ZAAD Services. The convenient way to send and receive money.
Simplify your financial transactions, making them more accessible and hassle-free.
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benefits
Do your financial transaction save and simple
Highly secure
Accessibility
Saves time
Core Services
Your One-Stop Financial Solution
Send and receive money
It's a convenient way to transfer funds anywhere, anytime. You can send and receive money instantly and securely.
How to
Merchant Payment
a convenient and secure way to accept payments from customers. Seamlessly integrate our merchant payment solution into your business operations to offer customers a hassle-free payment experience.
How to
Airtime &
Data Top-up
Top up your voice and data balance directly from your ZAAD account
How to
Cash in & Cash out
You can deposit money into your mobile money account or withdraw cash from it at any authorized agent.
How to
Accounts
ZAAD Accounts
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ZAAD Merchant
For businesses to facilitate transactions and manage their finances efficiently.
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Institution Account
For larger institutions to streamline their financial operations.
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Contribution Account
For groups to manage shared funds.
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ZAAD Money Exchange
Our USSD-based service streamlines currency conversion between dollars and shillings
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ZAAD FOR BUSINESS
Elevate Your Business with Comprehensive Financial Solutions
Corporate Accounts
Whether you're an individual, business owner, institution, or a contributor to a greater cause, ZAAD has tailored accounts to meet your unique financial needs.
ZAAD Mobile Banking
Powered by ZAAD, KAAFI is your all-in-one banking solution. It offers Telesom subscribers easy access to their bank accounts through ZAAD mobile money services.
ZAAD e-Billing
Streamline your invoicing and billing processes, eliminating the need for paper-based invoicing.
ZAAD Payroll
Our payroll management solution is designed for businesses of all sizes, from small start-ups to large enterprises, our system can handle your payroll needs with ease.
ZAAD e-Payment
Connect our ZAAD e-Payment to your e-commerce website and sell online with ease.
Humanitarian Cash Transfer
Experience the ease of bulk payments with Humanitarian Cash Transfer. Implement your cash & voucher assistance (CVA) efficiently using our ZAAD platform.
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Additional Features
Currency Exchange
Our USSD-based service streamlines currency conversion between dollars and shillings within your mobile, eliminating the need to visit a currency exchange.
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KAAFI Mobile Banking
Powered by ZAAD, this service offers easy access to bank accounts. Manage your finances effortlessly, from depositing and withdrawing money to sending funds to other Darasalaam Accounts.
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ZAAD e-Billing Service
Use e-billing services to pay for various services, including education fees, electricity, water, TV, tax, and telecom bills.
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ZAAD Web portals
Manage your accounts conveniently through our online portal.
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registration process
Effortless Registration Process for Your ZAAD Personal Account
  • 1
    Visit Telesom sales offices
    Drop by our nearest sales office to initiate the registration process. Our friendly staff will guide you through the simple steps.
  • 2
    Bring your valid ID documentation
    Ensure you have your valid identification documents with you. (Accepted forms of ID include: National ID, Passport, Residence Card, Driver's License, Birth Certificate, and Business License).
  • 3
    Account
    Activation
    Once the registration process is complete, your account will be activated. Now, you can seamlessly send, receive, and withdraw money with ease.
About ZAAD Services
ZAAD is a mobile money service launched in June 2009 and licensed by the central bank of Somaliland. It has become an integral part of the country's financial system, allowing individuals and businesses to transact securely and instantly without any barriers. ZAAD has accelerated financial inclusion in both rural and urban communities and moved the country towards a digital-based economy.
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ZAAD Short Codes
ZAAD mobile money services have been designed to be fully accessible and manageable through USSD short codes. These short codes allow you to perform a range of financial transactions with just a few key presses on your mobile phone.
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Send SL Shilling to personal accounts
*220*mobile-number*Amount#
Send Dollar to personal accounts
*880*mobile-number*Amount#
Send SL Shilling to Merchant accounts
*223*merchant-number*Amount#
Send Dollar to Merchant accounts
*883*merchant-number*Amount#
Withdraw Shilling
*224*agent-number*amount#
Withdraw Dollar
*884*agent-number*amount#
Airtime recharge
*221*mobile-number*amount#
Waafi App
Experience a new era of financial efficiency and convenience by downloading the WAAFI app. Your gateway to a streamlined and secure financial future is just a click away!
Still have questions?
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