# Suriname — payment codes and schemes

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

## Summary

- **Mopé** first mobile wallet QR (Hakrinbank)
- **WhatsApp QR** sharing feature
- **Netherlands link** euro transfers
- **Republic Bank** 2024 upgrade
- **Financial inclusion** focus

## Banking landscape

### Central Bank
- **Name:** Centrale Bank van Suriname
- **Website:** https://www.cbvs.sr/
- **Role:** Monetary policy, financial regulation

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Hakrinbank | Private | Mopé |
| 2 | Republic Bank Suriname | Regional | RepublicOnline |
| 3 | De Surinaamsche Bank | Private | DSB App |
| 4 | Finabank | Private | Fina App |
| 5 | Godo | Microfinance | Godo App |

### Market Structure
- **Mopé:** First mobile wallet
- **Republic Bank:** Regional integration
- **Hakrinbank:** Innovation leader
- **High smartphone:** Usage

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Mopé | Hakrinbank | Mobile wallet | Active |
| RepublicOnline | Republic Bank | Digital banking | Active |
| Bank transfers | Banks | Wire | Active |
| Card networks | Visa/MC | Cards | Active |

### Mopé Platform
- Launched by Hakrinbank
- QR code payments
- Digital wallet
- Netherlands integration
- WhatsApp sharing

### Financial Inclusion
- UN/World Bank goals
- High smartphone penetration
- Unbanked access
- Secure platform

---

## QR code standards

### Mopé QR

| Attribute | Value |
|-----------|-------|
| **Provider** | Hakrinbank |
| **Feature** | Scan to pay |
| **Sharing** | WhatsApp |
| **Currency** | SRD + EUR |

### Mopé QR Features
- User creates payment request
- QR code displayed
- Other users scan to pay
- WhatsApp sharing option
- Cross-currency (SRD/EUR)

### Netherlands Integration
- Euro wallet available
- Real-time transfer
- Currency exchange in-app
- Diaspora connection

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Mopé | Hakrinbank | Yes | Full wallet |
| RepublicOnline | Republic Bank | Limited | Banking |
| Bank Apps | Various | Limited | Services |

### Mopé Features
- Payment requests
- QR code generation
- P2P transfers
- Phone number = account
- No monthly fees

### Security
- SMS validation
- Password protection
- Secure platform
- Account independent

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Mopé QR](https://docs.barcoder.ai/docs/payments/SR/mop-qr) | Wallet | Hakrinbank | Active | [`mop`](https://docs.barcoder.ai/docs/standards/mop) |
| [Bank apps](https://docs.barcoder.ai/docs/payments/SR/bank-apps) | Limited | Banks | Active | — |
| [Wire transfers](https://docs.barcoder.ai/docs/payments/SR/wire-transfers) | SWIFT | Banks | Active | — |

## Sources

- [Move Agency - Mopé Case](https://www.moveagency.com/en/cases/mope)
- [ThePaypers - Hakrinbank](https://thepaypers.com/mobile-payments/hakrinbank-rolls-out-mobile-payments-app-in-surinam--1239401)
- [Republic Bank Suriname](https://republiconline.republicbanksr.com/)
- [3S Money - Suriname Guide](https://3s.money/payment-guide/suriname)

## Full country report

[SR-suriname.md](https://docs.barcoder.ai/docs/payments/SR)