To start a transaction the business you are paying will present you with a QR code on their screen which you then scan using the Makeba Money app on your own phone.

Next confirm that the amount to be charged is correct and approve the transaction with your personal code or using Touch ID/Face ID.

The transaction completes in seconds!

To transfer or request money, open the Makeba Money app on your phone and choose "message" on the home screen. Then select from your contacts who you want to transact with. Next enter the transaction amount and choose if you want to send or request money.

Approve the transaction with your personal code or biometrics and you're done.

The money arrives in seconds!

To withdraw cash from your Makeba account you first need to verify your identity in person. To do this please visit a BAI CV bank or a Casa do Cidadão office with your government issued ID document and your phone. We require this step to prevent fraud and keep everyone in the Makeba network safe.

List of locations for verifying your identity.

Once you are approved for cash transactions, open the Makeba app and select "Cash" from the menu. Choose Withdraw or Deposit and then enter the amount. Next, show the QR code on your screen to the cashpoint operator, along with your photo ID. To finish, confirm the transaction from your phone with your personal code or biometrics and you're done!

Cash Deposits are free of charge. Cash Withdrawals have a small fee - learn more here. All fees are displayed for you to review and approve before transactions are processed.

To buy Airtime, open the Makeba app and select "Airtime" from the menu. Choose if you want to buy airtime for yourself or for someone else, then enter an amount and select the mobile operator. Finally, confirm that the amount is correct on your screen, then approve the transaction with your personal code or biometrics on your phone. And you're done!