You can withdraw money by visiting another agent, who checks that you have sufficient funds before debiting your account and handing over the cash.

Once you have signed up, you pay money into the system by handing cash to an agent (usually a mobile operator's airtime vendor), who credits the money to your mobile-money account.

You can also send money to other people, who will be sent a text message containing a special code that can be taken to an agent to withdraw cash.