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    For security reasons we do not recommend the communication of any banking data via email or phone.

    Please note that you should not access the links contained in any message received on behalf of Moza Banco.

    If you receive messages requesting information, passwords and other bank details, you should delete the message and never access the links or open their attachments.

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Learn about the main features:          Checking balances, movements and IBAN;          National transfers;          Debit and credit card control;          Card request;          Setting up Term Deposits;          Loan Simulations;          Control over loan accounts.          Multiple Transfers          Payment of invoices;          Possibility of reusing details from recent operations;          Consultation of transaction details and confirmation slip extraction for all transactions.
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At your side everywhere! With Moza Mobile, you can access your account, make payments and transfers wherever you might be. All you need  is to have access to a mobile network. It’s simple, fast and free. To manage your every day with Moza Mobile isn´t easy. It’s super easy! How does it work? Click here and download your mobile app. Access credentials are the same as those of your Internet Banking.
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This Insurance guarantees the coverage of expenses arising from the death of the Insured Person, thus constituting a support for their loved ones. Advantages: Different coverage options, to cater to your needs; Accessible monthly premiums; Available up until 65 years of age, with permanence until 70 years of age; Simple premium payment process, executed through direct debit
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Thinking of you, Moza has created a payment method that is easy to use, secure and with international prestige, with access to all the benefits of Visa Network in restaurants, shops, travel and much more. This is the ideal card to make purchases and withdrawals (cash-advance) in Mozambique or abroad. Benefits: Valid in Mozambique and abroad; Valid for Automatic Teller Machines (ATMs) and POS identified with the Visa or Ponto 24 symbol; Convenient, modern and secure payment method; Access to a permanent credit line; Possibility of partial payments; Insurance cover associated with the card; More security in transactions through a chip incorporated within the card; Global assistance from Visa network; Benefits at partner outlets connected to the Visa network (travel, hotels, restaurants, shopping/shops, entertainment and lifestyle); Provides distinction and exclusivity; It is valid nationally and globally; It is convenient, modern and secure; Access to credit available for a period of 20 to 50 days; Possibility of making a minimum payment of 15% of the outstanding balance; Benefit from a range of insurance covers associated with the card; Access to a range of exclusive Visa benefits (travel and accommodation, shopping, and lifestyle); It has a built-in chip which offers greater security in transactions. Global helpdesk services: International helpdesk available 24 hours a day, 7 days a week, 365 days a year in emergency situations such as lost or stolen cards, among others by contacting: In the U.S. and Canada:                              +1-800-847-2911 Outside the U.S. and Canada:                       +1-303-967-1096 - Medical and legal assistance: Medical and legal assistance while travelling abroad by contacting: +44 (0) 2087628373; - Travel and accommodation: Access to a range of discounts on travel and accommodation for bookings made through platforms connected to Visa; - Lifestyle: Access to a range of discounts in restaurants at international airports. - Avis car rental: Discounts and privileges at AVIS for all VISA card holders. Reservations must be made using the code N144300. Conditions for access: completion and signature of the form “Subscription and Payment Methods”.
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Partnership between Clube Moza and UniSave empowers youth and promotes menstrual dignity
03/07/2025

The social responsibility arm of Moza Banco, Clube Moza, and Save University (UniSave) have recently signed a Memorandum of Understanding (MoU) establishing a strategic partnership to enhance actions in support of youth inclusion, gender equity, and the promotion of menstrual dignity.

Under the terms of the agreement, UniSave students will benefit from training through the Accelerated Skills Development Programme, which aims to strengthen English language proficiency and other key transversal skills essential for employability and entrepreneurship.

Additionally, the memorandum includes the integration of the topic of menstrual dignity into UniSave's teacher training curriculum, ensuring that future educators are sensitive to the needs of female students and promote an inclusive, gender-aware educational approach both within and beyond the university setting.

During the MoU signing ceremony, there was also an opportunity to present commercial proposals, allowing university staff to learn about and potentially subscribe to Moza Banco's services. This initiative concluded with the official opening of UniSave’s institutional account at Moza Banco.

According to Professor Dr Catarina Nhapossa, Rector of Save University, the signed memorandum reflects the shared commitment of both institutions to driving meaningful change for the wellbeing of young people, particularly women and girls.

“By signing this Memorandum with Clube Moza, we are bridging the gap between academia and community engagement. English language training and the focus on menstrual dignity are powerful tools for social empowerment. We want our students—especially future teachers—to leave university prepared to transform the communities they will serve. This collaboration is an example of how the university can go beyond classrooms to make a positive impact on the nation,” the Rector affirmed.

