What is YMO and how does it work?

YMO is a fintech platform that enables instant money transfers, bill payments, and e-wallet services to Guinea and its diaspora, accessible via mobile even without internet. Users send money using a phone number, withdraw at over 10,000 collection points across Guinea, or use it for daily payments like gas and bills.

What countries does YMO operate in?

YMO operates in Guinea and serves users from Europe, including France. It is available in over 30 countries for sending money.

How do I sign up for YMO?

Download the YMO Africa app, sign up with your phone number, and follow the prompts to verify your account. You can then send money instantly.

Does YMO have a mobile app?

Yes, YMO has a mobile app available for iOS and Android.

Who is YMO best suited for?

YMO is best suited for the Guinean diaspora sending money home, individuals in Guinea needing digital payments and bill services, and anyone transferring funds to West Africa.

How do I contact YMO support?

Contact YMO support through the app or website; they offer multilingual assistance 7 days a week.

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YMO: Funding, Reviews & Alternatives (2026) – Liners

YMO

🇬🇳 Guinea

A mobile money app for the European diaspora and Guinean users to send instant transfers to Guinea by phone number, withdraw free nationwide, and top up airtime.

Available on:WebAndroidiOS

Visit YMO

YMO is a mobile money and remittance app for people in Europe sending money to recipients in Guinea, and for Guinean users who need everyday transfers and payments.

Key capabilities include:

Instant transfers to Guinea by phone number, with 0 sending fees and 0 withdrawal fees for transfers from Europe, and funds available immediately to the recipient.
Nationwide cash withdrawal through 10,000+ withdrawal points across Guinea, including coverage in remote villages.
Cashless payments for daily expenses such as fuel, taxi rides, and bills, designed to work with or without internet.
Mobile top-ups and data bundles for Guinea operators including Orange, MTN, and Cellcom.

Available on Web, Android, and iOS.

The product primarily targets the (including France, Switzerland, and the UK) sending money home, alongside who want digital payments and airtime recharges.