# Algeria — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/DZ
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **DZMobPay** interoperability network launched 2025
- **7 banks + Algérie Poste** connected for QR payments
- **CIB/Edahabia** dual card system via SATIM
- **Wimpay-BNA** first QR app (March 2021)
- **2M+ SATIM cards** in circulation

## Banking landscape

### Central Bank
- **Name:** Banque d'Algérie (Bank of Algeria)
- **Website:** https://www.bank-of-algeria.dz/
- **Role:** Monetary policy, payment oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | National Bank of Algeria (BNA) | State | Wimpay-BNA |
| 2 | Crédit Populaire d'Algérie | State | CPA Mobile |
| 3 | Local Development Bank (BDL) | State | BDL App |
| 4 | Foreign Bank of Algeria (BEA) | State | BEA Mobile |
| 5 | Algeria Gulf Bank | Private | AGB Mobile |

### Market Structure
- **SATIM:** Interbank transaction operator
- **GIE Monétique:** Economic Interest Group
- **CIB/Edahabia:** Dual card networks
- **State-dominated:** Banking sector

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| DZMobPay | GIE Monétique | Interbank mobile | Active (2025) |
| SATIM/CIBWeb | SATIM | Card processing | Active |
| Baridi Mob | Algérie Poste | Postal mobile | Active |

### DZMobPay Network (2025)
- **8 institutions connected:**
  - National Bank of Algeria
  - Crédit Populaire d'Algérie
  - Local Development Bank
  - Foreign Bank of Algeria
  - National Savings and Provident Fund
  - Algeria Gulf Bank
  - Al Salam Bank
  - Algérie Poste (Baridi Mob)

### Card Statistics
- **2+ million** SATIM cards in circulation
- **510** authorized CIBWeb merchants (May 2024)
- **15,000+** online payment portals

---

## QR code standards

### DZMobPay QR

| Attribute | Value |
|-----------|-------|
| **Operator** | GIE Monétique |
| **Type** | Interbank QR |
| **Launch** | 2024-2025 |
| **Feature** | Cross-bank transfers |

### QR Payment Features
- Cross-bank QR scanning
- Merchant QR codes
- P2P transfers
- Bill payments

### Wimpay-BNA (Pioneer)
- **Launch:** March 2021
- **Operator:** National Bank of Algeria
- **Type:** Contactless QR
- **Feature:** First Algerian QR payment

### SofizPay QR
- Online payment gateway
- QR code generation
- Merchant integration
- E-commerce focus

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Wimpay-BNA | BNA | Yes | First QR app |
| Baridi Mob | Algérie Poste | Yes | Postal wallet |
| Bank Apps | Various | Yes | DZMobPay |

### Baridi Mob
- Algérie Poste application
- Edahabia card linked
- QR code payments
- Bill payments
- P2P transfers

### Wimpay-BNA
- First contactless mobile payment
- QR code based
- March 2021 launch
- Pioneer in Algeria

### DZMobPay Integration
- Multiple bank apps
- Cross-bank interoperability
- Unified QR standard
- Growing network

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [DZMobPay](https://docs.barcoder.ai/docs/payments/DZ/dzmobpay) | Interbank QR | National | 8 institutions | [`dzmobpay`](https://docs.barcoder.ai/docs/standards/dzmobpay) |
| [CIB](https://docs.barcoder.ai/docs/payments/DZ/cib) | Debit card | SATIM | 2M+ cards | — |
| [Edahabia](https://docs.barcoder.ai/docs/payments/DZ/edahabia) | Postal card | Poste | Active | — |

## Sources

- [Algeria Invest - 15 Banks QR Code](https://www.algeriainvest.com/AlgeriaIC/public/news/paiement-mobile-15-banques-bientot-reliees-par-qr-code)
- [Dzair Tube - GIE Monétique 2024](https://www.dzair-tube.dz/en/algeria-gie-monetique-launch-of-mobile-payment-interoperability-in-2024/)
- [SofizPay - QR Code Gateway](https://sofizpay.com/en/qrcode/)
- [BDL - CIB Card](https://www.bdl.dz/en/cib-card/)
- [Transfi - Algeria Digital Finance](https://www.transfi.com/blog/exploring-local-payment-methods-and-digital-finance-in-algeria)
- [Statista - Payment Methods Algeria](https://www.statista.com/topics/12455/payment-methods-in-algeria/)
- [State of Algeria Dev - E-Payment](https://state-of-algeria.dev/docs/insights/e-payment-solutions/)
- [BNP Paribas - Algeria Cash Management](https://cashmanagement.bnpparibas.com/atlas-countries/algeria)

## Full country report

[DZ-algeria.md](https://docs.barcoder.ai/docs/payments/DZ)