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Moza Banco review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Moza Banco suits Mozambique savers who want a fixed-rate term deposit with automatic renewal and top-ups. Its headline rate is 1.75%, with a 12 term and a minimum deposit of MZN 100.

Key facts

Best for
A fixed-term Mozambican deposit with convenient monthly interest and top-ups.
Headline rate
1.75%↗
Rate type
Fixed↗
Term
12 months↗
Minimum deposit
MZN 100↗
Access terms
DP Moza Poupanca: 365-day term, automatically renewable, interest paid monthly with automatic capitalisation, top-ups allowed from 100 MT↗
Account kind
Fixed↗
Legal entity
Moza Banco, S.A.↗
Headquarters
Mozambique↗
Founded
2008↗
Support channels
Phone, Email, Chat, Help-centre↗
Pricing model
Fixed rate
Official website
mozabanco.co.mz

Loans

APR
23% to 25%↗
Funding time
Fast disbursement↗
Lender type
Direct lender↗
Eligibility
Minimum age 21 years↗
Loan types
Personal, Car, Secured, Credit-line↗
Use cases
Home-improvement↗
Features
Credit line

Mortgages

Fixed period
25 years↗
Maximum loan to value
90%↗
Purpose
Purchase↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInX

Pros and cons

Pros

  • Fixed-rate deposit with a 12 term and a fixed rate type.
  • Automatically renewable, with interest paid monthly and automatic capitalisation.
  • Top-ups are allowed from MZN 100.
  • Support is available through phone, email and chat.

Cons

  • The headline rate of 1.75% is below the savings site median of 3%.
  • The 12 term is shorter than the savings site median of 36.
  • The minimum deposit of MZN 100 is above the savings site median of €0.88.
Moza Banco

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Mozambican savers comfortable tying funds to a 12-month term.
  • People who want monthly interest with automatic capitalisation.
  • Customers who plan to add funds through permitted top-ups.

Who should look elsewhere

  • Savagers prioritising the highest headline rate, since bunq lists 3.01% and Wise lists 3.29%.
  • Savagers wanting a longer term than 12, while Finteres lists a term range of 0% to 36%.
  • People seeking deposit-protection details, which are not stated here.

How Moza Banco compares

Where Moza Banco is available

Available
Mozambique

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does DP Moza Poupanca pay?+

DP Moza Poupanca has a fixed rate with a headline rate of 1.75%. The account is a fixed deposit and is designed around a 12-month term.

How long does the deposit last?+

The fixed term is 12. It renews automatically, so the deposit continues under the stated access terms unless the account holder chooses otherwise.

Can I add money to the deposit?+

Yes. Top-ups are allowed from MZN 100. The stated access terms describe a DP Moza Poupanca deposit with an automatically renewable 12-month term.

How is interest handled?+

Interest is paid monthly with automatic capitalisation. The deposit uses a fixed rate and has a headline rate of 1.75%.

What is the minimum deposit?+

The minimum deposit is MZN 100. The same threshold is also stated for top-ups in the access terms.

What kind of account is it?+

It is a fixed account with a fixed rate structure. Moza Banco describes DP Moza Poupanca as an automatically renewable fixed-term deposit.

How can customers get support?+

Support is available through phone, email and chat. The listed channels include phone, email, chat and a help centre.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Deposit protection.

Moza Banco

Moza Banco

A fixed-term Mozambican deposit with convenient monthly interest and top-ups.

9.0/10See alternatives