To transfer money from your mHawala wallet to another Etisalat subscriber, please follow these steps:

• Dial *711#

• Select option 1 from the menu and press send.

• Enter the Mobile number.

• Enter the amount you wish to transfer

• Enter your mHawala PIN and press send.

• A screen will appear with amount for the confirmation, reply with 1 to confirm.

• Once the transfer is successful, both you and the recipient will receive a confirmation SMS on your mobile phones.

Subscribers can also complete this transaction using their QR code via their My Etisalat AFG mobile application. To do so, please follow these steps:

Step1: Open My Etisalat AFG app.

Step2: Select mHawala 

Step3: Select Money Transfer.

Step4: Scan the QR code on recipient`s mobile screen.

Step5: Enter amount and press next,

Step۶: Check the details and press next,

Stem6: Enter your mHawala PIN

Step7: A confirmation SMS will be sent upon successful transfer of funds.

To deposit money into your mHawala account:

·       Visit an Etisalat shop or authorized mHawala agent.

·       Inform the shop assistant of the deposit amount.

·       The assistant will use their “mHawala phone” to credit your account in exchange for cash.

·       Both you and the agent will receive a confirmation SMS from mHawala.

To deposit cash via the My Etisalat AFG mobile application:

Step1: Agent opens the EA mobile application.

Step2: Select mHawala.

Step3: Choose Deposit Cash from the agent app.

Step4: Scan the receiver’s dedicated QR code.

Step5: Enter the deposit amount and press Next.

Stem6: Enter your PIN and press Next.

Step7:  A confirmation SMS will be sent to both parties once the transaction is complete.

To deposit cash via USSD:

·       Dial *711#.

·       Reply with 1 (Cashi in)

·       Enter the receiver’s mobile number.

·       Enter the transfer amount.

·       You’ll receive a message confirming the amount and requesting your agent PIN.

·       A confirmation SMS will be sent to both parties once the transaction is complete.

Cash Out (Cash Withdrawal) from mHawala Wallet

With Cash Out, you can convert your available e-money into physical cash through an authorized agent.

To perform a Cash Out transaction from your mHawala wallet, please follow these steps:

·       Dial *711# on your mobile phone.

·       Select Option 2 – Cash Out – from the menu and press Send.

·       Enter the Agent Code or Agent’s mobile number, then press OK.

·       Enter the amount you wish to withdraw.

·       Enter your PIN and press OK.

·       A confirmation screen will display the transaction details – reply with 1 to confirm.

·       Both you and the agent will receive an SMS confirming the successful transaction.

Cash Withdrawal via My Etisalat AFG Mobile App

·       Customer opens the EA Mobile App.

·       Taps on the mHawala tab.

·       Selects “Withdraw Cash” from the mHawala menu.

·       Scans the agent’s dedicated QR code.

·       Enters the withdrawal amount and taps Next.

·       Enters their PIN and taps Next to confirm.

·       Both the customer and agent receive an SMS confirming the successful transaction.

How to View Your Recent Transactions with mHawala (last 3 transaction only)?

You can easily view the last five transactions on your phone by following these simple steps:

Steps to Follow via USSD:

·       Dial 711# from your mobile phone

·       Select Option 6 – My Account

·       Choose Option 1 – Account Statement

·       Select Option 1 – Last Transactions

·       Enter your mHawala PIN and press OK

You will receive an SMS showing your last five transactions, including dates, amounts, and transaction types.

If you want to see the statement of your last transactions, (last three transactions only) please follow the below steps:

• Dial *711#

• Select option 6 from the menu and reply with ok.

• Select 1 from the menu and press ok.

• Select 1 from the menu and press ok.

• Enter your mHawala PIN and press ok.

• You would receive a successful SMS that would show your last five transactions on your mobile phone.  

How to Pay Your DABS Electricity Bill Using mHawala?

DABS electricity bill payment is now available in 5 provinces (Kabul, Herat, Mazar, Jalalabad, and Kandahar).

You can easily pay your electricity bill using your mHawala wallet by following these steps:

Steps to Pay via USSD:

·       Dial 711# from your phone

·       Select Option 3 – Bill Payments

·       Choose Option 2 – Pay bill

·       Select Option 1 – Electricity

·       Select Option 1 – Enter DABS Account

·       Enter your DABS Account Number

·       Enter your mHawala PIN and press Send

·       You will receive an SMS confirmation confirming the successful payment of your electricity bill.

