As YaYa is a cross-platform mobile wallet, you can use the links above to install either on Android
or iOS phone. After installing YaYa Wallet in your phone, the first step to get started is to
create a private key. The private key will be generated automatically and stored on your device and
is crucial to access your accounts. The private key is also used to encrypt your data transfer with
Important: Remember to backup your private key and store it in a safe place. It is
the only way to recover your funds if you sign out of the wallet or lose your device! If someone
else gets your unencrypted private key, they will have full control over your accounts.
Ok! I have installed, what are the next steps?
First, choose your language.
If you do not have a private key already created, choose I'm New Customer
Otherwise login simply with your existing private key choosing the option Log in As
If continue as a new customer, the application will remind you that a new private key is to be
generated for you and you need to back up and keep it in a safe place.
One phone number for only one account
Invitation code can be sent from an existing customer
There are three classes of wallet accounts as stated under the Licensing and Authorization of
Payment Instrument Issuers Directive No. ONPS/01l2020 issued by National Bank of Ethiopia. They are
Private, Business, and Agent.
For simplicity, YaYa Wallet lets you signup for private account first and then request an upgrade to
business and agent accounts later.
The form as indicated at
will ask you to fill in your full name, phone number, invitation code, date of birth and
gender. Additionally, if your selected country is Ethiopia, you will be asked to share your
residential address in the form of region and city. Make sure to provide all these information as
they are required to issue your YaYa account number.
If all information asked on the form is filled, and the invitation code is correctly related with
the phone number, you will be taken to a screen similar to the following with a success message
Almost done... one last step, upload documents
Tap on the account card
in order to open the form
that allows you to submit required documents.
On submission of photo and/or identity document, our staff members review it and approve your
account. If only photograph is submitted, you will be approved for Level 1 account. If both
photograph and ID document are submitted, you will be approved for Level 2. The approval process
usually takes not more than an hour. Until approval, your account will show a Pending or
Ding...! You will be notified when the activation is made.
Account levels 🤔... What does it mean?
YaYa Wallet accounts have different kinds of levels that have specific regulations set by NBE for
data requirements, maximum account balance limits, monthly transaction limits and daily transaction
limits. Depending on the types of documents submitted to us, you'll be entitled to have YaYa Wallet
accounts one of the levels.
Level 1 accounts are subject to a maximum account balance of 5000
ETB, an aggregate daily transaction limit of 1000 ETB and an aggregate monthly transaction limit
of 10000 ETB.
Level 2 accounts are subject to a maximum account balance of
20000 ETB, an aggregate daily transaction limit of 5000 ETB and an aggregate monthly transaction
limit of 40000 ETB.
Level 3 accounts are subject to a maximum account balance of
30000 ETB, an aggregate daily transaction limit of 8000 ETB and an aggregate monthly transaction
limit of 60000 ETB.
Business/Merchant accounts have no limit on account balance and transactions.
Business account can make payments to large number of users at once.
Agent accounts are similar to business account, but agents are allowed to make
cash related transactions.
Note that you can upgrade anytime to business account type. Upgrading to business account require
submission of trade licence and other applicable legal documents. See its section below for details.
Adding to account balance: We provide different payment methods including the
following to add balance to your account. The balance will always be denominated to ETB using the
exchange rate available from NBE during the cash-in transaction and stored in your YaYa Wallet
account as an electronic money balance transparently visible to you.
- Payment cards
- Cash at any of our agents or branches
Bank transfer to any of the following dedicated bank accounts
Do not forget to add your YaYa Wallet Account number in the reason area when you top-up
using bank transfer.
- Abay Bank: XXXXX
- Addis International Bank: XXXXX
- Awash International Bank: XXXXXX
- Bank of Abyssinia: XXXXXX
- Berhan International Bank: XXXXXX
- Bunna International Bank: XXXXXX
- Commercial Bank of Ethiopia: XXXXX
- Cooperative Bank of Oromia: XXXXXX
- Dashen Bank: XXXXX
- Debub Global Bank: XXXXXX
- Development Bank of Ethiopia: XXXXXX
- Enat Bank: XXXXXX
- Lion International Bank: XXXXXX
- Nib International Bank: XXXXXX
- Oromia International Bank: XXXXXX
- United Bank: XXXXXX
- Wegagen Bank: XXXXXX
- Zemen Bank: XXXXXX
Pay to anyone easily and securely!
You can make payments to other YaYa wallet users using the QR code that resolves to an account
number or typing the account number manually.
Tap the Send button to make payments
Type the digits of the account number
This will paste the account number you copied from a chat, SMS, or any other location.
If you've loaded friends & family to contacts, tap and select a contact here.
Specify the amount to pay
Tapping here will fill the maximum Birr amount you can send
A payload will let you add extra information to the payment (e.g, ticket number, receipt number,
If you have the QR code of the receiver, scan it and the application will insert it at 2.
This is typically useful when you are are physically together with the receiver as in taxi,
restaurants, shops, etc as the account number is available optionally in the form of QR code and can
be scanned by using the app.
Receive Birr via QR or your wallet account number
Share account number, request payments
You show the account number in the form of QR code and text so that the payer can scan and make
Tap the Receive button to see your account number and QR code.
Share your QR code to external application like telegram, whatsapp, etc.
This shows your QR code and let anyone scan and make payments to you.
A dynamic QR code will be created by requesting a specific amount.
Specify the amount to request
The dynamic QR code with amount and payload information
Submit bank transfer requests
You can transfer your electronic balance to any bank account of yours, your family or loved ones.
Tap the ☰ to see the list of operations.
Select Make Bank Transfer.
Fill out the form with the amount and the bank account number. You can optionally specify the bank
transfer reason and any reference code. Then tap Request Bank Transfer and confirm your
submission. We will review and complete the transfer often within short time. A notification will be
sent when the transfer is completed.
Manage contacts in an intuitive, easy-to-use address book.
Tap on the ⚙ icon and select Manage ➝ Contacts to open the contacts list.
Import contacts from file
Export saved contacts to a file
List of contacts available
You can select from list of contacts when you make payments