Mobile Banking
Let your Customers Transact Anywhere
Banking in your customers’ hands. Quick, secure, and accessible, designed to meet the needs of every customer, wherever they are.
About Mobile Banking
In many African markets, access to bank branches, high-speed internet, or even smartphones is limited - but the need for simple, reliable banking is universal.
cGrate’s Mobile Banking solution solves this by bringing financial services directly to your customers, no matter their device or location. With support for USSD, social media platforms and SMS, we enable banks to reach every customer - from urban smartphone users to rural communities with only basic feature phones.
From bill payments and bank transfers to cash withdrawals and international remittances, our platform puts powerful digital banking tools in the palm of every customer’s hand — enabling cashless transactions as simple as sending a text
Why Our Mobile Banking Solution Stands Out
Banking that Works on Any Phone
Our mobile banking tools cater to all levels of connectivity. Customers can perform real-time transactions through:
USSD banking
For customers without smartphones or internet access, USSD allows access to vital banking services using basic mobile phones.
Banking via WhatsApp
WhatsApp banking allows your customers to check balances, pay bills or buy airtime securely on a familiar interface.
Core Features of Mobile Banking
0+
POS machine devices integrated with our software
Bank transfers
Enable seamless transfers between bank accounts and mobile wallets with real-time transaction confirmations.
Bill payments
From electricity and water to DStv, pensions, insurance, airtime and data - your customers can settle their bills on the go, quickly and securely.
Balance enquiries and mini-statements
A quick request via USSD or WhatsApp returns the latest balance or a snapshot of recent transactions, anytime.
Loan requests
Let customers apply for digital loans through USSD or chat platforms, with instant application processing and status updates.
Cash withdrawal requests
Customers can initiate secure cash-out requests via mobile, without visiting a bank branch or ATM.
International money transfers
Using our customised software and partnerships with banks and mobile operators, we facilitate fast, secure and compliant international transfers via African switches such as TCIB and PAPPS.
Card management
Customers can block or activate their cards instantly — reducing fraud risk and improving card control.
Built-in security for safe transactions
Our software systems are fully compliant with international standards, designed to protect customer data and transactions, and ensure ethical data processing and storage.
Customer attestation
Capture secure declarations or confirmations from customers, directly through the mobile platform.
0million+
Transactions processed monthly
Get in touch
Contact us to find out more about licensing opportunities
and promoting cashless societies in Africa.
Contact us to find out more about licensing opportunities and promoting cashless societies in Africa.
