Built for Malawians everywhere.
Send money anywhere. Instantly.
200+ Collection Points · Real Exchange Rates · Fast Transfers · FSC Licensed · FSCA Regulated.
Whether you're receiving money from family overseas, paying international suppliers, supporting loved ones back home, or protecting your value in stronger currencies — Zeroa helps money move freely across borders.
RECEIVE MONEY IN MALAWI
Flexible payout options across Malawi
Collect at Zeroa agent and partner locations across Malawi. No bank account needed - just ID to collect.
Cash Pickup
Straight to Airtel Money or TNM Mpamba. Instant, convenient, and no branch visit required.
Mobile Money
Bank Transfer
Direct to their bank account at any Malawian bank. Ideal for larger amounts or regular monthly support.
Collection areas — powered by Victoria Forex
Your family can collect at Victoria Forex branches across all four regional hubs, covering every major city and district in Malawi.
Blantyre City Hub
Southern Region
Blantyre
Balaka
Chikwawa
Chiradzulu
Machinga
Mulanje
Mwanza
Phalombe
Nsanje
Thyolo
Lilongwe City Hub
Central Region
Lilongwe
Dedza
Dowa
Kasungu
Mchinji
Mponela
Ntcheu
Salima
Ntchisi
Mzuzu City Hub
Northern Region
Mzuzu
Chilumba
Chintheche
Chitipa
Ekwendeni
Embangweni
Karonga
Mzimba
Livingstonia
Nkhata Bay
Rumphi
Zomba City Hub
Southern Region
Zomba
Cape Maclear
Liwonde
Mangochi
Monkey Bay
Move money across the SA–Malawi corridor at scale.
From Malawian businesses paying South African suppliers to companies managing cross-border payroll — Zeroa gives you the financial rails to move money faster, cheaper, and with full visibility across every transaction.
Cross-border payments
Pay suppliers, partners, and service providers across the SA–Malawi corridor with same-day settlement at low margins.
Staff & payroll
Pay employees reliably and on time across borders. Bulk payment tools built for businesses of any size.
Foreign exchange
Convert between South African Rand, Malawian Kwacha, and USD at real rates. Far cheaper than traditional bank FX.
Treasury & earn
Earn up to 15% APY on idle USDT/USDC balances. Put your working capital to work between transactions.
Why businesses choose Zeroa
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0.40–0.50% blended net margin — far cheaper than traditional bank wire transfers
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FSCA-licensed and CASP-approved — full regulatory compliance built in
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Fireblocks MPC custody for institutional-grade security on every transaction
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API integration available for high-volume and enterprise business accounts
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30+ banking partners across Africa for deep local connectivity in Malawi
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Stablecoin settlement bridges FX gaps where USD liquidity is constrained
Pay in at these outlets in South Africa
Add funds to your Zeroa account at any of the following retail outlets before sending:
Shoprite
Ackermans
Checkers
Usave
Pick n Pay
Flash
Kazang
SPAR
PEP
Cambridge Food
Makro
Game
Builders Warehouse
Open your account and start sending payments today.
Zeroa moves money between African countries instantly. Pay suppliers in Zimbabwe, receive payments from Botswana, or manage finances across South Africa, Malawi, and Namibia — all from one platform, with competitive FX rates and fast settlement.