Swazi Lilangeni

Standard Bank operates a full retail banking network in Eswatini, issuing Visa and Mastercard cards and providing mobile and internet banking. As with Nedbank, Standard Bank's South African heritage means its digital services are regionally integrated and capable of cross-border transactions within the CMA.

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 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.

Nedbank Eswatini is one of the largest commercial banks in the country, offering retail banking, debit and credit cards (Visa/Mastercard), mobile banking via the Nedbank app, and internet banking. Given South Africa's Nedbank parent, the app and infrastructure are closely aligned with South African digital banking standards.

MTN MoMo is the leading mobile money service in Eswatini, offering P2P transfers, merchant payments, bill payments, airtime top-up, and savings products. It is the primary digital financial tool for the unbanked population and is widely used even by banked consumers for everyday payments. MTN Eswatini has the largest mobile subscriber base in the country.

Aggregate of remaining banks in Eswatini, collectively ~100.0% of domestic banking assets.