Customer Guide
Customers can use Emali 2.0 across mobile app, web, and USSD channels. Use this page to pick the right guide for the task you need to complete.
Customer channels
| Channel | Best for | Notes |
|---|---|---|
| Mobile app | Everyday wallet use, richer self-service, notifications | Primary experience for smartphone users |
| Customer web portal | Browser-based account access, statements, reporting | Useful on desktop or shared office devices |
USSD *123# |
Low-data access, feature phones, fast assisted service | Starts with English/siSwati selection and keeps the language choice through the session |
Core customer tasks
- Register, sign in, and recover account access
- Check balances, recent activity, and mini statements
- Send money to another customer
- Pay bills and merchant collections
- Buy airtime
- Cash out at an agent till
- Review and approve customer-facing requests
- Manage PIN, language, limits, and account settings
Start here
- For the native Android customer app overview, use the Customer Mobile App Guide.
- For the full native feature index by area, use the Customer Mobile Capability Matrix.
- For feature-phone and low-data flows, use the Customer USSD Guide.
- For browser-based pages and screenshots, use the Customer Portal Guide.
- For browser-based passkey setup and passkey login, use the Customer Passkeys and Sign-In.
- If you are deciding between channels, use the Channels Matrix.
Eswatini sample data used in examples
- Currency:
E - Customer test MSISDN:
+26870000001 - Common billers:
EEC,SWSC - Cash-out till used in examples:
000001
Troubleshooting topics
- Wrong PIN or too many failed PIN attempts
- Insufficient funds or limits reached
- Invalid bill reference, till number, or recipient MSISDN
- Pending versus completed transactions
- Session timeout after inactivity