Inácio Fernando, President of Clube Moza, also highlighted the strategic relevance of the initiative:

“Today we celebrate a strategic alliance that places girls at the heart of development. Clube Moza's mission is to open pathways, create opportunities, and transform realities through education and volunteerism. By joining forces with us, Save University is showing that Mozambican higher education is aligned with the contemporary challenges of inclusion, sustainability, and social justice. The integration of menstrual dignity into the university curriculum is a milestone. This partnership is more than a protocol—it is a commitment to the country’s future,” he emphasised.

Manuel Soares, Chief Executive Officer of Moza Banco, reinforced that such initiatives aim primarily to improve the lives of Mozambicans:

“They reflect our core values, especially ‘winning together,’ which is about practicing love for others, unity, and solidarity.”

These and other initiatives reaffirm Moza Banco’s continued commitment—through all its affiliates—to supporting sustainable human development and creating positive social impact, via strategic alliances with key institutions in the education, health, environment, and other sectors. 

Moza Banco's Gross Profit reaches 1.2 billion Meticais in 2024
01/05/2025

Moza Banco strengthened its position among the country's most resilient and dynamic financial institutions by achieving an operating profit of 1.178 billion meticais in 2024, demonstrating the consistency of the bank's operating performance, which has been consolidating an average annual growth rate of 20.4 per cent over the last five years.

This performance reflects the Bank's resilience in a year marked by cyclical challenges, including maintaining mandatory reserves and a prolonged period of economic and social instability.

The bank stood out for its 16 per cent growth, corresponding to 6.8 billion meticais in deposits, and for the expansion of its customer base to 261,864, an increase of around 8 per cent. Moza Banco's financial strength was also reinforced by the granting of 3.8 billion meticais in loans to families and companies, reaffirming its commitment to financing the Mozambican economy.

The commitment to digital transformation also made significant progress, with a 33.3 per cent increase in the volume of digital transactions and the entry of 182,000 new users, an increase of 7.6 per cent.

Total assets grew by 9 per cent to 5.8 billion meticais, while the NPL ratio (an indicator in line with the European Banking Authority) improved to 11.79 per cent, a reduction of 1.76 percentage points. The overall cost-to-income ratio stood at 45.4 per cent, an improvement of 9.5 percentage points, reflecting efficient management in line with international best practices.

Moza Banco reaffirmed its position as the country's 5th largest bank in 2024, with a market share of 6.39% in assets and credit and 6.69% in deposits, and was recognised for the third year running as one of the best institutions to work for in Mozambique. Its strategy is based on digital modernisation, sustainability and consolidating stakeholder trust, guided by the values of Ambition, Resilience, Integrity and Collaboration.

Despite the significant growth in operating results over the year, the Bank adopted a prudent and responsible approach, substantially reinforcing impairments. As a result, the 2024 financial year ended with a net loss of -103.8 million meticais, very close to breakeven, were it not for the extraordinary and exogenous impacts that marked the period. Nevertheless, the solvency and liquidity indicators remain robust, with a solvency ratio of 15.81 per cent and a liquidity ratio of 37.14 per cent, both above the regulatory minimums.

In 2025 Moza Banco showed a significant improvement compared to last year's performance. In the first three months of the year, the Bank recorded a positive net profit of 4 million meticais, an improvement of 51.6 million meticais compared to the same period in 2024. The Bank also improved its liquidity indicators (43.23 per cent) and kept its solvency ratio above the regulatory limits. It also continued to provide credit during the first quarter of this year, providing Mozambican families and above all investors with a total of 463.8 million meticais in credit to boost the national economy.

According to the Chairperson of Moza's Executive Committee, Manuel Soares, "we are building a path of sustainable growth, with a focus on customer satisfaction and operational efficiency. The positive results demonstrate our ability to adapt and the strength of our business model, even in complex scenarios," he highlighted.

Moza Banco continues to establish itself as a strategic partner for the country's economic development, with a majority national shareholder structure and a diversified range of financial solutions for all segments. The trust of customers and partners, combined with disciplined management and strategic vision, continues to drive Moza Banco towards a new phase of sustainable growth, consolidating its place among the most important financial institutions in Mozambique.

