Empowering Financial Freedom In São Tomé And Príncipe
Send, receive, and manage your money with ease—SAO is here to help you thrive, one transaction at a time.
Join SAO Today
All ready, let's do business.
At SAO, we believe everyone should enjoy simple, secure, and stress-free financial services. We’re proudly African and here to make your everyday life easier. With our all-in-one platform, you can deposit and withdraw cash at local SAO Agents, pay for what you need with your SAO Card, and send money instantly to friends and family using SAO Send. It’s your money—use it your way.
Join SAO TodayHow to Get Started
Pop into a friendly SAO Agent near you and top up your account with cash.
Check your SAO Wallet balance anytime—transfer, pay bills, and stay in control of your funds.
Shop online or in person with your SAO Card. Need to help someone out? Send them money instantly with SAO Send!
Enjoy a life where finances fit around you, not the other way around.
Why SAO? Because You Deserve Better
All-In-One Convenience
Forget juggling apps. With SAO, everything you need cash deposits, bill payments, transfers is right at your fingertips.
For Everyone, Everywhere
From the bustling streets to the quiet corners of São Tomé and Príncipe, SAO is designed for all. No bank account? No problem.
Instant Transfers with SAO Send
Send money to loved ones in a flash—no waiting, no worries.
Safe & Sound
We’re an EMI that takes your security seriously. You focus on living life; we’ll handle the safety part.
Always On, Always There
Access SAO anytime, anywhere—our mobile and web platforms are open 24/7.
