Why You’ll Love Us
Why You’ll Love Us
Banking is broken, and we’re tired of it. It’s your money, it should move your way.
Discover how easy it is to join the Zeam community and participate in our entire ecosystem.
Save
Save your money on the app - no fees, no hidden costs - just your money safe and secure.
Swap
Exchange your rands for dollars in an instant on the app.
Send
Send money to anyone else, anywhere else for free on the app. Cash withdrawals carry a minimal fee.
Shop
Shop in the app or at your favourite store with no additional fees - just pay for what you buy.
Where you can use Zeam
Why We're Better
Why We're Better
Experience a better way to save, exchange, send, and receive money with Zeam’s seamless, secure, affordable solutions.
We Won’t Chow Your Money
We have zero monthly costs and our fees are low and transparent.
As Safe As A Warrior’s Shield
We take security seriously, that’s why we have bank-level encryption and fraud protection - only your hands on your money.
Always Here, Like The Mighty Baobab
We’re available day and night, no matter what you need.
Click any help button in the app and we’ll be there, or go to My Profile > Support to connect with an assistant.
What does it cost?
What does it cost?
Save, Swap, Send, Shop.
Service
Cost
Opening an account
Free
Monthly Fees
Free
Saving money on Zeam
Free
Saving currency
(ZAR, USD, Au) on Zeam
Free
Swap currencies
(ZAR ↔ USD ↔ Au)
Free
Adding a beneficiary
(payout person) on Zeam
Free
Sending money to a Zeam user
No Fee
Shop at a Zeam merchant (scan to pay)
No Fee
Buy vouchers to shop at retailers
No Fee
Buy prepaid services
(airtime, electricity, vouchers)
No Fee
Cash In & Cash Out
Topping up with cash
Starts from 1% depending on country
See full list
See full list
Topping up via bank
Starts from 1% depending on country
See full list
See full list
Withdraw cash
Country specific
See full list
See full list
Withdraw to Mobile Money account
Starts from 1.5% depending on country
See full list
See full list
What does it cost?
Save, Swap, Send, Shop.
Service
Cost
Opening an account
Free
Monthly Fees
Free
Saving money on Zeam
Free
Saving currency
(ZAR, USD, Au) on Zeam
Free
Swap currencies
(ZAR ↔ USD ↔ Au)
Free
Adding a beneficiary
(payout person) on Zeam
Free
Sending money to a Zeam user
No Fee
Shop at a Zeam merchant (scan to pay)
No Fee
Buy vouchers to shop at retailers
No Fee
Buy prepaid services
(airtime, electricity, vouchers)
No Fee
Cash In & Cash Out
Topping up with cash
Starts from 1% depending on country
See full list
Topping up via bank
Starts from 1% depending on country
See full list
Withdraw cash
Country specific
See full list
Withdraw to Mobile Money account
Starts from 1.5% depending on country
See full list
Better Than Cash
Effortlessly pay casual workers
Better Than Cash
Receiving a payment? Making a payment? With Zeam, it’s instant and effortless on the app.
No middle man, no hidden fees, no cash burning a hole in your pocket.
Request or make payments directly on the app or with auto-generated QR codes.
Receiving a payment? Making a payment? With Zeam, it’s instant and effortless on the app.
No middle man, no hidden fees, no cash burning a hole in your pocket.
Request or make payments directly on the app or with auto-generated QR codes.
Receiving a payment? Making a payment? With Zeam, it’s instant and effortless on the app.
No middle man, no hidden fees, no cash burning a hole in your pocket.
Request or make payments directly on the app or with auto-generated QR codes.
Read more
Send money home in a snap, in the app
Seamlessly send
money home
Send money home in a snap, in the app
No more waiting, no more hidden fees. Send money home whenever you want for low, transparent fees.
No more waiting, no more hidden fees. Send money home whenever you want for low, transparent fees.
No more waiting, no more hidden fees. Send money home whenever you want for low, transparent fees.
Excellent exchange rates that let you win
See fees upfront, no hidden charges
Send from here to anywhere, instantly
Read more
Shopping made simple
Shopping made simple
Shopping made simple
Get airtime and electricity directly on the app, or shop at your favourite stores using Zeam. One app for all your needs.
Get airtime and electricity directly on the app, or shop at your favourite stores using Zeam. One app for all your needs.