Moza Banco has impacted around one million people with inclusive financial education
13/03/2025

 Between 2023 and 2024, Moza Banco reinforced its commitment to financial inclusion by expanding the "Conta com o Moza" (“Count on Moza”) radio programme, an initiative that aims to promote financial education among people in rural and remote regions of the country, using local languages.

It is estimated that around one million people have benefited in 10 districts in the centre and north of the country, namely in Chimbunila and Majune (Niassa), Memba and Murrupula (Nampula), Derre (Zambézia); Gondola, Machaze and Vanduzi (Manica) and Tsangano and Zumbu (Tete).

The programme was carried out through 10 community radio stations, in seven local languages, in particular Ndau, Sena, Emakwa and Yao.  

The majority of the population covered is engaged in subsistence farming, and who until the time the project was implemented had little knowledge of savings and investment, so it was necessary to use accessible and detailed terms and language to build a new mentality about money within the communities.

According to the population, "Conta com o Moza not only raised their level of financial literacy, but also encouraged the responsible and conscious use of financial services and products, fostering conscious decisions about the use of money for individual and collective development". 

 However, the usefulness and innovation of 'Conta com o Moza' has not only been recognised in the communities it covers. In 2023, for example, the programme earned international recognition by winning Bronze in the Branded Content on Radio category at the prestigious Lusophone Creativity Awards 2022-2023.

It was a recognition that reinforced the relevance of the project, especially in the communities already taking part.

By promoting concepts, best practices and tips on financial security in local languages, Moza Banco's ambition is to contribute to improving the quality of life and well-being of rural populations, ensuring that they know how to save and invest their resources, generating wealth for themselves and the community.

 

 

See MoreSee More
Partnership between Clube Moza and UniSave empowers youth and promotes menstrual dignity
03/07/2025

The social responsibility arm of Moza Banco, Clube Moza, and Save University (UniSave) have recently signed a Memorandum of Understanding (MoU) establishing a strategic partnership to enhance actions in support of youth inclusion, gender equity, and the promotion of menstrual dignity.

Under the terms of the agreement, UniSave students will benefit from training through the Accelerated Skills Development Programme, which aims to strengthen English language proficiency and other key transversal skills essential for employability and entrepreneurship.

Additionally, the memorandum includes the integration of the topic of menstrual dignity into UniSave's teacher training curriculum, ensuring that future educators are sensitive to the needs of female students and promote an inclusive, gender-aware educational approach both within and beyond the university setting.

During the MoU signing ceremony, there was also an opportunity to present commercial proposals, allowing university staff to learn about and potentially subscribe to Moza Banco's services. This initiative concluded with the official opening of UniSave’s institutional account at Moza Banco.

According to Professor Dr Catarina Nhapossa, Rector of Save University, the signed memorandum reflects the shared commitment of both institutions to driving meaningful change for the wellbeing of young people, particularly women and girls.

“By signing this Memorandum with Clube Moza, we are bridging the gap between academia and community engagement. English language training and the focus on menstrual dignity are powerful tools for social empowerment. We want our students—especially future teachers—to leave university prepared to transform the communities they will serve. This collaboration is an example of how the university can go beyond classrooms to make a positive impact on the nation,” the Rector affirmed.

Inácio Fernando, President of Clube Moza, also highlighted the strategic relevance of the initiative:

“Today we celebrate a strategic alliance that places girls at the heart of development. Clube Moza's mission is to open pathways, create opportunities, and transform realities through education and volunteerism. By joining forces with us, Save University is showing that Mozambican higher education is aligned with the contemporary challenges of inclusion, sustainability, and social justice. The integration of menstrual dignity into the university curriculum is a milestone. This partnership is more than a protocol—it is a commitment to the country’s future,” he emphasised.

Manuel Soares, Chief Executive Officer of Moza Banco, reinforced that such initiatives aim primarily to improve the lives of Mozambicans:

“They reflect our core values, especially ‘winning together,’ which is about practicing love for others, unity, and solidarity.”

These and other initiatives reaffirm Moza Banco’s continued commitment—through all its affiliates—to supporting sustainable human development and creating positive social impact, via strategic alliances with key institutions in the education, health, environment, and other sectors. 

Moza Banco's Gross Profit reaches 1.2 billion Meticais in 2024
01/05/2025

Moza Banco strengthened its position among the country's most resilient and dynamic financial institutions by achieving an operating profit of 1.178 billion meticais in 2024, demonstrating the consistency of the bank's operating performance, which has been consolidating an average annual growth rate of 20.4 per cent over the last five years.

