A better way to

Send and receive money

Fund your Joinai account through supported banks or EcoCash, then send and receive money effortlessly.

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Choose how you send

Easy ways to send money with Joinai

Send money with the Joinai app

Send from your phone anytime, anywhere. Check rates, manage recipients, and complete your transfer in minutes.

Get the app

Send money online

Sign in from your browser to fund your account, manage recipients, and send money securely.

Send money online

Send money in person

Visit a Joinai agent to fund your account or send money with face-to-face assistance.

Find a location

How to send money with Joinai

  1. Create a Joinai account

    Sign in or register and get a card for free.

  2. Download the Joinai app

    Install the app and log in to your account.

  3. Fund your wallet

    Use a supported bank, EcoCash, or visit a Joinai agent at Joina City.

  4. Add a recipient or beneficiary

    Enter their phone number and send money from anywhere.

Send money
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Send money on our website

Sign Up Your Account

Become a registered user first, then log into your account and enter your card or bank details.

Select Your Recipient

Enter your recipient's email address, then add an amount with currency to send securely.

Send Money

After sending money, the recipient will be notified via email when the money has been transferred.

Choose how you receive

Easy ways to receive money with Joinai

Tap and Go

Have the sender tap their Joinai card against the back of your NFC-enabled phone to receive money.

Mobile Wallet

Receive funds straight into your Joinai wallet for immediate access.

QR Code

Let the sender scan your Joinai QR code and receive money directly into your wallet.

Cash Pickup

Receive your transfer in cash from a supported Joinai agent.

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Get started

Why choose Joinai

Joinai mobile banking app in use

Everything in one place

Send, receive, pay bills, and manage your money from one simple Joinai account.

Fast, effortless transactions

Move money quickly to family, friends, or businesses without unnecessary steps or delays.

Secure at every step

Biometric access and built-in account protection help keep your money and personal information secure.

More value for you

Enjoy member benefits, exclusive discounts, and rewards when you transact with Joinai.

Get the app

Find Our Agents

Locate the nearest agent to deposit, send, receive, or withdraw money with ease.

Find agents near you
Easily locate nearby agents for your transactions.
Deposit and withdraw cash
Securely manage your cash deposits and withdrawals.
Send and receive money
Transfer funds instantly with ease.
Access ATMs for easy withdrawals
Withdraw cash at ATMs conveniently.
Fast and secure transactions
Enjoy quick and reliable financial services.
24/7 customer support
We're here to help anytime, anywhere.

Your money, always within reach

Download the Joinai app to send, receive, pay, and manage your money wherever life takes you.

Download on the App Store Get it on Google Play