Payment methods in Samoa

Oceania

4methods

3banks

Digicel's MyCash is the primary mobile wallet in Samoa, supporting cross-border transfers to Fiji, Tonga, and Vanuatu.

Market takeaways

Digicel's MyCash is the primary mobile wallet in Samoa, supporting cross-border transfers to Fiji, Tonga, and Vanuatu.
Digicel Samoa partnered with Ria Money Transfer in 2026 to enable international remittances into MyCash wallets.
Remittances are a major economic driver, with the Samoan diaspora in New Zealand, Australia, and the USA sending significant flows.
Samoa launched its digital payments system in 2023, per ADB regional reporting.
Cash remains dominant, particularly outside Apia, but mobile penetration provides a path to financial inclusion.

Population

0.22M

Online population

~0.13M

Banked population

~30%

Credit card population

<10%

Payment method breakdown

Cash70%
Mobile Money / Wallet20%
Card8%
Bank Transfer2%

Card scheme breakdown

Market data coming soon.

Cross-border e-commerce

Market data coming soon.

Featured payment methods in Samoa

Popular options based on coverage and prominence in this market.

Western Union / MoneyGram

International money transfer services operating through agent networks in Samoa. Critical for receiving remittances from the Samoan diaspora in New Zealand, Australia, and the United States. These services account for a significant share of formal financial inflows.

ANZ Samoa / BSP Samoa

ANZ and BSP are among the commercial banks operating in Samoa, providing mobile banking apps for account holders. These support domestic transfers and bill payments for the banked segment of the population.

MyCash (Digicel Samoa)

Samoa's leading mobile wallet, operated by Digicel Samoa as part of the broader Digicel Pacific MyCash platform. MyCash supports peer-to-peer transfers, international remittances, and cross-border transfers to Fiji, Tonga, and Vanuatu. A 2026 partnership with Ria Money Transfer added the ability to receive international transfers directly into the MyCash wallet, with cash pickup at Digicel retail stores including SNPF Plaza and Faleolo International Airport.

Visa / Mastercard

International cards are accepted at hotels, larger retailers, and tourist-facing businesses in Apia. Issued by local banks such as ANZ Samoa and National Bank of Samoa to qualifying customers.