Why You’ll Love Us
Banking is broken, and we’re tired of it. It’s your money,
it should move your way.
Save in multiple currencies
Save your money on the app - no fees, no hidden costs - just your money safe and secure.
Save more with a Dollar Account
Send money to anyone, anywhere
It’s quick, easy, and free when you Zeam another user even in another country. Need to cashout in another country? We’ve got you, with cashout points in Zimbabwe, Malawi, and Zambia.
Swap currency easily
Exchange your ZARZ for USDZ in an instant on the app, no extra fees.
Shop and pay with Zeam
Shop in the app or at your favourite store with no additional fees - just pay for what you buy.
Where you can use Zeam
Seamlessly send money home
Family in Zimbabwe? Friend in Malawi? Loved ones in Zambia? Send them money for free on Zeam — no matter where they are.
All they need is a phone number
No bank account needed
Cash out in minutes through local partners
Only a small 1.5% fee
Send money now
Seamlessly send money home
Family in Zimbabwe? Friend in Malawi? Loved ones in Zambia? Send them money for free on Zeam — no matter where they are.
All they need is a phone number
No bank account needed
Cash out in minutes through local partners
Only a small 1.5% fee
Send money now
How much does Zeam cost?
No fees FOR INDIVIDUALS on Zeam
Fees to open an account
No Fee
Monthly fees
No Fee
Saving money on Zeam
No Fee
Saving currency (ZAR, USD) on Zeam
No Fee
Exchange between currencies
No Fee
Sending money to a Zeam user
No Fee
Buy vouchers to shop at retailers
No Fee
Buy prepaid services (airtime, electricity, vouchers)
No Fee
Fees to cashout
From 1,5%
Cash In & Cash Out
Top up with Cash at EasyPay retailers
R8 + 1%
Topping up via bank
No Fee
Withdraw to bank
No Fee
Withdraw cash South Africa
From R10 for SA
Withdraw cash Other Countries
Country specific
See full list
Withdraw to Mobile Money account
From 1.5%
How much does Zeam cost?
No fees FOR INDIVIDUALS on Zeam
Fees to open an account
No Fee
Monthly fees
No Fee
Saving money on Zeam
No Fee
Saving currency (ZAR, USD)
No Fee
Exchange between currencies
No Fee
Sending money to a Zeam user
No Fee
Buy vouchers to shop at retailers
No Fee
Buy prepaid services (airtime, electricity, vouchers)
No Fee
Fees to cashout
From 1,5%
Cash In & Cash Out
Top up with Cash at EasyPay retailers
R8 + 1%
Topping up via bank
No Fee
Withdraw to bank
No Fee
Withdraw cash South Africa
From R10
Withdraw cash
Other Countries
Country specific
See full list
Withdraw to Mobile Money account
From 1.5%
Why We're Better
Experience a better way to save, swap, send, shop and receive money with Zeam’s seamless, secure, affordable solutions.
Why We're Better
Experience a better way to save, exchange, send, and receive money
with Zeam’s seamless, secure, affordable solutions.
Experience a better way to save, exchange, send, and receive money
with Zeam’s seamless, secure, affordable solutions.
Zero fees
We won’t chow your money
We have zero monthly costs and our fees are low and transparent.
Security First
As safe as a warrior’s shield
We take security seriously, that’s why we have bank-level encryption and fraud protection - only your hands on your money.
Support 24/7
Always here, like the mighty baobab
We’re available day and night, no matter what you need.
Click any help button in the app and we’ll be there, or go to My Profile > Support to connect with an assistant.
Ready to take the
next step?
Discover how easy it is to join the Zeam community and
participate in our entire ecosystem.
STEP 1
Download the app
Accessible on iOS, Android, and web platforms.
9:41
STEP 2
Create an account
Quick verification with your phone and ID
9:41
STEP 3
Add funds
Top up via cash, bank transfer, or card
R 369.00
Ready to take the
next step?
Discover how easy it is to join the Zeam community and
participate in our entire ecosystem.
Frequently asked questions
Frequently asked questions
What is Zeam?
How do I fund my Zeam wallet?
How do I save in Zeam?
How do I swap between currencies?
How do I send funds to someone on Zeam?
How do I send funds internationally?
How can I shop using Zeam?
Join
's financial
ecosystem today
Download from App store
0r
Scan QR Code to
Download
Join Zeam's financial ecosystem today
Join
's financial
ecosystem today
Download from App store
0r
Scan QR Code to
Download
Join Zeam's financial ecosystem today
Join
's financial
ecosystem today
Download from App store
0r
Scan QR Code to
Download
Join Zeam's financial ecosystem today
Join
's financial
ecosystem today
Download from App store
0r
Scan QR Code to
Download
Join Zeam's financial ecosystem today
Why You’ll Love Us
Banking is broken, and we’re tired of it. It’s your money, it should move your way.
Save in multiple currencies
Save your money on the app - no fees, no hidden costs - just your money safe and secure.
Save more with a Dollar Account
Send money to anyone, anywhere
It’s quick, easy, and free when you Zeam another user even in another country. Need to cashout in another country? We’ve got you, with cashout points in Zimbabwe, Malawi, and Zambia.
Exchange your ZARZ for USDZ in an instant on the app, no extra fees.
Swap currency easily
Shop in the app or at your favourite store with no additional fees - just pay for what you buy.
Shop and pay with Zeam
© 2025 Zeam. All rights reserved.
The “Zeam Group” operates through a number of entities and regulated partners across various jurisdictions. Zeam works in partnership with licensed financial institutions and payment providers to facilitate fiat and crypto transactions across Africa, Europe, and select global corridors. Read our crypto disclosure here (link)
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
© 2025 Zeam. All rights reserved.
The “Zeam Group” operates through a number of entities and regulated partners across various jurisdictions. Zeam works in partnership with licensed financial institutions and payment providers to facilitate fiat and crypto transactions across Africa, Europe, and select global corridors. Read our crypto disclosure here (link)
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
© 2025 Zeam. All rights reserved.
The “Zeam Group” operates through a number of entities and regulated partners across various jurisdictions. Zeam works in partnership with licensed financial institutions and payment providers to facilitate fiat and crypto transactions across Africa, Europe, and select global corridors. Read our crypto disclosure here (link)
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
Making financial services accessible to everyone across Africa.
© 2025 Zeam. All rights reserved.
Zeam SA (Pty) Ltd is a juristic representative of Paytec Services (Pty) Ltd. Paytec Services is Financial Service Provider rendering services in respect of crypto assets (CASP) (Read Crypto Public Disclosure), subject to the Financial Advisory and Intermediary Services Act of South Africa (FAIS) and is subject to regulatory oversight by the Financial Sector Conduct Authority of South Africa (FSCA). Paytec Services has been assigned an FSP number (53737) pending the final determination of its CASP application. In the interim, Paytec Services continues to conduct its business lawfully as a CASP in accordance with the FSCA’s Exemption Regime. Paytec is an Accountable Institution registered with the Financial Intelligence Centre (ORG 65501).
The “Zeam Group” operates through a number of entities and regulated partners across various jurisdictions. Zeam works in partnership with licensed financial institutions and payment providers to facilitate fiat and crypto transactions across Africa, Europe, and select global corridors. Read our crypto disclosure here (link)
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
Use of Zeam’s services is subject to jurisdictional availability and regulatory constraints. By accessing or using this website or our app, you confirm that you are doing so voluntarily, without direct solicitation where local regulation prohibits such engagement. Zeam does not promote, market, or offer its services to users in jurisdictions where such activity is restricted.
Zeam is committed to compliance with global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.
