Omari review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Omari pairs a variable rate savings pot with instant cash loans and a Visa debit card in a single wallet app. It suits adults living on a mobile income who want everyday banking and short term credit in one place, with a minimum deposit of $10 to start saving.
Key facts
- Best for
- A free monthly fee, a Visa debit card and instant small cash loans inside a mobile wallet.
- Monthly fee
- $0↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- Old Mutual Digital Services↗
- Headquarters
- Zimbabwe↗
- Support channels
- Phone, Chat, Help-centre, Email↗
- Features
- Virtual card
- Audience
- Kids
- Official website
- omari.co.zw
Loans
- Loan amount
- up to $100↗
- Funding time
- Instant cash loans via the Omari app, USSD *707# or WhatsApp↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Eligibility
- Above 18 years old, own mobile number on a Zimbabwe network, self-registration with KYC documents; cash loan requires 3 months of consistent wallet use↗
- Loan types
- Personal, Payday, Cash-advance↗
- Pricing model
- Monthly
Savings
Pros and cons
Pros
- Instant cash loans can be drawn in the app, by USSD or over WhatsApp, with amounts of up to $100 and a monthly card fee of $0.
- Support runs on phone, chat and help centre, so phone, chat, email and a help centre are there when a card is declined or a wallet balance needs checking.
- Savings sit as an easy access pot in the wallet, started and tracked from your phone at your own pace from a minimum deposit of $10.
- A virtual card is part of the range, virtual card, alongside the debit card on the visa network that draws on the wallet balance.
Cons
- Omari is based in Zimbabwe and serves a single market, so it does not suit readers who want to bank in the UK or Europe.
- Borrowing runs through personal, payday and cash advance loans, with up to $100 available, so it fills short gaps rather than funding a large purchase.
- A cash loan needs a waiting period of consistent wallet use before it can be drawn, so plan ahead rather than relying on the money the same day.
Who it suits
- Adults living in Zimbabwe who want a card, savings and short term credit inside the same phone app.
- Readers weighing free banking who will put bunq or Starling next to it, at €0 and £0.
Who should look elsewhere
- Readers who move money across several currencies, where Wise at £0 is the closer fit for transfers and travel spending.
- Anyone wanting a UK or European account, since Omari is based in Zimbabwe and serves a single market rather than a wider footprint.
Rates and card terms
Interest on cash in the Omari wallet is paid at a headline rate of 12%, and the rate type is variable. A variable rate follows the market, so the headline figure is the level to start from rather than a return locked in for a term. It suits holding money alongside everyday spending, though the rate on a balance can move and a figure that looks competitive now may not stay there.
The company behind it
Omari is run by Old Mutual Digital Services and is based in Zimbabwe, serving a single home market rather than a spread of countries. Support runs on phone, chat and help centre only, which covers a help centre, live chat, email and phone, so a question about a card, a wallet balance or a loan can be raised whichever way suits. The same team handles the wallet, the savings side and the loans.
How Omari compares
9.5 vs 9.4
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Where Omari is available
- Available
- Zimbabwe
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does it cost to run an Omari account?+
The monthly fee is $0, so holding the wallet and the card costs nothing. Savings pay a headline rate of 12% on a variable rate, and the optional home cover runs from $2.50 a month, paid monthly.
What kind of savings account sits in the wallet?+
Savings sit inside the wallet as an easy access pot, started and tracked from your phone at a pace you set, with no fixed term. The minimum deposit is $10 and the headline rate is 12%. You add and take money out in the app.
Can I borrow cash when I need it?+
Cash loans are instant and can be drawn in the app, by USSD or over WhatsApp, as set out in Instant cash loans via the Omari app, USSD *707# or WhatsApp. Amounts reach up to $100, Omari lends in its own name as a direct lender, and personal, payday and cash advance loans are offered. A first cash loan needs a waiting period of consistent wallet use.
Who can open an Omari wallet?+
Registration is self-service with a mobile number on a Zimbabwe network and identity documents for the KYC checks, and a minimum age applies. Omari lists kids among the audience it serves, kids, so a parent can set up a wallet for a child. The card itself is a debit card.
Is the money safe?+
Omari runs under Old Mutual Digital Services in ZW and lends in its own name, direct lender, so a balance sits with the provider rather than a separate custodian. A site wide median retail loss of 70.15% is the reminder to keep only what you can cover.
How do I reach support?+
Support runs on phone, chat and help centre, so you can phone, use live chat, email or search the help centre, whichever suits. The wallet, the savings side and the loans all sit with Old Mutual Digital Services in Zimbabwe, so the same team handles the lot.
How does Omari compare with free alternatives?+
Omari's monthly fee is $0, and bunq, wise and Starling sit at €0, £0 and £0, so price alone does not separate them. What differs is reach, since Omari is built for ZW and pairs the card with a savings rate and short term credit.
Sources
- omari.co.zw checked September 26, 2026
Backs: Lender type
“Omari is a member of the Old Mutual Group. Omari services are provided by Old Mutual Digital Services, a company incorporated in Zimbabwe.”
- omari.co.zw/loans checked September 26, 2026
Backs: Access terms, Account kind, Loan amount, Funding time, Headline rate, Legal entity, Loan types, Minimum deposit, Rate type
“our savings feature helps you set money aside securely and effortlessly ... grow your savings at your own pace, all from your phone”
- omari.co.zw/support checked September 26, 2026
Backs: Headquarters, Support channels
“Omari Zimbabwe (the digital financial services platform powered by Old Mutual) is headquartered in Harare.”
- omari.co.zw/terms checked September 26, 2026
Backs: Eligibility
“They are above the age of eighteen (18) years; and They complete a Self-Registration process on their phone”
- oldmutual.co.zw/omari/homecare checked September 26, 2026
Backs: Cover limit, Provider type, Insurance types, Pricing model, Monthly payments, Premium from
“You can cover your home from fire, lightning, explosions and falling trees to cover US$30 000 ... HomeCare Premium covers your home from fire, lightning, explosions and falling trees for just US$10...”
- omari.co.zw checked September 26, 2026
Backs: Audience, Features, Monthly fee, Card network
“Junior Wallet”
- omari.co.zw/support checked September 26, 2026
Backs: Card type
“What is the Omari Visa Debit card?”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Omari
A free monthly fee, a Visa debit card and instant small cash loans inside a mobile wallet.