Promoting Financial Inclusion in Malawi

Discover eKwacha - The one-stop-shop for financial services, offering the most efficient, multi-channel distribution of third-party services in Malawi.

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Access third-party services with the utmost convenience!

Pay bills, purchase airtime and Internet bundles, access banking services through our nation-wide newtwork of agents!

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About us

We are a one-stop-shop for financial services, providing agency banking, mobile money and electronic payments services to promote total financial inclusion in Malawi

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Products & Services

Over 22 branches across the country, providing agency banking, mobile money, Internet and mobile prepaid voucher re-sales and prepaid receivables

  •   Utility Bill Payment
  •   Mobile Airtime & Data Top-pup
  •   Agency Banking
  •   Mobile Money
  •   Prepaid Card Purchase
  •   Government Levies & Revenue Collection
  •   Airline and Bus Transport Booking
  •   Online Shopping & E-Commerce
  •   Event & Lottery Tickets
  •   Insurance & Investment
  •   Hotel & Leisure Booking
  •   Church & Religious Payments

Multiple Distribution Channels

e-Kwacha offers a flexible pool of distribution channels to deliver a wide range of products and services.


Real-time transactions through our web-based agent, enabling our network of agents to offer services from ANYWHERE, ANYTIME!

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A native, integrated mobile app allowing on-the-go access and provision of services using hand-held devices, ANYWHERE. ANYTIME

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Transact as an offline e-Kwacha agent and update your account at a time of your convenience! No Internet connection required!

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"We promote small businesses and present marginalized groups and women with a rare opportunity to invest their money efficiently, thereby improving their quality of life and contributing to the country's socio-economic development" - Douglas Musumbu, CEO & Founder.
Become an Agent


We offer an unprecedented set of services and here is why our clients, merchants and agents chose us and why you should do the same.

24/7 Availability

Highly-available platform allows 24/7/365 access and provision of services to clients and agents respectively.

No Installation Costs

Negligible startup and installation costs for new agents. Ease of access for clients and decreased costs in accessing services.

Increased Revenue

Multiple channels allows agents and merchants to access wider markets and increase their ROI.

Modern Platform

Modern, feature-rich platform allowing ease of deployment, use and adoption.

Secure Channels

Secure channels allowing guaranteed transactions and safety of investment.

Comprehensive Services

A wide variety of services from multiple merchants/service providers, all in one place.

Products & Services Services

  • Utility Bills
  • Government Levies & Revenue
  • Insurance & Investments
  • Church & Religions Payments
  • Prepaid and Postpaid Top-up
  • Mobile Airtime & Data Top-up
  • Online Shopping & E-Commerce
  • Airline & Bus Transport Booking
  • Hotel & Leisure Booking
  • Mobile Money
  • Event & Lottery Tickets
  • Agency Banking

  Blantyre: Aquarius House, 2nd Floor, Suite No. 16.

   +265 998 000 111



  P.O. Box 3337. Blantyre, Malawi