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.
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
Step 1
Pop into a friendly SAO Agent near you and top up your account with cash
Step 2
Check your SAO Wallet balance anytime—transfer, pay bills, and stay in control of your funds.
Step 3
Shop online or in person with your SAO Card. Need to help someone out? Send them money instantly with SAO Send!
Step 4
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.
Our Community, Our Pride
With SAO, I can finally send money to my parents in the village without a long trip. It’s so simple—I love it!”
Fatima, Student
“I run a small roadside café and SAO made it easier to accept payments. Customers are happier, I’m happier, and business is growing!”
João, Café Owner
Partners & Trust Signals
Growing Together
We work hand-in-hand with local SAO Agents and community partners to bring easy, reliable financial services to everyone. We’re certified, regulated, and committed to helping our people prosper—one transaction at a time.
FAQ
Got Questions? We’ve Got Answers!
How do I sign up?
A: Grab our mobile app or visit our website, create your account, and you’re good to go. It’s quick and easy!
Where can I find SAO Agents?
A: SAO Agents are right around the corner, spread all across São Tomé and Príncipe. Check our app or site to find your nearest one.
Is my money secure?
A: Absolutely. We follow strict regulations and use top-notch security measures to keep your funds safe.
Can I pay bills with SAO?
A: Yes! Settle your utilities and other bills straight from your SAO Wallet—no more waiting in long queues.
Ready to Join the SAO Family?
You work hard and deserve a financial partner that makes life a little brighter. Let’s grow together—get started now and feel the difference SAO brings.
Create Your Account Now