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BNA Licence No. 420
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Interbank Transfers · EMIS

KWiK no PayPay

Send and receive money in an instant, directly from your PayPay account to any participating bank or wallet in Angola — regulated by the National Bank of Angola and operated by EMIS.

09:41●●●
Enviar via KWiK
EMIS

Valor

15.000AOA
J

Para

+244 923 456 789

Banco destino

BAI

Tempo estimado

~ 5 seg.

Regulado BNA · Operado EMIS · 24/7

~ 5 seg.

Speed

52,2%

KWiK share

52,2%
KWiK market share
#1 among 465 entities · Feb. 2026
1,6M
Monthly transactions
Processed volume
24,5B Kz
Processed per month
In Angolan Kwanzas
24/7
Availability
365 days a year, no downtime

Simple and fast

Send money with KWiK in 4 steps

All from PayPay, without leaving the app.

01

Open PayPay

Open the PayPay app on your phone.

02

Tap Transfer

Select the KWiK option in the transfers menu.

03

Use a KWiK key

Enter the recipient's IBAN, email, address or nickname.

04

Confirm and done

Money arrives in seconds, 24/7. No waiting.

Total flexibility

KWiK Keys

Instead of sharing your full IBAN, you can use a KWiK key — simple, fast and secure.

✉️

E-mail

Use the email address registered on the recipient's bank account.

📍

Address

The unique bank address associated with the recipient's account.

@

Alcunha

A personalised, easy-to-remember username.

🏦

IBAN

The full IBAN of the destination bank account in Angola.

Advantages

Why use KWiK in PayPay?

PayPay is the KWiK market leader in Angola — with a 52.2% market share among 465 participating entities. Money never sleeps.

Transfers processed in seconds
Available 24/7, including weekends and holidays
To more than 20 banks and wallets in Angola
Regulated by BNA and operated by EMIS
No need to leave PayPay

Real speed

Transfers processed in seconds, even on weekends and holidays.

Any bank

Send to BAI, BFA, Banco Sol, Caixa Angola, BCS, BNI, BancoBAI, VITU, Afmoney and many more.

24/7

Money never sleeps. Available 365 days a year, at any time of day.

Safe & regulated

Regulated by BNA no. 420 and operated by EMIS, in compliance with Bank of Angola standards.

KWiK Network

More than 20 banks and wallets

Send directly from PayPay to any entity participating in the KWiK network.

BAI
BFA
Banco Sol
Caixa Angola
BCS
BNI
BancoBAI
VITU
Afmoney
BIC
Banco de Comércio
Standard Bank
Banco Millennium Atlântico
YETU
Multicaixa
+ many more

Questions

Frequently asked questions

What is KWiK in PayPay?
KWiK is a system for instant transfers between any banks and wallets in Angola, developed in partnership with EMIS. It allows you to send and receive money in seconds, directly from PayPay.
How do I activate KWiK in PayPay?
Simply have an active PayPay account. KWiK is already integrated — go to Transfer and select KWiK to start sending to any bank in Angola.
Can I send KWiK from PayPay to other banks?
Yes. KWiK connects PayPay to more than 20 participating banks and wallets in Angola, including BAI, BFA, Banco Sol, BCS, BNI and many others.
How much does it cost to use KWiK?
KWiK fees are available on the PayPay Prices and Fees page. Check the updated conditions before making transfers.
What is the difference between KWiK and Multicaixa Express?
KWiK is the instant interbank transfer system operated by EMIS, focusing on speed and coverage of the entire Angolan banking network. Multicaixa Express is a complementary service. Both are available on PayPay.

Start using KWiK in PayPay today

Download PayPay and send money in an instant.

BNA License No. 420
Operated by EMIS
Transfers in seconds
Available on PayPay