---
title: "YMO: Money Transfers, Bill Payments and Airtime"
description: "Send instant money to Guinea by phone number from Europe with 0 transfer and withdrawal fees. Cash out at 10,000+ points, even in villages."
canonical_url: "https://liners.com/ymo"
markdown_url: "https://liners.com/ymo.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/ymo/screenshot.webp?v=1773038472147"
published_at: "2026-03-14T11:24:36.750Z"
updated_at: "2026-10-05T03:01:10.911Z"
---

# YMO: Money Transfers, Bill Payments and Airtime

Send instant money to Guinea by phone number from Europe with 0 transfer and withdrawal fees. Cash out at 10,000+ points, even in villages.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [YMO](/ymo)

## Summary

Send money to Guinea with zero transfer and withdrawal fees

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://ymo.africa/ |
| Tagline | Send money to Guinea with zero transfer and withdrawal fees |
| Primary country | Guinea |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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 **Guinean diaspora in Europe** (including France, Switzerland, and the UK) sending money home, alongside **local users in Guinea** who want digital payments and airtime recharges.

Notable in the Guinea market context, the service promotes a **published exchange rate** (example shown: **1 EUR = 10,500 GNF**), supports a **referral program** that credits **10€** on a friend’s first transfer, and operates as an **Electronic Money Establishment** regulated by the **Central Bank of the Republic of Guinea** (N°D/2022/001 /DSIFI/EME/CAM DU 14 Avril 2022).

## Features

- [Fintech](/categories/fintech): Category
- [Agent Network](/tags/agent-network): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [Remittances](/tags/remittances): Product feature or technology
- [Guinea](/countries/guinea): Market

## Related pages

- [Alternatives](/ymo/alternatives)
- [Reviews](/ymo/reviews)
- [Transparency](/ymo/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/ymo)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)