Payment methods in Papua New Guinea
BSP's Wantok Wallet launched February 2025, requiring no smartphone or internet — uses USSD for rural financial inclusion.
Market takeaways
- BSP's Wantok Wallet launched February 2025, requiring no smartphone or internet — uses USSD for rural financial inclusion.
- Digicel's CellMoni has approximately 1.6 million individual users (53% of Digicel's PNG customer base).
- Approximately 4.4 million Papua New Guineans are registered mobile phone users.
- Kina Bank introduced Kina Pei in 2025, enabling smartphone tap-to-pay for digitized Visa debit cards.
- Mobile wallets are estimated to potentially bring up to 50% of the unbanked into formal finance.
Population
10.3M
Online population
~2.5M
Banked population
~20%
Credit card population
<5%
Payment method breakdown
- Cash75%
- Mobile Money / Wallet15%
- Card8%
- Bank Transfer2%
Card scheme breakdown
Market data coming soon.
Cross-border e-commerce
Market data coming soon.
Featured payment methods in Papua New Guinea
All payment methods available in this market, sorted by prominence.
BSP Wantok Wallet
Launched February 14, 2025 by BSP Financial Group, Wantok Wallet operates via USSD, requiring no smartphone, no internet access, and no bank account. Users can send and receive money, top up phones, pay bills, and withdraw cash at agents. By April 2025, BSP had 48,646 registered users. Designed specifically for PNG's rural population.
Kina Pei (Kina Bank)
Launched in 2025 by Kina Bank, Kina Pei enables customers to digitize their Visa debit card to tap and pay using their smartphone. This brings NFC contactless payment capability to Kina Bank customers. Kina Bank also offers WhatsApp Banking, allowing users to conduct transactions via the messaging platform.
Visa
Visa is the world's largest card network, enabling credit, debit and prepaid card payments online, in-store and at ATMs across virtually every market. In the listed countries Visa is a core internationally accepted scheme alongside local methods.
Mastercard
Mastercard is a leading global card network supporting credit, debit and prepaid card payments online, in-store and at ATMs worldwide. In the listed countries it is a core internationally accepted scheme.
BSP (Bank South Pacific) Mobile Banking
BSP Financial Group's banking services in Vanuatu, providing account management, debit cards, and basic digital banking for account holders. BSP is the primary commercial bank across multiple Pacific island nations.
CellMoni (Digicel PNG)
Mobile money service operated by Digicel PNG, with approximately 1.6 million individual users (53% of Digicel PNG's customer base). CellMoni supports peer-to-peer transfers, airtime purchases, and merchant payments, making it one of the most widely used financial services in Papua New Guinea.
BSP Mobile Banking App
BSP Financial Group's smartphone-based mobile banking app for account holders. Supports fund transfers, bill payments, and balance checking. BSP is the Pacific's largest bank and the dominant financial institution in PNG.
Featured banks in Papua New Guinea
All banks operating in this market, sorted by prominence.
ANZ Banking Group
Melbourne, Australia
ANZ is Australia's third-largest bank, with a strong institutional banking franchise and significant presence across Asia-Pacific and New Zealand.
Bank South Pacific (BSP Financial Group)
Port Moresby, Papua New Guinea
BSP Financial Group is the Pacific's largest bank, headquartered in Papua New Guinea, with operations across 10 Pacific island nations.
Other Banks — Papua New Guinea
Port Moresby, Papua New Guinea
Aggregate of remaining banks in Papua New Guinea, collectively ~60.0% of domestic banking assets.
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