at any of the following participating stores. We are adding more stores all the time, so see the app for more.

Low on data or electricity? Need to pay a bill? Zeam it!

Link your bank account

You don’t need a bank account to be a Zeamer, but if you want to top-up or withdraw into your bank account, you can do so from any of the following participating banks.

South Africa

Zimbabwe

Namibia

Malawi

Small business? Side-hustle?

No problem!

Let your customers pay you in seconds, without any fees.

The money you receive is available to spend right away.

No credit record or minimum balances required.

  • We believe that every human has the right to be in control of their own money, no exceptions. We only require your ID document or drivers license or passport, and cover most countries on the planet.

  • No, you don’t need a bank account to become a zeamer.

    All the functionality to send, spend and save will still be available to you.

  • We are glad you asked!

    We charge large retailers a small fee when you buy at their stores, which is enough to run the app.

    Note that we do charge for convenience items such as ATM withdrawals, but just enough to cover the bank’s fees, and we will always tell you before you do the transaction.

  • We offer a few options to get money into zeam:

    The easiest is to get a friend that is already on the app to send you money. You wil both need to download the app and register.

    Another method is to make an EFT payment from your bank account.

    We do not accept any cash or cheque deposits.

  • We offer free overnight bank transfers to your bank account, if you have one.

    We also offer the following cash-out transactions at a fee to cover our bank costs:

    1. Instant Money at Standard Bank ATMs (R10)

    2. Instant Money at participating retailers such as PEP, Spar, PnP and Boxer (R10)

    3. Fast payments (2 hours) to your bank account (R20)

  • We have an extensive list of participating outlets to buy groceries, food, airtime/data, electricity, fuel and clothing.

    See the app for more detail, as we are adding more stores regularly.

  • You can have an account in every currency we support, subject to local rules and government limits.

  • Yes! Just ask your emloyer to download the app, fund the account from their bank, and pay you for your hard work.

  • All the funds in zeam are held at banks in special ring-fenced accounts, which are governed by the Financial Conduct Authority of South Africa.

    Only you can make a payment from your app, so no debit orders or unexpected fees.

    Be aware of fraudsters that want to access your account. Zeam staff will never ask for your account details or One-Time-Pins. Keep your phone safe and log out of the app when you don’t use it.

  • Zeaming a friend is as easy as scanning their in-app QR code, or adding them as a beneficiary from your contact list.

  • We will be offering a range of savings products soon, and announce it in the app.

Got questions?