Siraad — Somalia's Unified Payment Gateway

←

🔐

Enter PIN

Confirm your payment with your 6-digit PIN.

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4GHI

5JKL

6MNO

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0

⌫

Forgot PIN? Reset it here

Your Balance

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VERIFY ID

$0.00

≈ SOS 0 · Loading rate...

↑Send

↓Top Up

🛒Pay

📋History

⚡

Bills

📡

Data

🔐

Verify

⇄

Rates

Live Exchange Rates

See all →

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About Siraad

Siraad is Somalia's unified payment gateway — the single platform that connects all Somali banks and mobile wallets. Send money, pay bills, top up data, and send money, pay merchants and manage your finances with Siraad.

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Somali Banks

0.5%

Max Transfer Fee

$0

KYC Verification

FREE

Siraad→Siraad

Why Siraad?

Sending $200 to family

Family receives

SR

Siraad

$199.00

~$186

~$183

Linked Accounts + Add

📱

Mobile Wallet

✓ Live

SAL

Salaam

Soon

PB

Premier

Soon

IBS

eBesa

Soon

eDH

eDahab

Soon

💳

Local Wallet

Soon

SAH

Sahal

Soon

+

Add

←

Send Money

⚡ Siraad to Siraad

🏦 Bank SOON

🎉

Completely Free

Sending between Siraad users costs nothing.

Recipient Phone Number

Amount (USD)

$

$10

$25

$50

$100

$200

Note (optional)

Your Siraad balance

$0.00

Zero fees · Instant · Both users notified

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←

Enter Amount

Salaam

→🌉→

Premier

SOS

0

≈ $0.00 USD

$10

$25

$50

$100

$200

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0

⌫

Bridge fee (0.5%): $0.00

⚡ Instant

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Pay Merchant

Pick a merchant, enter a code, or scan QR

Merchants

📱

Hormuud

Telecom & Airtime

0.3% fee

🛒

Amaan Market

Supermarket

0.4% fee

🏥

Caafi Hospital

Healthcare

0.2% fee

🎓

Mogadishu Uni

Education

0.1% fee

✈️

Somali Airlines

Travel & Flights

0.5% fee

🍽️

Iftin Restaurant

Food & Dining

0.4% fee

←

Pay

📱

Hormuud Telecom

Merchant ID: HT-001

Verified Merchant

Pay From

👛 Wallet

🏦 Bank

Invoice / Reference (optional)

Description

$

0.00

≈ SOS 0

$1

$5

$10

$50

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9

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0

⌫

Commission (0.3%): $0.00

🛒 Instant

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My Wallet

Siraad Wallet

SOS 0

≈ $0.00 USD

↓Top Up

↑Send

🏦Withdraw

📊History

Money In (Mar)

+2.5M

↑ +12% vs Feb

Money Out (Mar)

-1.8M

↑ -8% vs Feb

Merchants Paid

8

This month

Transfers Made

14

This month

Top Up Wallet

🏦From Bank

💳Debit Card

🏧Agent

Wallet Transactions

No transactions yet

Recipient—

Phone—

Account No.—

IBAN—

Note—

Bridge Fee$0.00

$0.00

≈ SOS 0

←

Reset PIN

🔐

Forgot Your PIN?

Enter your email or phone number and we will send you a reset code.

Email or Phone Number

← Back to Sign In

←

Enter Reset Code

🔐

Enter Your Code

We sent a 6-digit reset code to

your email/phone

Code expires in 10 minutes

←

🔑

Create New PIN

Choose a new 6-digit payment PIN.

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2ABC

3DEF

4GHI

5JKL

6MNO

7PQRS

8TUV

9WXYZ

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⌫

🔒 PIN is encrypted and never stored in plain text

←

✅

Confirm New PIN

Re-enter your new PIN to confirm.

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2ABC

3DEF

4GHI

5JKL

6MNO

7PQRS

8TUV

9WXYZ

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⌫

🔐

PIN Reset!

Your new payment PIN has been set successfully. You can now sign in.

