Mobile Wallets

What is the mobile wallet?

It is a virtual account (on a smartphone) issued by a payment services provider licensed by the Central Bank of Jordan, which helps to carry out financial transactions through mobile phones.

Most E-wallets are programs that run on the user’s personal phone.

How can the mobile wallet be used and what’s its benefits?

Through the E-wallet, you can carry out a lot of electronic cash transactions, including:

  1. Deposit funds into an e-wallet account
  2. Withdraw money from the e-wallet account on your smartphone
  3. Send and transfer money using the e-wallet account on your smartphone, regardless of the type of phone and line
  4. Pay bills and pay off loans using the e-wallet account on your smartphone.

Can I refuse to open a “mobile wallet”?

“Mobile wallets” are being adopted by many humanitarian organizations to as it allows you to budget and save your assistance. If a humanitarian organization requires you to open a mobile wallet, you will need to do so to continue receiving your cash assistance.

What will happen if I do not open a “mobile wallet”?

In the long term, failing to open a “mobile wallet” will have consequences on the continuity of your cash assistance. Remember that the transition from ATM to “mobile wallets” is made for the recipient to enjoy access to more and improved services.

Do I need to have a mobile phone to open a wallet? Do I need to have a smartphone? Will I receive a smartphone when I will open a “mobile wallet”?

In order to open a “mobile wallet” you need a phone and a SIM card.  A smart phone is not required. Humanitarian organizations will not provide you with a phone. It is your responsibility to have one. If you do not have a phone, please make sure to get one before opening a “mobile wallet”.

What happens if I lost my phone?

The money in your mobile wallet account will not be gone if you lost your phone. Kindly note that your account is protected by your password and account number. No one else will be able to access your account, even if they have your phone.

Please note that you must not share the security password and PIN code with anyone.  In the event you lost your phone you should directly contact your service provider. Humanitarian organizations will not be responsible for any loss or damage of your phone.

What if I forgot my password or PIN code?

You need to immediately contact your service provider. However, please note that you will also be able to reset your password or PIN code through the application

What happens if I change my mobile number or lose my SIM card?

Your “mobile wallet” is linked to your phone number. If you change your mobile number or lose the SIM card, immediately contact U-Wallet to make sure that your Iris scan is linked with your wallet.

How many wallets per family can I have?

The Central Bank of Jordan allows each individual to have a maximum of 2 wallet accounts, each linked to different mobile number. However, the assistance for your family will only be channeled through one account.

Can I choose which service provider to open a wallet with?

You have the right to open a wallet with any service provider of your choice. But make sure to go to any U-Wallet shop to link your Iris scan with the wallet.

Will I continue to receive the same amount of assistance if I switch to “mobile wallets” method?

Yes, you will continue to receive the same amount you are currently entitled for, even in a more convenient manner.

Can I spend the money abroad?

No, you will only be able to use the “mobile wallet” in Jordan.

Will I be able to cash-out as before?

Yes, if you issued an ATM card from your service provideryou will be able to continue withdrawing your assistance using the ATM card. Also, you will be able to cash-out from a wider range of touchpoints, such as any of your services provider shops, or any of your service provider’s agent or any ATM machine.

Will I be trained and supported in the use of “mobile wallets”?

Yes, humanitarian agencies will provide you with comprehensive awareness sessions on how to open and use a “mobile wallet”. Also, you can call the helpline in case of addressing any technical issues or questions you may have

Once I will open a “mobile wallet”, shall I expect home visits from humanitarian workers to either re-assess my eligibility or train me on the “mobile wallets”?

No, the switch to “mobile wallets” is unrelated to the eligibility assessment. Also, no door-to-door training will be delivered. Awareness sessions will be conducted in groups.

Do I need to have a bank account to open a Mahfazti e-wallet?

No, you don’t need to have a bank account, you can use your phone to track all your financial transactions

What should I do if I changed my phone or deleted the wallet app?

You need to download the app again and contact your service provider to activate or re-activate the e-wallet

How can I open an E-Wallet?

You can open a wallet by going to the service provider directly or you can use the service provider link, to know the link for each service provide you can use the following link: 

How can register my E-Wallet with UNHCR?

You can go to any Umniah/U-Wallet shop where you will link you Iris scan with the wallet.

Can I issue an ATM card for the wallet?

Yes. You can contact the service provider directly and ask the service provider to issue an ATM card for your wallet.

How can I change the cash delivery method to E-Wallet?

You can open a wallet with any service provider of your choice and then go to an Umniah/U-Wallet shop to link you Iris scan with the wallet.

What are the fees for withdrawal and transfer?

Each service provider has a different fee. You can use the following link to know the fees for each service provider.