# SOLmate > SOLmate is a secure, mobile-first digital payment platform for South Africa. The product combines a digital wallet, a Mastercard debit card, fee-free top-ups and bill payments, free instant transfers between SOLmate users, ewallet vouchers, and international money transfers to 190+ countries. SOLmate is operated by SOL Ecosystem (Pty) Limited (registration 2020/851425/07). It is not a bank — financial services are powered by authorised third-party Financial Services Providers (FSPs) and Third-Party Payment Providers (TPPPs). Funds are held in a custody account at a registered South African bank, overseen by an FSP licensed under the Financial Sector Conduct Authority (FSCA, license 52248). SOLmate is available to individuals living in South Africa; a traditional bank account is not required. Support: support@solmate.co.za · WhatsApp +27605757490. ## Core pages - [SOLmate — eWallet & Debit Card for South Africa](https://solmate.co.za/): SOLmate Mastercard debit card and digital wallet. Buy airtime and electricity with no fees, send money to 190+ countries, no bank account needed. - [Fees and Charges](https://solmate.co.za/fees): Transparent wallet, card and transfer fees in South Africa: plans, side-by-side fee comparison, and Pay@ retailer top-up fees. No hidden costs. - [Open a SOLmate account](https://solmate.co.za/open-account): Open an account in South Africa with a passport, SA ID or asylum permit — no proof of address, R0 to open, Mastercard included. FICA-compliant account number with EFT in and out. - [Help Centre](https://solmate.co.za/help): Answers about the SOLmate wallet, card, and transfers. Browse articles by category or contact support. - [Blog](https://solmate.co.za/blog/): News, product updates, and money guides for South Africa. ## Send money - [Send money from South Africa](https://solmate.co.za/send-money/): Send ZAR abroad with SOLmate — mobile wallet, bank deposit, or cash. Dedicated corridors plus 190+ destinations, fair rate and a transparent fee. - [Send money to Zimbabwe](https://solmate.co.za/send-money/zimbabwe/): Send ZAR to USD in minutes — mobile wallet, USD bank deposit, or cash. Sign up with SA ID, Zimbabwean passport, or asylum seeker permit. Cross-border settled through our licensed remittance partner. - [Send money to Malawi](https://solmate.co.za/send-money/malawi/): Send ZAR to MWK in minutes — mobile wallet, bank deposit, or cash. Sign up with SA ID, Malawian passport, or asylum seeker permit. Cross-border settled through our licensed remittance partner. - [Send money to Mozambique](https://solmate.co.za/send-money/mozambique/): Send ZAR to MZN in minutes — mobile wallet, bank deposit, or cash. Sign up with SA ID, Mozambican passport, or asylum seeker permit. Cross-border settled through our licensed remittance partner. ## How to start - [What are SOLmate benefits?](https://solmate.co.za/help/how-to-start): SOLmate is a secure payment platform — top up your wallet, buy prepaid services, send money to anyone in SA, and transfer internationally to 190+ countries. ## Urgent Issues - [I haven't received my money](https://solmate.co.za/help/havent-received-money): Troubleshooting guide covering expected timeframes for different SOLmate deposit and withdrawal methods. - [My application was declined](https://solmate.co.za/help/application-declined): Find out why your SOLmate application might have been declined and what document and image requirements must be met to successfully verify your account. ## SOLmate Card - [How to order a SOLmate Card](https://solmate.co.za/help/card-order): Step-by-step guidance on ordering and tracking your SOLmate Card through the mobile app, including top-up requirements and troubleshooting. - [Card delivery and collection](https://solmate.co.za/help/card-delivery): How to receive your SOLmate card through Pargo collection or home delivery — including pickup procedures and collection timelines. - [How to activate and use your card](https://solmate.co.za/help/activate-use-card): Activate your SOLmate Card using the activation code printed on the packaging, and manage your card PIN through the app. - [Having trouble with your card?](https://solmate.co.za/help/troubleshooting-card): Troubleshooting steps for SOLmate card issues including activation, balance, PIN, and instructions for lost or stolen cards. ## Notifications & Updates - [Where do I get the latest updates from SOLmate?](https://solmate.co.za/help/notifications): Receive the latest updates