Yes. Digital wallets are safer than using physical cash. The risk of robbery is reduced to minimum. Even if your phone gets stolen or lost, your electronic money stored on E-kyash is safe. We have designed the wallet to be protected on several levels:

i) During the registration process you will set up your password and unique PIN. Please keep this safe and do not share with anyone. 

ii) During the login process,  you will be able to use biometrics such as facial recognition or fingerprint (depending on the capabilities of your device). 

iii) Before processing any transaction, you are able to review details such as date and amount on your checkout screen to ensure everything is accurate.

 E-Kyash is designed for you to reduce your dependence on physical cash and to be safe. With E-Kyash,

• The risk of robbery is reduced
• Exposure to the virus is reduced, (the virus lives on banknotes for 28 days)
• Transactions are immediate

No.  Debit or credit Cards cannot be linked to your E-Kyash (Digital Wallet account) but can be utilized at ATMs countrywide and at participating merchants. Don’t have a debit or credit card? Apply Now and start enjoying the convenience of having a Belize Bank debit or credit card.

E-Kyash can be used anywhere in Belize.  You can enjoy Person-to-Person transactions, using your contacts from the phone book and send to anyone with a registered Belize Phone number.  You can also pay your bills at anytime or make contactless to any of our merchants on our growing list of retailers. Just look for the E-kyash sign when it’s time to pay.

Yes, you can pay your bills using the E-Kyash app on your mobile device. We currently have listed over 180 companies you can select from. These include schools, insurance companies, utility companies and so much more. Simply enter your client/customer ID when making the payment. Save the payment details to your favorites list. This will make it easy to make future payments to the same account as you will only need to enter the amount.

Yes, many retail stores and sellers have already signed up as an E-kyash Merchant We continue to list new merchants everyday. Look for the sign the next time you are ready to pay, or you can ask if they accept E-kyash. You simply open the E-kyash app on your device, and scan their QR code to make your payment. 

Yes. We are working diligently to build a wide network of Retail Operators where you can top-up and cash-out your wallet. Look for E-kyash Retail Operator sign to know that they can help you to your top-ups and cash-outs.

Yes.  To finalize transactions, you do need to have internet access via one of the following channels:

• mobile data on your phone
• wifi at home
• Wifi access (hot spots) at public places (parks, stores, bus terminals etc.). Please note that Belize Bank provides free wifi access at all branches

E-Kyash gives you truly contactless payments. When it is time to pay,  look for the merchant QR code. Ensure that you have access to the internet on your device and open the E-kyash app on your device. Tap the “scanner” icon on the main menu (middle icon), this will launch the E-kyash scanner. Simply point the camera of your device to the Merchant’s QR code and ensure the entire code is within view of your scanner. You will then be prompted with the details of the merchant that you are about to pay. Confirm all details including the amount to be paid then tap the “Pay now” button. The merchant will immediately receive the payment for your purchase.

Individuals scan a QR code at the store. At this point the user’s digital wallet account has been debited. Merchant will receive funds immediately and it will be reflected in the merchant’s digital wallet as credit. This transaction flow is very secure and in 99.9% of cases the process won’t be interrupted. If you happen to experience 0.1%, it’s highly possible that internet connection was down and therefore the transaction was not completed successfully. In this case, funds will be returned to your digital wallet immediately and you will need to perform the transaction again.

We urge you to verify the details of your transaction before sending funds or making payments. Be very careful who you send money to. Only send money or accept funds from people you know. It is best practice to send funds ONLY to numbers you have in your contact list to ensure you never make mistakes when sending money. Also double check details such as the recipient’s phone number and the amount being transferred. E-Kyash will not participate in the funds recovery process. All transactions are final and unable to be recovered via E-Kyash or the bank.

If funds are transferred to the wrong person, you need to contact the individual directly and request for funds to be transferred back to you. Please note that you can send funds money only to the phone numbers saved in your mobile contacts phone book. More than likely all your contacts are safe and dependable. However, ALWAYS remember to review your transaction on the checkout screen before the final submission.