Instant Fund Transfers

"Secure platform enabling real-time fund transfers between commercial banks, wallets, microfinances, and other financial service providers across The Gambia."

Instant Fund Transfers
About This Service

Instant Fund Transfers

Our Instant Fund Transfer service provides the core infrastructure for real-time, interoperable transactions across banks and mobile money platforms, enabling customers and businesses to move funds quickly, securely, and reliably between any connected Digital Financial Service Provider.

By acting as a central switch, the service enables seamless transfers across networks, including wallet-to-wallet, bank-to-bank, wallet-to-bank, and bank-to-wallet transactions, improving access and reducing fragmentation in the ecosystem.

The platform supports a wide range of use cases, including P2P, B2B, B2C, and G2C payments, covering everyday transfers, business payments, payroll, and government disbursements.

All transactions are processed in real time, with centralized clearing and settlement through an automated engine integrated with the Central Bank of The Gambia’s RTGS system, ensuring immediate availability and accurate reconciliation.
The Process

How It Works

A step-by-step overview of how this service operates.

01

Customer Initiates Transfer

The sender opens their mobile money app or bank app and selects the interoperability transfer option.

02

Recipient Details Entered

The sender enters the recipient's mobile number or account number. The Gamswitch directory resolves the number to the correct destination institution.

03

Transaction Routed via Gamswitch

The sending system sends a transfer request to Gamswitch, which routes it to the recipient's financial institution in real time.

04

Funds Credited Instantly

The recipient's wallet or bank account is credited immediately. Instant confirmation messages via SMS or push notification.

What's Included

Key Features

The capabilities that make this service powerful and reliable.

01

Cross-Platform Transfers

Send money from any mobile wallet to any other wallet or bank account on the Gamswitch network in real time.

02

Instant Notifications

Both sender and recipient receive instant SMS and in-app notifications upon successful transaction completion.

03

Bank-to-Wallet & Wallet-to-Bank

Full two-way integration between mobile money wallets and bank accounts.

04

Transaction Limits Management

Configurable daily and per-transaction limits in compliance with Central Bank of The Gambia guidelines.

Got Questions?

Frequently Asked Questions

Yes. Gamswitch's mobile money interoperability service allows you to send money to any mobile wallet or bank account connected to the Gamswitch network, regardless of the provider.

You will receive an instant SMS confirmation once your transfer is processed. The recipient will also receive a notification that funds have been credited to their account.

Who It's For

Target Customers

This service is designed for the following institutions and organisations.

Mobile Money Operators

Licensed mobile money providers seeking to offer their customers the ability to transact with users of other wallets and banks.

Individual Consumers

Everyday Gambians who use mobile money and want to send funds to anyone, regardless of their wallet or bank.

Microfinance Institutions

MFIs seeking to offer digital payment capabilities to their clients without building their own switching infrastructure.

Commercial Banks

All licensed commercial banks in The Gambia seeking to offer their customers seamless interbank transfer capabilities.

Ready to Get Started?

Interested in Instant Fund Transfers?

Reach out to our team to learn how this service can work for your institution.

Get In Touch