D-Money review
Updated October 13, 2026 · HodlCue Editorial Team
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Our verdict
D-Money is the mobile money service from Djibouti Telecom for people handling daily transfers and payments by phone. It gathers person to person transfers, merchant payments, bill payments, airtime top ups, cash deposits, cash withdrawals, bank links and online payment in one clear application.
Key facts
- Best for
- Everyday mobile payments across Djibouti by phone
- Official website
- d-money.dj
Pros and cons
Pros
- Sends money to contacts across Djibouti even when they hold no account.
- Works with or without internet access through a short phone code.
- Links bank accounts with the wallet for transfers in both directions.
- Accepts merchant and website payments directly from a phone wallet.
Cons
- Focuses only on Djibouti, which limits use outside the country.
- Requires an in person visit with identity documents to activate.
- Runs through a single mobile application tied to one operator.
Ready to try D-Money?
Who it suits
- People sending money to family across Djibouti
- Customers paying merchants and bills by phone
- Bank customers moving funds to a mobile wallet
Who should look elsewhere
- People seeking services outside Djibouti
How D-Money compares
Frequently asked questions
What does D-Money offer?+
D-Money provides person to person transfers, cash deposits and cash withdrawals, merchant payments, airtime top ups, bill payments, bank to wallet transfers and online payment. All these operations sit inside one application designed for daily use. The wallet works from a phone with or without internet access.
Where does D-Money work?+
D-Money operates across Djibouti for transfers, payments, deposits and withdrawals. Money can reach contacts anywhere in the country, even contacts without a wallet. Cash handling takes place through Djibouti Telecom local agencies, agents and distributors.
Which company stands behind D-Money?+
D-Money is the mobile money service created by Djibouti Telecom. It runs as an electronic wallet for the operator customers handling daily transfers and payments. The platform is hosted inside the secure network of Djibouti Telecom for continuous operation.
How do cash deposits and withdrawals work with D-Money?+
Cash deposits add funds to the wallet through Djibouti Telecom agencies, agents and distributors. Cash withdrawals release wallet funds as cash through the same network. Both actions keep everyday money management close to the phone.
What can merchants do with D-Money?+
Shops accept phone payments from D-Money wallets for in person purchases. Websites and applications accept D-Money through a payment interface for online payment. These tools let merchants collect payments directly from customers without handling any cash.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Card type, Protection.
D-Money
Everyday mobile payments across Djibouti by phone