Money made effortless

A Faster, Safer, and Simpler Way to Move Money

Send, receive, and manage money effortlessly with JoinAI. Enjoy fast, secure payments, exclusive discounts, and rewards for family, business, and everyday life.

  • Fast transfers
  • Secure payments
  • Exclusive rewards
Get started Explore rewards
JOINAI mobile banking app in use
Payment received + $250.00
Pay bills Fast secure seamless
Harare Council
ZESA
Netflix
Discount unlocked

Why choose Joinai?

Here are the top 4 reasons why using a Joinai account will transform your financial management.

Joinai account interface preview

Simple & Intuitive

Manage your money, make payments, and stay in control — all in one clean and easy-to-use account.

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Two people connected by an instant global transfer

Instant Transfers

Send money to friends, family, or businesses around the world in seconds, any time of day.

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Average transfer fee comparison

Affordable Rates

Keep more of your money with low, transparent fees and great exchange rates.

Joinai security protection diagram

Top-Notch Security

Your money and data are protected with industry-leading security and continuous monitoring.

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More value. More for you.

Get up to 5% discounts at selected partner brands
when you pay with JoinAI.

What can you do with JoinAI?

The most useful card in Africa. Send, receive, pay and do more — all in one place.

Tap. Pay. Go further.

One card.A world ofpossibilities.

Use your JOINAI card online, in stores and across borders with confidence.

A hand holding a JoinAI black card in front of a smartphone ready for contactless payment
Online
In Stores
Abroad
Receive Money Get paid instantly from anywhere in the world. Receive Money Pay Bills Pay for airtime, data, electricity, TV and more in seconds. Pay Bills Send Money Send money instantly to friends, family or businesses, locally or internationally. Send Money Online Shopping Shop global and local brands with your JOINAI card, easily and securely. Shop Online
See more you can do
JOINAI Black Card Membership card with contactless payment symbol

More value. One membership.

The Ultimate
Membership

Enjoy member-only value across the products and services you already use. The JOINAI Black Card brings together discounts, Joina City parking, utilities, school fees and future partner benefits in one membership.

  • NFC tap
  • Zero hidden fees
  • Send money instantly
  • Utilities and school fees
Get your card now

JOINAI mobile app displayed on a smartphone

Transact fast from anywhere

Transfer & Send Money Easily with Joinai on iOS & Android. Download the app today.

Download on the App Store Get it on Google Play