Your money,
everywhere you are.

One wallet to send to anyone, pay with a scan or a tap, hold virtual and physical cards and move money across borders, with the controls and security a business would expect.

Get MetaCirq See how it works
  • Verified names
  • MTN, Airtel & Zamtel
  • 20+ countries
MetaCirq
Money receivedK250.00 from Mutinta Banda

Hello Thandiwe!

@thandi.m

2 cardsVirtual Card
Wallet

ZMW 12,480.50

Add Money +
All TransactionsSee more ›

Money sent to Mwila (mwila_b)

13/11/2026 | 17:58 | Fri
K250.00Completed

Money received from Chanda Lungu

13/11/2026 | 17:57 | Fri
K1,200.00Completed

Scan to Pay · Kalulu Stores

12/11/2026 | 22:56 | Thu
K96.40Completed

Try it: tap the eye, the bell or Send.

✓
Account verifiedMUSA BANDA · Zanaco
⇄
KES 4,812.50arrives in Kenya · instant
4ways to send money
20+countries reachable
3mobile networks to top up from
24/7instant wallet transfers

A complete financial toolkit, not just a wallet.

Every feature in the MetaCirq app, designed around how people in Zambia actually pay and get paid.

Explore all features

Smart wallet

Hold Kwacha, see every transaction, receipts as PDF, and a balance you can hide with a tap.

Send to anyone

To a MetaCirq user by phone, username, email or QR, or to any mobile money wallet or bank account.

Send abroad

Mobile money and bank payouts across Africa, the UK, Europe, Canada and the US, with the fee shown up front.

Scan to Pay

Pay a person or a shop by scanning their code, or show yours to get paid. Works from a photo too.

Tap to Pay (NFC) Android

Hold phones together to pay. The recipient's name appears before you confirm. Available on Android devices.

Virtual & physical cards

Create a Visa virtual card instantly or order a physical one. Freeze, set limits or delete it, right from the app.

Live exchange rates

Convert Kwacha against the world's currencies in real time and see what your balance is worth.

Bank level security

PIN and biometrics, one device at a time, "Was this you?" alerts and verified names before you pay.

Four rails. One clear price.

Pick where the money goes. MetaCirq checks the recipient's name first and shows exactly what it costs before you confirm.

    How sending works

    Send to a MetaCirq user

    Instant
    Fee
    Total from wallet
    Recipient gets

    Send with MetaCirq

    Scan it. Tap it. Done.

    Every MetaCirq account has its own payment code. Scan to pay a shop or a friend, share your code to get paid, or, on Android, hold two phones together with NFC.

    • Scans in a blink. The camera reads a code almost as soon as it's in view.
    • Name before you pay. You always see who you're paying.
    • Works without the camera. Upload a photo of a code or type it in.

    Tap to Pay is available on Android devices only. Apple currently restricts payment apps other than its own from using the iPhone's NFC capabilities for this kind of payment, so Tap to Pay is not available on iPhone. iPhone users can pay just as quickly with Scan to Pay or by sharing their payment code.

    Your Visa card, under your control.

    Create a virtual card in seconds for online payments, or order a physical card delivered to you. Manage both from the app.

    Everything about cards
    FreezePause a card instantly, unfreeze any time.
    LimitsSet your monthly limit up to K100,000.
    ReportBlock a lost or stolen card in one step.
    CopyCopy your number to pay at checkout.

    Exchange rates

    Live

      Indicative rates for illustration; the app shows live rates.

      Know what your Kwacha is worth.

      Follow the currencies that matter to you, convert any amount on the spot, and see your wallet balance in each of them.

      • Add the currencies you follow. Swipe to remove the rest.
      • Tap any amount to convert. Every row updates together.

      Protection built into every step.

      Your money is guarded on the phone, in the app and on our servers, so a lost phone or a wrong number doesn't become a lost payment.

      How we protect you
      PIN & biometricsUnlock with Face ID or fingerprint; approve payments with your PIN.
      One device at a timeSigning in on a new phone signs out the old one.
      "Was this you?" alertsKnow instantly when your account is used somewhere new.
      Verified namesSee the account holder's name before money leaves.
      Secure server ledgerBalances change only on our servers, checked against the ledger daily.
      Automatic refundsIf a payout fails, the amount and fee go straight back to you.

      Simple, transparent pricing.

      No monthly fees. You only pay when money leaves your wallet, and you always see the fee first.

      See full pricing

      Receive money

      Free

      from any MetaCirq user

      To a MetaCirq user

      1.5%

      instant, any time

      To mobile money

      2.5%

      MTN, Airtel, Zamtel

      To a bank account

      3%

      any Zambian bank

      Abroad

      $0.60+

      per transfer, by destination

      Standard

      Every new account

      • Wallet balanceup to K20,000
      • Per transferup to K20,000
      • VerificationPhone, ID & selfie

      Upgraded For power users

      On request, after review

      • Wallet balanceup to K500,000
      • Per transferup to K100,000
      • Sent per dayup to K100,000

      Get paid the way your customers already pay.

      Accept MetaCirq with a printed code or one on screen, take NFC payments on Android phones, and move funds to your bank account. Built to reach every mobile network and bank in Zambia.

      MetaCirq for businessRead the FAQ

      Where MetaCirq reaches

      MetaCirqwallet to wallet
      MTN Moneymobile money
      Airtel Moneymobile money
      Zamtel Kwachamobile money
      Zambian banksverified accounts
      20+ countriesbank & mobile

      Questions, answered.

      How do I open a MetaCirq account?

      Download the app, enter your details, verify your phone number and email, and take a photo of your ID and a selfie. You'll set a PIN and can turn on biometrics.

      How do I add money?

      Choose Add Money, pick MTN, Airtel or Zamtel, and approve the prompt on your phone. Any fee is shown before you approve.

      Can I see who I'm sending to before I pay?

      Yes. MetaCirq looks up the account holder's name for MetaCirq users, mobile money numbers and bank accounts, and shows it before you confirm.

      What happens if a transfer fails?

      If a payout to mobile money, a bank or abroad can't be completed, the full amount and the fee are returned to your wallet automatically, and you're notified.

      Which countries can I send money to?

      Mobile money and bank payouts across Africa, including Kenya, Ghana, Tanzania, Uganda, Rwanda, DR Congo and South Africa, plus the UK, Europe, Canada and the US.

      Can I use Tap to Pay on iPhone?

      Not at the moment. Tap to Pay uses NFC, and Apple currently restricts payment apps other than its own from using the iPhone's NFC capabilities for payments between phones. Tap to Pay is therefore available on Android devices only. On iPhone, every other MetaCirq feature works in full, and you can pay in person with Scan to Pay or your payment code.

      How do I raise my limits?

      Request an upgrade from Settings. Upgraded accounts can hold up to K500,000 and send up to K100,000 a day.

      Money that moves with you.

      Get MetaCirq on your phone and send your first payment in minutes.

      Download on theApp Store Get it onGoogle Play