This performance reflects the Bank's resilience in a year marked by cyclical challenges, including maintaining mandatory reserves and a prolonged period of economic and social instability.

The bank stood out for its 16 per cent growth, corresponding to 6.8 billion meticais in deposits, and for the expansion of its customer base to 261,864, an increase of around 8 per cent. Moza Banco's financial strength was also reinforced by the granting of 3.8 billion meticais in loans to families and companies, reaffirming its commitment to financing the Mozambican economy.

The commitment to digital transformation also made significant progress, with a 33.3 per cent increase in the volume of digital transactions and the entry of 182,000 new users, an increase of 7.6 per cent.

Total assets grew by 9 per cent to 5.8 billion meticais, while the NPL ratio (an indicator in line with the European Banking Authority) improved to 11.79 per cent, a reduction of 1.76 percentage points. The overall cost-to-income ratio stood at 45.4 per cent, an improvement of 9.5 percentage points, reflecting efficient management in line with international best practices.

Moza Banco reaffirmed its position as the country's 5th largest bank in 2024, with a market share of 6.39% in assets and credit and 6.69% in deposits, and was recognised for the third year running as one of the best institutions to work for in Mozambique. Its strategy is based on digital modernisation, sustainability and consolidating stakeholder trust, guided by the values of Ambition, Resilience, Integrity and Collaboration.

Despite the significant growth in operating results over the year, the Bank adopted a prudent and responsible approach, substantially reinforcing impairments. As a result, the 2024 financial year ended with a net loss of -103.8 million meticais, very close to breakeven, were it not for the extraordinary and exogenous impacts that marked the period. Nevertheless, the solvency and liquidity indicators remain robust, with a solvency ratio of 15.81 per cent and a liquidity ratio of 37.14 per cent, both above the regulatory minimums.

In 2025 Moza Banco showed a significant improvement compared to last year's performance. In the first three months of the year, the Bank recorded a positive net profit of 4 million meticais, an improvement of 51.6 million meticais compared to the same period in 2024. The Bank also improved its liquidity indicators (43.23 per cent) and kept its solvency ratio above the regulatory limits. It also continued to provide credit during the first quarter of this year, providing Mozambican families and above all investors with a total of 463.8 million meticais in credit to boost the national economy.

According to the Chairperson of Moza's Executive Committee, Manuel Soares, "we are building a path of sustainable growth, with a focus on customer satisfaction and operational efficiency. The positive results demonstrate our ability to adapt and the strength of our business model, even in complex scenarios," he highlighted.

Moza Banco continues to establish itself as a strategic partner for the country's economic development, with a majority national shareholder structure and a diversified range of financial solutions for all segments. The trust of customers and partners, combined with disciplined management and strategic vision, continues to drive Moza Banco towards a new phase of sustainable growth, consolidating its place among the most important financial institutions in Mozambique.

Moza Banco has impacted around one million people with inclusive financial education
13/03/2025

 Between 2023 and 2024, Moza Banco reinforced its commitment to financial inclusion by expanding the "Conta com o Moza" (“Count on Moza”) radio programme, an initiative that aims to promote financial education among people in rural and remote regions of the country, using local languages.

It is estimated that around one million people have benefited in 10 districts in the centre and north of the country, namely in Chimbunila and Majune (Niassa), Memba and Murrupula (Nampula), Derre (Zambézia); Gondola, Machaze and Vanduzi (Manica) and Tsangano and Zumbu (Tete).

The programme was carried out through 10 community radio stations, in seven local languages, in particular Ndau, Sena, Emakwa and Yao.  

The majority of the population covered is engaged in subsistence farming, and who until the time the project was implemented had little knowledge of savings and investment, so it was necessary to use accessible and detailed terms and language to build a new mentality about money within the communities.

According to the population, "Conta com o Moza not only raised their level of financial literacy, but also encouraged the responsible and conscious use of financial services and products, fostering conscious decisions about the use of money for individual and collective development". 

 However, the usefulness and innovation of 'Conta com o Moza' has not only been recognised in the communities it covers. In 2023, for example, the programme earned international recognition by winning Bronze in the Branded Content on Radio category at the prestigious Lusophone Creativity Awards 2022-2023.

It was a recognition that reinforced the relevance of the project, especially in the communities already taking part.

By promoting concepts, best practices and tips on financial security in local languages, Moza Banco's ambition is to contribute to improving the quality of life and well-being of rural populations, ensuring that they know how to save and invest their resources, generating wealth for themselves and the community.

 

 

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