←

Pay by Code

🏷️

Enter Merchant Code

Ask the merchant for their Siraad code.
It starts with M followed by 8 digits.

Merchant Code

M

Demo Merchant Codes

📱

Hormuud Telecom

Code: M11111111

Use →

🛒

City Mall

Code: M22222222

Use →

✈️

Jazeera Airways

Code: M33333333

Use →

🏥

Caafi Hospital

Code: M44444444

Use →

🎓

Mogadishu University

Code: M55555555

Use →

←

Card Top-Up

Card Preview

•••• •••• •••• ••••

CARDHOLDER

YOUR NAME

EXPIRES

MM/YY

💳

Card Number

Expiry Date

CVV

Cardholder Name

Top-Up Amount (USD)

$10

$25

$50

$100

$250

Processing fee 1.5% + $0.30

Arrives in wallet ⚡ Instant

←

Withdraw to Bank

Available in Wallet

SOS 0

≈ $0.00 USD

👛

Withdraw To

Amount (USD)

$50

$100

$250

$500

$1K

Note (Optional)

⚠️ Withdrawals are processed within 1–3 business hours and require PIN confirmation.

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Exchange Rates

Live rates · Updates every hour · Base: USD

Quick Convert

Amount

⇄

Currency

▼

Result in USD

$0.00

Live Rates

Loading rates...

←

Verify Identity

What you unlock after verification

✓ Send up to $10,000 per month

✓ Withdraw to any bank

✓ Full merchant payments

✓ Priority customer support

✓ 100% FREE — no charge

How it works

📸

Step 1 — Face Scan

Look at your camera. Takes 10 seconds. Confirms you are a real person.

🪪

Step 2 — ID Document

Upload your Somali passport, NIRA national ID, or driver's license.

✅

Step 3 — Instant Result

Usually approved in under 60 seconds. Sometimes up to 24 hours for manual review.

Accepted Documents

🇸🇴 Somali Passport

🪪 NIRA National ID

🚗 Driver's License

🌍 Foreign Passport

🔒 Your data is encrypted and stored securely.
We never sell or share your personal information.
Verification is required by Central Bank of Somalia (CBS).

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Profile & Settings

AH

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⚠️ Unverified

Edit

🔐

Verify Your Identity

Required for full access · Free · Face scan + ID

→

Account

🪪

KYC Verification

Face scan + ID document

→

👤

Edit Profile

Name, WhatsApp, photo

→

🔑

Change PIN

Update your payment PIN

→

Preferences

🌍

Language

English

👆

Biometric Login

Checking...

—

🌙

Appearance

Dark mode

🔔

Notifications

Payment alerts

Support

💬

WhatsApp Support

Chat with us

→

✉️

Email Support

hello@siraad.app

→

ℹ️

App Version

v1.0.0 Beta

siraad.app

←

Delete Account

⚠️

This cannot be undone

Deleting your account will permanently erase your profile, transaction history, and wallet data. Any remaining balance must be withdrawn first.

What will be deleted

✕ Your profile and personal data

✕ All transaction history

✕ Saved payment methods

✕ KYC verification status

Verify your identity to continue

Enter your password to confirm deletion

🔒 👁

Type DELETE to confirm

←

Bill Payments

🚧

Coming Soon

Bill payments are launching soon. We are connecting BECO, SNWS and other providers.

Preview available bill categories:

⚡

Electricity

BECO · Mogadishu

💧

Water

SNWS · Somalia

📡

Internet

Hormuud · Somnet

🎓

School Fees

Universities · Schools

📺

TV / Cable

StarSat · DStv

➕

More Soon

Coming soon

⚡ Bills paid instantly from your Siraad wallet · No extra fee · Receipt sent by email

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Data Bundles

🚧

Coming Soon

Data bundle purchasing is launching soon. We are partnering with Hormuud, Telesom, Somtel and Golis.

Preview available bundles:

📱 Hormuud

📡 Telesom

🌐 Somtel

📶 Golis

📱 Enter your phone number · Select bundle · Pay with Siraad wallet · Activated in seconds