You can also pay your DABS electricity bill directly through the My Etisalat app — fast, easy, and secure.

Steps to Pay via Mobile App:

·       Open the My Etisalat app

·       Go to the mHawala section

·       Tap on Pay Bills

·       Select the Electricity tab

·       Choose DABS Electricity

·       Select Pay via QR Code

·       Your bill details will appear – review them and follow the on-screen instructions

·       Once completed, you’ll receive an SMS confirming successful payment

Important Notes

To pay your electricity bill via mHawala:

·       You must have an Etisalat SIM card

·       You need to be registered for mHawala services

·       Ensure you have sufficient E-Money in your mHawala wallet before making a payment

You can easily make payments through your mHawala wallet using either USSD or the merchant's QR code.

Method 1: Pay via USSD

To make a purchase using USSD, follow these steps:

·       Dial *711# from your phone.

·       Select Option 3 – Merchant Payment.

·       Select Option 1 to proceed with payment.

·       Enter the merchant's mobile number (e.g., 078XXXXXXX).

·       Enter the amount you wish to pay.

·       Enter your PIN and press OK.

·       A confirmation screen will appear showing the transaction details – reply with 1 to confirm.

·       Both you and the merchant will receive an SMS notification confirming the successful payment.

Method 2: Pay via Merchant QR Code

To pay using the EA Mobile App:

·       Open the EA Mobile App.

·       Tap on the mHawala tab.

·       Select "Merchant Payment".

·       Scan the merchant’s QR code.

·       Enter the amount you wish to pay.

·       Enter your mHawala PIN to confirm.

·       The system will process the transaction and display a payment confirmation message.

Salary Disbursement via mHawala

This service is designed specifically for companies looking to streamline salary payments to their employees using the mHawala platform.

mHawala offers two flexible options for salary distribution:

1.       On-Premise Salary Disbursement

Companies can distribute salaries directly to their employees from their own premises using a secure mHawala URL provided for this purpose.

2.       mHawala-Assisted Disbursement

Alternatively, Etisalat mHawala’s main office can manage and distribute salaries on behalf of the company to their staff.

Both options ensure secure, efficient, and traceable salary payments through the mHawala system.

Loan Distribution and Payment Collection via mHawala

This service is designed for companies that want to offer loans to their customers and easily collect payments through mHawala.

With mHawala, companies can:

·       Distribute Loans to Customers

Companies can provide loans to their customers through the mHawala platform, offering a convenient and secure method for loan distribution.

·       Receive Loan Payments

Customers can make repayments through mHawala, ensuring seamless and efficient payment collection for the company.

This solution offers both flexibility and security, making loan management and payment tracking straightforward for businesses.

Access Banking Services via mHawala

To use mHawala for banking transactions, you need:

·       A bank account with a mHawala partner bank.

·       Your CPIN (provided by your bank during registration).

The following banking services are available through mHawala:

1. Transfer Funds from Bank Account to mHawala Account

To transfer funds from your bank account to your mHawala account, follow these steps:

·       Dial *711#.

·       Select Option 4 from the menu and press OK.

·       Select Option 1 and press Send.

·       Select Option 2 and press Send.

·       Enter the amount you wish to transfer and press Send.

·       Enter your CPIN (provided by the bank) and press Send.

·       Enter your mHawala PIN and press Send.

·       A confirmation screen will appear showing the transfer amount – reply with 1 to confirm.

·       You will receive an SMS notification confirming the successful transfer.

2. Transfer Funds from mHawala Account to Bank Account

To transfer funds from your mHawala account to your bank account, follow these steps:

·       Dial *711#.

·       Select Option 4 from the menu and press OK.

·       Select Option 1 and press Send.

·       Select Option 1 (Transfer to Bank) and press Send.

·       Enter the amount you wish to transfer from your mHawala account to your bank account and press Send.

·       Enter your CPIN (provided by the bank) and press Send.

·       Enter your mHawala PIN and press Send.

·       A confirmation screen will appear showing the transfer amount – reply with 1 to confirm.

