In a significant shift in Angola's banking habits, the MULTICAIXA Express mobile application has processed approximately 21.5 trillion kwanzas in transactions during the first nine months of 2026. This milestone marks the first time the app's transaction value has surpassed that of automated teller machines (ATMs) and automatic payment terminals (TPA) within the MULTICAIXA network. According to calculations by the weekly publication Expansão, based on data from the Interbank Services Company (EMIS), the app's transactions exceeded those of the two physical channels by 1.6 trillion kwanzas between January and September.
The growth of MULTICAIXA Express reflects a broader trend of increasing digital banking usage in Angola. During the first nine months of 2026, the MULTICAIXA network processed transactions worth 43.6 trillion kwanzas, representing a 34.4% increase compared to the same period in the previous year. The MULTICAIXA Express app accounted for roughly half of the total transaction value within the network, solidifying its position as a leading electronic payment channel in Angola.
In contrast, during the same period in 2025, ATMs and TPA terminals processed a combined 16.8 trillion kwanzas in transactions, which was surpassed by the app's performance. This shift in banking habits began gaining momentum in 2024, when the digital channel started leading in the number of transactions within the MULTICAIXA network.
The rise of digital payments in Angola is driven by the convenience and accessibility of mobile banking services. These services enable users to conduct transfers, payments, and account inquiries without visiting ATMs or bank branches. In 2025, the MULTICAIXA Express app concentrated around 62% of all transactions within the MULTICAIXA network, exceeding 2.1 billion transactions and processing over 19.7 trillion kwanzas.
Other digital payment systems in Angola have also experienced significant growth. In 2025, the KWiK instant transfer system recorded approximately 35 million transactions, while QR code payments surpassed 53 million transactions. The expansion of digital channels presents new challenges for Angolan banks, particularly in terms of security, service availability, and access to financial technologies.
The success of MULTICAIXA Express highlights the growing importance of mobile devices in facilitating financial transactions in Angola. As digital banking continues to evolve, it is likely to play an increasingly prominent role in the country's financial landscape. The app's performance demonstrates the potential for digital channels to drive financial inclusion and improve the efficiency of banking services.
The growth of digital payments in Angola is expected to continue, driven by the increasing adoption of mobile banking services and the expansion of digital payment systems. As the country's banking sector continues to evolve, it will be essential for banks and financial institutions to invest in secure, reliable, and accessible digital channels to meet the changing needs of their customers.
Key points
- MULTICAIXA Express processed 21.5 trillion kwanzas in transactions during the first nine months of 2026.
- The app accounted for roughly half of the total transaction value within the MULTICAIXA network during this period.
- Digital payments are becoming increasingly popular in Angola, with mobile banking services driving growth in the sector.
