The basics
One balance, and an account number that fills it
The reason paying a bill feels like a chore is rarely the bill. It is finding the card, typing it again, and having nothing to show afterwards. Mdiho moves all of that to the start: top up once, then spend from it.
- Top up from
- Any bank
- Usually reflects in
- ~1 min
- Account issued
- In your name
- Cards needed
- None
- 01
The number is yours from day one
Once your identity is checked, a dedicated account number is issued at a partner bank under your own name. Nothing extra to apply for.
- 02
Send to it like any other account
From your salary account, a USSD transfer, or somebody else paying you back — it all lands in the same balance.
- 03
Then stop thinking about it
Every service draws from that one balance, so you are never topping up per category or digging out a card mid-payment.
Nobody has to approve it
Inbound transfers are matched and credited automatically. You are not waiting on an agent to confirm your own money.
You can see where you stand
The home screen leads with what is actually spendable, and what has come in and gone out — so there is no guessing before you pay.
Let’s talk
Questions about what we cover, how topping up works, or getting onboarded? Send a note and a person will answer.