·       You will receive an SMS notification confirming the successful transfer.

3. Balance Enquiry of Your Bank Account

To check the balance of your linked bank account, follow these steps:

·       Dial *711#.

·       Select Option 4 from the menu and press OK.

·       Select Option 1 (Balance Enquiry) and press Send.

·       Select Option 3 (Bank Account Balance) and press Send.

·       Enter your CPIN (provided by the bank) and press Send.

·       Enter your mHawala PIN and press Send.

·       A confirmation screen will display your current bank account balance.

·       You will receive an SMS notification with your balance details.

These services provide a simple and secure way to manage your bank account and mHawala transactions via mobile.

Receive Money Globally via MoneyGram with mHawala

Etisalat's mHawala customers can now receive funds directly into their mobile wallets through MoneyGram transfers from anywhere in the world. This service offers safe, secure transactions and provides the flexibility to withdraw funds at any Etisalat flagship store, Mini Shops, or authorized agents throughout Afghanistan.

How to Send Money with MoneyGram

To send money via MoneyGram, you will need the following:

·       Sender's Details: Basic personal and financial information.

·       Recipient's Details: Personal and financial information, including their Etisalat MSISDN (mobile number).

Payment Options:

·       Credit/Debit card

·       Bank account

·       Mobile wallet

You can choose to send money either electronically or via cash.

Receiving Money via MoneyGram

Once your MoneyGram transfer is completed, you can easily access the funds by visiting one of the following locations:

·       Any Etisalat flagship store

·       Mini Shops

·       Authorized agents across Afghanistan

To collect your funds, you will need:

·       Your Etisalat MSISDN (mobile number)

·       Valid identification: Original Tazkera or Passport

This service allows your relatives to send money to you from anywhere in the world, providing convenience and security for mHawala users.

mHawala Bundle Activation – Get 100% Extra Benefit!

Now, when you activate any voice or data bundle via your Etisalat mHawala account, you will receive 100% extra benefit for free! You can activate bundles for yourself or for others.

How to Activate a Bundle for Yourself

To activate a bundle for yourself via your mHawala account, follow these steps:

·       Dial *711#.

·       Select 5 for Airtime and Data Recharge.

·       Select 2 for Data Recharge.

·       Select 1 for Self-Bundle Activation.

·       Select 1 for 100% Bonus Bundle.

·       Select 1 for Voice or 2 for Data.

·       Select 1 for Daily, 2 for Weekly, or 3 for Monthly.

·       Select your favorite voice or data bundle.

·       Enter your PIN.

·       You will receive an SMS confirmation upon successful activation.

How to Activate a Bundle for Someone Else

To activate a bundle for someone else via your mHawala account, follow these steps:

·       Dial *711#.

·       Select 5 for Airtime and Data Recharge.

·       Select 2 for Data Recharge.

·       Select 2 for Bundle Activation for Others.

·       Select 1 for 100% Bonus Bundle.

·       Select 1 for Voice or 2 for Data.

·       Select 1 for Daily, 2 for Weekly, or 3 for Monthly.

·       Enter the B-Party number (recipient's number).

·       Select your favorite voice or data bundle.

·       Enter your PIN.

·       You will receive an SMS confirmation upon successful activation.

Available Voice Bundles with 100% Extra Benefits

·       3500 Etisalat minutes for 244.40 AFN per month (originally 1750 minutes).

·       800 Etisalat minutes for 94.44 AFN per 14 days (originally 400 minutes).

·       400 Etisalat minutes for 50 AFN per 7 days (originally 200 minutes).

·       100 Etisalat minutes for 16.67 AFN per day (originally 50 minutes).

Available Data Bundles with 100% Extra Benefits

·       60 GB for 1,554.44 AFN per month (originally 30 GB).

·       40 GB for 1,110 AFN per month (originally 20 GB).

·       26 GB for 887.78 AFN per month (originally 13 GB).

·       6 GB for 277.78 AFN per month (originally 2.5 GB).

·       2 GB for 55.56 AFN per day (originally 1 GB).

·       1 GB for 55.56 AFN per week (originally 500 MB).

·       400 MB for 16.67 AFN per day (originally 200 MB).

Enjoy these exclusive benefits and activate your favorite bundle today!