Mobile money — wallets like M-Pesa in Kenya, MTN Mobile Money in Ghana and Uganda, or GCash in the Philippines — lets recipients receive funds directly on their phone, no bank account required.
For corridors where mobile money is available, transfers typically arrive within minutes rather than the one business day common for bank deposits.
Bank transfers remain the right choice when a recipient doesn't use mobile money, or when sending larger amounts that are easier to manage through a bank account.
Dicha supports both delivery methods across most corridors, so you can choose what's fastest and most convenient for the person receiving the money.