Payments/DZ
Algeria
ISO DZ · 3 schemes
Summary
- DZMobPay interoperability network launched 2025
- 7 banks + Algérie Poste connected for QR payments
- CIB/Edahabia dual card system via SATIM
- Wimpay-BNA first QR app (March 2021)
- 2M+ SATIM cards in circulation
Banking landscape
Central Bank
- Name: Banque d'Algérie (Bank of Algeria)
- Website: https://www.bank-of-algeria.dz/
- Role: Monetary policy, payment oversight
Major Banks (2024)
| Rank | Bank Name | Type | Digital Platform |
|---|---|---|---|
| 1 | National Bank of Algeria (BNA) | State | Wimpay-BNA |
| 2 | Crédit Populaire d'Algérie | State | CPA Mobile |
| 3 | Local Development Bank (BDL) | State | BDL App |
| 4 | Foreign Bank of Algeria (BEA) | State | BEA Mobile |
| 5 | Algeria Gulf Bank | Private | AGB Mobile |
Market Structure
- SATIM: Interbank transaction operator
- GIE Monétique: Economic Interest Group
- CIB/Edahabia: Dual card networks
- State-dominated: Banking sector
Payment infrastructure
National Payment Systems
| System | Operator | Type | Status |
|---|---|---|---|
| DZMobPay | GIE Monétique | Interbank mobile | Active (2025) |
| SATIM/CIBWeb | SATIM | Card processing | Active |
| Baridi Mob | Algérie Poste | Postal mobile | Active |
DZMobPay Network (2025)
- 8 institutions connected:
- National Bank of Algeria
- Crédit Populaire d'Algérie
- Local Development Bank
- Foreign Bank of Algeria
- National Savings and Provident Fund
- Algeria Gulf Bank
- Al Salam Bank
- Algérie Poste (Baridi Mob)
Card Statistics
- 2+ million SATIM cards in circulation
- 510 authorized CIBWeb merchants (May 2024)
- 15,000+ online payment portals
QR code standards
DZMobPay QR
| Attribute | Value |
|---|---|
| Operator | GIE Monétique |
| Type | Interbank QR |
| Launch | 2024-2025 |
| Feature | Cross-bank transfers |
QR Payment Features
- Cross-bank QR scanning
- Merchant QR codes
- P2P transfers
- Bill payments
Wimpay-BNA (Pioneer)
- Launch: March 2021
- Operator: National Bank of Algeria
- Type: Contactless QR
- Feature: First Algerian QR payment
SofizPay QR
- Online payment gateway
- QR code generation
- Merchant integration
- E-commerce focus
Mobile payment apps
| App | Provider | QR | Features |
|---|---|---|---|
| Wimpay-BNA | BNA | Yes | First QR app |
| Baridi Mob | Algérie Poste | Yes | Postal wallet |
| Bank Apps | Various | Yes | DZMobPay |
Baridi Mob
- Algérie Poste application
- Edahabia card linked
- QR code payments
- Bill payments
- P2P transfers
Wimpay-BNA
- First contactless mobile payment
- QR code based
- March 2021 launch
- Pioneer in Algeria
DZMobPay Integration
- Multiple bank apps
- Cross-bank interoperability
- Unified QR standard
- Growing network
Schemes
| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| DZMobPay | Interbank QR | National | 8 institutions | dzmobpay |
| CIB | Debit card | SATIM | 2M+ cards | — |
| Edahabia | Postal card | Poste | Active | — |
Sources
- Algeria Invest - 15 Banks QR Code
- Dzair Tube - GIE Monétique 2024
- SofizPay - QR Code Gateway
- BDL - CIB Card
- Transfi - Algeria Digital Finance
- Statista - Payment Methods Algeria
- State of Algeria Dev - E-Payment
- BNP Paribas - Algeria Cash Management
Full country report
Schemes
Standards
Primary · 1
Mentioned · 1