Payments/SD
Sudan
ISO SD · 3 schemes
Summary
- Bankak QR payments (Bank of Khartoum)
- Fawry Sudan QR + OTP (Faisal Islamic)
- 4,000+ agents BOK Wakeel network
- Bravo Sudan Pay additional QR
- War impact driving digital adoption
Banking landscape
Central Bank
- Name: Central Bank of Sudan (CBOS)
- Website: https://www.cbos.gov.sd/
- Role: Monetary policy, payment oversight
Major Banks (2024)
| Rank | Bank Name | Type | Digital Platform |
|---|---|---|---|
| 1 | Bank of Khartoum | Private | Bankak |
| 2 | Faisal Islamic Bank | Islamic | Fawry Sudan |
| 3 | Omdurman National Bank | Local | ONB Mobile |
| 4 | Agricultural Bank of Sudan | State | ABS Mobile |
| 5 | Al Jazeera Sudanese Jordanian | Islamic | AJ App |
Market Structure
- Bankak: Leading digital
- 4,000+: BOK Wakeel agents
- 300+: BOK ATMs
- War impact: Digital surge
Payment infrastructure
National Payment Systems
| System | Operator | Type | Status |
|---|---|---|---|
| Bankak | Bank of Khartoum | Mobile bank | Active |
| Fawry Sudan | Faisal Islamic | Mobile app | Active |
| Bravo Sudan Pay | Independent | App | Active |
| EBS | Central Bank | Interbank | Active |
Bankak Network
- 4,000+ BOK Wakeel agents
- 300+ BOK ATMs
- Nationwide coverage
- Deposit/withdrawal access
War-Driven Digital Adoption
- Conflict since April 2023
- Cash shortages
- Banks disrupted
- Digital apps lifeline
QR code standards
Bankak QR (بنكك|PAY)
| Attribute | Value |
|---|---|
| Provider | Bank of Khartoum |
| App | Bankak (بنكك) |
| Feature | QR code payments |
| Version | V-4.49 (Jul 2024) |
Bankak QR Features
- Pay at بنكك|PAY shops
- BOK Wakeel payments
- QR code scanning
- Instant transactions
Fawry Sudan QR
| Attribute | Value |
|---|---|
| Provider | Faisal Islamic Bank |
| Services | 35+ services |
| Feature | Static + dynamic QR |
| Methods | QR, OTP, Vouchers |
Fawry QR Features
- QR code creation
- QR code scanning
- Static QR support
- Dynamic QR support
- 24/7 availability
Mobile payment apps
| App | Provider | QR | Features |
|---|---|---|---|
| Bankak | BOK | Yes | Full banking |
| Fawry Sudan | Faisal Islamic | Yes | 35+ services |
| Bravo Sudan Pay | Independent | Yes | Gift cards |
Bankak Features
- Account access
- Mobile account
- QR payments
- Agent deposits/withdrawals
- Transfers (SDG 2M/day limit)
- Cross-bank transfers
Fawry Sudan Features
- 35+ services
- Bill payments
- Goods/services purchase
- QR + OTP + Vouchers
- Account management
- 24/7 access
Bravo Sudan Pay Features
- QR Pay function
- Gift cards
- Transaction history PDF
- Enhanced security
- New UI design
Schemes
| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| Bankak QR | Bank QR | بنكك | Payments | bankak-qr |
| Fawry QR | Bank QR | Multi-type | 35+ services | fawry-qr |
| Bravo QR | App QR | Gift/Pay | Active | — |
Sources
- Bank of Khartoum - Mobile Money
- Bank of Khartoum - mBOK Account
- Google Play - Bankak
- App Store - Bankak
- Soft112 - Fawry Sudan
- ApkAio - Fawry Sudan
- App Store - Bravo Sudan Pay
- The New Humanitarian - Digital Money in Sudan War
Full country report
Schemes
Standards
Mentioned · 1