# Sudan — payment codes and schemes

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

## Summary

- **Bankak** QR payments (Bank of Khartoum)
- **Fawry Sudan** QR + OTP (Faisal Islamic)
- **4,000+ agents** BOK Wakeel network
- **Bravo Sudan Pay** additional QR
- **War impact** driving digital adoption

## Banking landscape

### Central Bank
- **Name:** Central Bank of Sudan (CBOS)
- **Website:** https://www.cbos.gov.sd/
- **Role:** Monetary policy, payment oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Bank of Khartoum | Private | Bankak |
| 2 | Faisal Islamic Bank | Islamic | Fawry Sudan |
| 3 | Omdurman National Bank | Local | ONB Mobile |
| 4 | Agricultural Bank of Sudan | State | ABS Mobile |
| 5 | Al Jazeera Sudanese Jordanian | Islamic | AJ App |

### Market Structure
- **Bankak:** Leading digital
- **4,000+:** BOK Wakeel agents
- **300+:** BOK ATMs
- **War impact:** Digital surge

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Bankak | Bank of Khartoum | Mobile bank | Active |
| Fawry Sudan | Faisal Islamic | Mobile app | Active |
| Bravo Sudan Pay | Independent | App | Active |
| EBS | Central Bank | Interbank | Active |

### Bankak Network
- 4,000+ BOK Wakeel agents
- 300+ BOK ATMs
- Nationwide coverage
- Deposit/withdrawal access

### War-Driven Digital Adoption
- Conflict since April 2023
- Cash shortages
- Banks disrupted
- Digital apps lifeline

---

## QR code standards

### Bankak QR (بنكك|PAY)

| Attribute | Value |
|-----------|-------|
| **Provider** | Bank of Khartoum |
| **App** | Bankak (بنكك) |
| **Feature** | QR code payments |
| **Version** | V-4.49 (Jul 2024) |

### Bankak QR Features
- Pay at بنكك|PAY shops
- BOK Wakeel payments
- QR code scanning
- Instant transactions

### Fawry Sudan QR

| Attribute | Value |
|-----------|-------|
| **Provider** | Faisal Islamic Bank |
| **Services** | 35+ services |
| **Feature** | Static + dynamic QR |
| **Methods** | QR, OTP, Vouchers |

### Fawry QR Features
- QR code creation
- QR code scanning
- Static QR support
- Dynamic QR support
- 24/7 availability

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Bankak | BOK | Yes | Full banking |
| Fawry Sudan | Faisal Islamic | Yes | 35+ services |
| Bravo Sudan Pay | Independent | Yes | Gift cards |

### Bankak Features
- Account access
- Mobile account
- QR payments
- Agent deposits/withdrawals
- Transfers (SDG 2M/day limit)
- Cross-bank transfers

### Fawry Sudan Features
- 35+ services
- Bill payments
- Goods/services purchase
- QR + OTP + Vouchers
- Account management
- 24/7 access

### Bravo Sudan Pay Features
- QR Pay function
- Gift cards
- Transaction history PDF
- Enhanced security
- New UI design

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Bankak QR](https://docs.barcoder.ai/docs/payments/SD/bankak-qr) | Bank QR | بنكك | Payments | [`bankak-qr`](https://docs.barcoder.ai/docs/standards/bankak-qr) |
| [Fawry QR](https://docs.barcoder.ai/docs/payments/SD/fawry-qr) | Bank QR | Multi-type | 35+ services | [`fawry-qr`](https://docs.barcoder.ai/docs/standards/fawry-qr) |
| [Bravo QR](https://docs.barcoder.ai/docs/payments/SD/bravo-qr) | App QR | Gift/Pay | Active | — |

## Sources

- [Bank of Khartoum - Mobile Money](https://bankofkhartoum.com/sudan/mobile-money/)
- [Bank of Khartoum - mBOK Account](https://bankofkhartoum.com/sudan/mobile-banking-mbok/)
- [Google Play - Bankak](https://play.google.com/store/apps/details?id=com.mode.bok.ui)
- [App Store - Bankak](https://apps.apple.com/ma/app/bankak/id1509609935)
- [Soft112 - Fawry Sudan](https://fawry-sudan.soft112.com/)
- [ApkAio - Fawry Sudan](https://apkaio.com/app/com.mode.fib.ui)
- [App Store - Bravo Sudan Pay](https://apps.apple.com/us/app/bravo-sudan-pay/id1665773476)
- [The New Humanitarian - Digital Money in Sudan War](https://www.thenewhumanitarian.org/news-feature/2024/02/07/sudan-war-digital-money-online-banking-apps)

## Full country report

[SD-sudan.md](https://docs.barcoder.ai/docs/payments/SD)