How to deposit on Yellow Card
- Our rating
- 4.1
- Rails
- 13
- Countries
- 20
- Review updated
- 2026-08-12
Yellow Card takes 13 payment rails across the 20 countries we rank it in. The widest: Local bank transfer (16 countries), Airtel Money (9 countries), MTN MoMo (8 countries).
Every rail, by how far it reaches
Counted from our country guides: a rail is listed here only where at least one country we rank Yellow Card in carries it. Each rail opens its own page with the exact countries.
Domestic bank rail
| Rail | Countries | Speed |
|---|---|---|
| Local bank transfer | 16Benin, Botswana, Burkina Faso +13 | Instant rails settle in seconds, and the ECB requires euro instant credit transfers to reach the payee within ten seconds, 24 hours a day, 365 days a year, while older batch transfers still take one or two business days. |
| Instant EFT | 1South Africa | Confirmation reaches the recipient within seconds of you approving the payment, while Ozow says the money itself reflects in the recipient's account the same day or under standard interbank EFT rules. |
| PesaLink | 1Kenya | Transfers settle in real time on a service that runs 24 hours a day, seven days a week, with Bank of Africa Kenya quoting a maximum of 45 seconds per transaction. |
Mobile money
| Rail | Countries | Speed |
|---|---|---|
| Airtel Money | 9DR Congo, Gabon, Kenya +6 | Wallet to wallet transfers clear in seconds, so the real wait is getting to an agent to deposit the cash. |
| MTN MoMo | 8Benin, Cameroon, Cote d'Ivoire +5 | Transfers between MoMo wallets are effectively instant, so the time goes on reaching an agent to deposit the cash. |
| Orange Money | 7Botswana, Burkina Faso, Cameroon +4 | Wallet to wallet transfers are effectively immediate; the slow part is travelling to an agent to put the cash in. |
| Moov Money | 5Benin, Burkina Faso, Gabon +2 | Wallet to wallet transfers clear in seconds once you confirm with your PIN, and a cash deposit at an agent credits the wallet straight away. |
| M-Pesa | 3DR Congo, Kenya, Tanzania | Wallet to wallet and paybill payments confirm by SMS within seconds of the PIN prompt, at any hour of the day. |
| Wave | 2Cote d'Ivoire, Senegal | A transfer between Wave wallets is an app instruction rather than a bank settlement, so it goes through right away; the slow steps are the cash in and cash out, which happen in person at an agent. |
| Mobile money | 1Nigeria | Transfers inside a single wallet network land in seconds, while sending across networks or out to a bank account can take longer and is not offered everywhere. |
| MyZaka | 1Botswana | Wallet to wallet transfers and agent cash outs complete while you wait, while bank to wallet transfers depend on the partner bank. |
| Telecel Cash | 1Ghana | Telecel describes transaction processing as real time, and interoperable transfers to other Ghanaian wallets clear in seconds. |
| TNM Mpamba | 1Malawi | Wallet to wallet transfers post in real time, so the balance moves within moments of you confirming the send on the handset. |
As published by Yellow Card: Local bank transfer, Mobile money.
Frequently asked questions
What payment methods does Yellow Card accept?
13 rails across the countries we rank it in: Local bank transfer, Airtel Money, MTN MoMo, Orange Money, Moov Money, M-Pesa, Wave, Instant EFT, PesaLink and Mobile money and 3 more. Which of them you can use depends on your country; each rail below lists exactly where it is offered.
Can I deposit by bank transfer on Yellow Card?
Yes. Local bank transfer, Instant EFT and PesaLink are on our record for Yellow Card, covering 17 countries between them.
Can I pay by card on Yellow Card?
Not on our record. None of the rails our country guides list for Yellow Card is a card rail.
Does Yellow Card take mobile money or e-wallets?
Yes: Airtel Money, MTN MoMo, Orange Money, Moov Money, M-Pesa, Wave, Mobile money, MyZaka, Telecel Cash and TNM Mpamba, in 19 countries. These are local rails, so each one is offered only where the wallet itself operates.