Free
Money transfer
Send money to your loved ones anywhere in Djibouti, even if they don’t have a D-Money account.
Digital Mobile Money designed by Djibouti Telecom
D-Money, the electronic wallet that lets all its customers carry out a wide range of financial transactions.
With D-Money, send money to your loved ones, pay for purchases and bills, and top up airtime, right from your phone.
Statistics
D-Money in numbers.
400K+
customers
2.5K+
agents
5.5K
merchants
6
partner banks
1
airtime advance service: AMANA
Figures provided by D-Money in October 2026.
Why D-Money
Everyday life, made simpler.
Paying, sending, topping up: D-Money makes everyday tasks simpler, faster and safer.
Accessible
All you need is a phone, with or without internet thanks to *111#.
Fast
Your transactions take just a few taps, with no travelling or queuing.
Reliable
A platform hosted on Djibouti Telecom’s secure network.
Convenient
Available 24/7, wherever you are.
Versatile
Transfers, payments, bills, top-up and banks, in a single app.
Easy
A clear app, designed so that everyone can use it.
Services
All your money in a single app.
D-Money brings your everyday transactions together in one easy-to-use app.
- Learn more: Money transfer
- Learn more: Cash depositFree
Cash deposit
Deposit money into your account at Djibouti Telecom branches, agents and distributors.
- Learn more: Cash withdrawalFree
Cash withdrawal
Withdraw your money in cash at Djibouti Telecom branches, agents and distributors.
- Learn more: Merchant paymentFree
Merchant payment
Pay for your purchases with your phone, without cash and without fees.
- Learn more: Airtime top-up100% voice bonus
Airtime top-up
Top up your airtime or a loved one’s, 24/7, and enjoy the voice bonus.
Bill payment
Pay your bills from your phone, without travelling or waiting in line.
Learn more: Bill paymentAccepted bills
- Djibouti Telecom
- ONEAD
- EDD
- University of Djibouti
- Tax payment
- B2W · W2B
Bank interconnection
Transfer money from your bank to your D-Money account, and back.
Learn more: Bank interconnectionPartner banks
- BOA - Mer Rouge
- BCIMR
- Saba African Bank
- East Africa Bank (EAB)
- CAC Bank
- EXIM Bank
Online payment
Accept D-Money payments on your website or app with our payment API.
Learn more: Online paymentConnected services
- CNSS
- EDR
- KULAN
- LIMO
- E-SIM
- AsalEcosystem
How it works
Getting started with D-Money.
Three steps to manage your money from your phone.
- 1
Download the app
Install the D-Money app from Google Play or the App Store.
- 2
Open your account
Go to a D-Money point of sale with your ID (national ID card or passport) and fill in the form. Your account is activated by SMS within 24 hours.
- 3
Use D-Money every day
Send money, pay and top up, whenever you want.
FAQ
Frequently asked questions.
Answers to the most common questions about D-Money.
What is D-Money?
D-Money is the mobile money service by Djibouti Telecom. It lets you manage your money from your phone: transfers, deposits, cash withdrawals at an agent, merchant payments, airtime top-up, bill payment, transfers with partner banks and online payment.
See all servicesHow do I open a D-Money account?
Signing up is free and takes place at our D-Money points of sale. Bring an ID (national ID card or passport) and fill in the form provided by the D-Money branch.
Do I need an internet connection to use D-Money?
No. Dial *111# from your phone: the USSD service lets you send money, top up airtime, pay your bills or make a donation, without an internet connection.
See all servicesDo I have to pay to open or keep a D-Money account?
No. Opening an account is free and there are no account fees. The USSD code *111# and the D-Money app (Google Play and App Store) are free. Deposits, cash withdrawals at an agent, money transfers and merchant payments are free too.
What if my phone or SIM card is lost or stolen?
Don’t panic: nobody can access your account without your PIN, and the app logs out automatically. Call customer service on 2525 immediately to suspend your account, then get your SIM card replaced through the usual process. Your PIN remains valid and you get your account balance back.
How do I contact customer service?
Call the hotline on 2525 or message us on WhatsApp at 77 18 86 86 (Saturday to Thursday 8 am to 8 pm, Friday 2 pm to 8 pm), or email contact@d-money.dj. You can also visit the D-Money main branch (Damal Complexe, Route de la Siesta, Boulaos) or any Djibouti Telecom branch.
Contact usReady to make everyday life simpler?
Download D-Money and manage your money from your phone.