Get airtime and electricity directly on the app, or shop at your favourite stores using Zeam. One app for all your needs.
Read more
Frequently asked questions
Frequently asked questions
How do I submit a complaint?
How can I delete or modify my account and personal information?
Do you have an age restriction for users?
Where can I check my payout?
I haven’t received my voucher or airtime. What should I do?
How long does it take to receive vouchers or airtime?
Can I buy vouchers or airtime for someone else?
What should I do if I accidentally entered the wrong phone number?
How can I reset my Zeam PIN?
What if I don’t receive the verification SMS?
What if my new PIN doesn’t work?
How do I make sure my new PIN is secure?
How do I submit a complaint?
How can I delete or modify my account and personal information?
Do you have an age restriction for users?
Where can I check my payout?
I haven’t received my voucher or airtime. What should I do?
How long does it take to receive vouchers or airtime?
Can I buy vouchers or airtime for someone else?
What should I do if I accidentally entered the wrong phone number?
How can I reset my Zeam PIN?
What if I don’t receive the verification SMS?
What if my new PIN doesn’t work?
How do I make sure my new PIN is secure?
How do I submit a complaint?
How can I delete or modify my account and personal information?
Do you have an age restriction for users?
Where can I check my payout?
I haven’t received my voucher or airtime. What should I do?
How long does it take to receive vouchers or airtime?
Can I buy vouchers or airtime for someone else?
What should I do if I accidentally entered the wrong phone number?
How can I reset my Zeam PIN?
What if I don’t receive the verification SMS?
What if my new PIN doesn’t work?
How do I make sure my new PIN is secure?
How do I submit a complaint?
How can I delete or modify my account and personal information?
Do you have an age restriction for users?
Where can I check my payout?
I haven’t received my voucher or airtime. What should I do?
How long does it take to receive vouchers or airtime?
Can I buy vouchers or airtime for someone else?
What should I do if I accidentally entered the wrong phone number?
How can I reset my Zeam PIN?
What if I don’t receive the verification SMS?
What if my new PIN doesn’t work?
How do I make sure my new PIN is secure?
Still need help? Chat to our support desk:
Chat to support
© 2025 Zeam®. All rights reserved.
Zeam SA (Pty) Ltd is a juristic representative of Paytec Services (Pty) Ltd. Paytec Services is Financial Service Provider rendering services in respect of crypto assets (CASP) (Read Crypto Public Disclosure), subject to the Financial Advisory and Intermediary Services Act of South Africa (FAIS) and is subject to regulatory oversight by the Financial Sector Conduct Authority of South Africa (FSCA). Paytec Services has been assigned an FSP number (53737) pending the final determination of its CASP application. In the interim, Paytec Services continues to conduct its business lawfully as a CASP in accordance with the FSCA’s Exemption Regime. Paytec is an Accountable Institution registered with the Financial Intelligence Centre (ORG 65501).
© 2025 Zeam®. All rights reserved.
Zeam SA (Pty) Ltd is a juristic representative of Paytec Services (Pty) Ltd. Paytec Services is Financial Service Provider rendering services in respect of crypto assets (CASP) (Read Crypto Public Disclosure), subject to the Financial Advisory and Intermediary Services Act of South Africa (FAIS) and is subject to regulatory oversight by the Financial Sector Conduct Authority of South Africa (FSCA). Paytec Services has been assigned an FSP number (53737) pending the final determination of its CASP application. In the interim, Paytec Services continues to conduct its business lawfully as a CASP in accordance with the FSCA’s Exemption Regime. Paytec is an Accountable Institution registered with the Financial Intelligence Centre (ORG 65501).
Zeam SA (Pty) Ltd is a juristic representative of Paytec Services (Pty) Ltd. Paytec Services is Financial Service Provider rendering services in respect of crypto assets (CASP) (Read Crypto Public Disclosure), subject to the Financial Advisory and Intermediary Services Act of South Africa (FAIS) and is subject to regulatory oversight by the Financial Sector Conduct Authority of South Africa (FSCA). Paytec Services has been assigned an FSP number (53737) pending the final determination of its CASP application. In the interim, Paytec Services continues to conduct its business lawfully as a CASP in accordance with the FSCA’s Exemption Regime. Paytec is an Accountable Institution registered with the Financial Intelligence Centre (ORG 65501).
© 2024 Zeam. All rights reserved.