TUNIS
February 13, 2026
Tunisia’s digital payments ecosystem recorded significant growth in 2025, with mobile payments and transfers increasing by 81% year on year, according to data released by the Central Bank of Tunisia. The sharp rise reflects the country’s accelerating shift toward digital financial services and reduced reliance on cash-based transactions.
Mobile transactions reached 8.4 million operations during the year, generating a total value of TND 1,769 million. The growth was supported by expanding digital infrastructure and increased adoption of mobile financial services across consumers and businesses. The number of active digital wallets rose to 815,000, up from 595,000 in 2024, while licensed payment service providers increased to 435 entities, indicating growing ecosystem participation.
Person-to-person transfers emerged as the largest contributor to activity, accounting for more than half of total transactions, while merchant payments also gained momentum as mobile platforms became increasingly integrated into everyday commerce. The rise in mobile payments coincided with a broader increase in electronic transactions, which grew by 25% overall, while traditional payment instruments such as checks continued to decline.
The Central Bank attributed the growth to targeted initiatives aimed at strengthening financial inclusion and accelerating digital adoption. Key developments included the integration of the E-Houwiya digital identity system with the Paysmart platform, enabling secure authentication and smoother transaction processes. Additional modernization efforts, such as adopting the SWIFT MX (ISO 20022) standard and upgrading the national clearing system, further supported the expansion of digital payments.
The trends signal a structural change in consumer behavior, with mobile platforms increasingly becoming the preferred channel for everyday transactions and peer-to-peer payments, reinforcing Tunisia’s progress toward a more digital and inclusive financial ecosystem.
