Payment methods in Samoa
Digicel's MyCash is the primary mobile wallet in Samoa, supporting cross-border transfers to Fiji, Tonga, and Vanuatu.
Market takeaways
- Digicel's MyCash is the primary mobile wallet in Samoa, supporting cross-border transfers to Fiji, Tonga, and Vanuatu.
- Digicel Samoa partnered with Ria Money Transfer in 2026 to enable international remittances into MyCash wallets.
- Remittances are a major economic driver, with the Samoan diaspora in New Zealand, Australia, and the USA sending significant flows.
- Samoa launched its digital payments system in 2023, per ADB regional reporting.
- Cash remains dominant, particularly outside Apia, but mobile penetration provides a path to financial inclusion.
Population
0.22M
Online population
~0.13M
Banked population
~30%
Credit card population
<10%
Payment method breakdown
- Cash70%
- Mobile Money / Wallet20%
- Card8%
- Bank Transfer2%
Card scheme breakdown
Market data coming soon.
Cross-border e-commerce
Market data coming soon.
Featured payment methods in Samoa
All payment methods available in this market, sorted by prominence.
ANZ (Australia and New Zealand Banking Group)
ANZ (Australia and New Zealand Banking Group) is a major regional bank operating across the Pacific. It provides retail and commercial banking, debit/credit cards, ATMs, and internet/mobile banking to account holders in Fiji, Kiribati, Solomon Islands, Tonga, Tuvalu, Vanuatu and Samoa.
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.
MyCash (Digicel)
Digicel's Pacific mobile money platform operating in Tonga, enabling peer-to-peer transfers and cross-border payments to Fiji, Samoa, and Vanuatu. Supports mobile top-ups and basic merchant transactions.
MyCash (Digicel Tonga)
Digicel's Pacific mobile money platform operating in Tonga, enabling peer-to-peer transfers and cross-border payments to Fiji, Samoa, and Vanuatu. Supports mobile top-ups and basic merchant transactions.
ANZ Samoa / BSP Samoa
ANZ and BSP are among the commercial banks operating in Samoa, providing mobile banking apps for account holders. These support domestic transfers and bill payments for the banked segment of the population.
Western Union / MoneyGram
International money transfer services operating through agent networks in Samoa. Critical for receiving remittances from the Samoan diaspora in New Zealand, Australia, and the United States. These services account for a significant share of formal financial inflows.
Featured banks in Samoa
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 — Samoa
Apia, Samoa
Aggregate of remaining banks in Samoa, collectively ~100.0% of domestic banking assets.
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