from SOLmate and enable app notifications for critical service changes and alerts. ## Payments and Transfers - [How to send money to any bank in South Africa](https://solmate.co.za/help/send-money-to-sa-bank): Send money from your SOLmate wallet to any South African bank account using EFT — with standard or faster Real-Time Clearing options. - [What is an Ewallet?](https://solmate.co.za/help/what-is-ewallet): An Ewallet lets you send money quickly and securely to a recipient using their South African mobile number — no bank account needed. - [What is SOLpay Link?](https://solmate.co.za/help/what-is-solpay-link): SOLpay Link lets you send money from your SOLmate wallet to any South African mobile number — even if the recipient does not have a SOLmate account. - [What is wiCode, and how does it work?](https://solmate.co.za/help/wicode-overview): wiCode is a digital payment method that lets you deposit or withdraw cash at participating retailers using a unique code from your SOLmate app. - [What is International Money Transfer and how does it work?](https://solmate.co.za/help/international-money-transfer): Send money to over 190 countries quickly and securely using the International Money Transfer feature built into the SOLmate app. - [How to buy and use vouchers in the SOLmate app](https://solmate.co.za/help/buy-and-use-vouchers): Purchase prepaid vouchers for airtime, data, electricity, DStv, and betting through the SOLmate app — and troubleshoot if anything goes wrong. - [How do Cash Rewards work?](https://solmate.co.za/help/cash-rewards): Cash Rewards are bonuses earned based on spending with qualifying SOLmate services. Learn eligibility, calculations, payment timing, and how to track them. ## Cash Advance - [What is a SOLmate Cash Advance?](https://solmate.co.za/help/solmate-cash-advance): Learn how SOLmate Cash Advance works, who is eligible, how to apply, repayments, and what happens if payments are missed. ## Manage your account - [Account deletion](https://solmate.co.za/help/account-deletion): Request deletion of your SOLmate account and remove your personal data by contacting support through in-app chat, WhatsApp, or email. - [How do I change my phone number?](https://solmate.co.za/help/change-phone-number): Update your phone number on your SOLmate account, whether you still have access to your old number or not. - [How do I reset my SOLmate App PIN?](https://solmate.co.za/help/reset-solmate-pin): Reset or change your SOLmate app PIN by logging in, navigating to Settings, and verifying your identity with an OTP. ## Download the App - [Where do I download the SOLmate app without the app stores?](https://solmate.co.za/help/download-solmate-app): Download the SOLmate app APK directly for secure, simple payments without app store requirements. ## Fees and Limits - [Fees for SOLmate](https://solmate.co.za/help/solmate-fees): Comprehensive breakdown of SOLmate fees — account packages, bank transfers, card usage, and internal transfers. - [Limits for SOLmate](https://solmate.co.za/help/solmate-limits): SOLmate's transaction limits are risk profile dependent. Daily combined transaction limit is R10,000 and monthly limit is R25,000 across all services. ## How to use SOLmate - [How to receive your salary or payments](https://solmate.co.za/help/receive-salary-or-payments): Receive salaries, payments, and deposits into your SOLmate wallet via EFT, ATM, or cash top-ups at participating retailers. ## Contact Details & Support Hours - [How and when to contact support](https://solmate.co.za/help/contact-support): Reach SOLmate support 7 days a week via in-app chat, WhatsApp, or email. Get help with your account and transactions during our extended support hours. ## Referral Program - [What is the referral program?](https://solmate.co.za/help/referral-program): The SOLmate referral program lets you earn R90 by inviting friends to join the app and order a card. Learn how to refer friends and receive rewards. ## About Us - [What is SOLmate?](https://solmate.co.za/help/what-is-solmate): SOLmate is a secure, mobile-first digital payments platform for South Africa — receive money, send funds, pay bills, and manage finances from your phone. ## Legal - [Terms and Conditions](https://solmate.co.za/terms-and-conditions): Terms for using SOLmate services. Operated by SOL Ecosystem (Pty) Limited (FSP 52248). - [Privacy Policy](https://solmate.co.za/privacy-policy): How SOL Ecosystem (Pty) Limited collects, uses, and protects your personal data.