Send Money to Ethiopia with Credit Card in 2025

Millions of Ethiopians living abroad face significant challenges when sending money home due to ongoing complexities in the country’s financial system. These include high fees, strict regulatory controls, and frequent delays in funds reaching recipients. Such obstacles directly impact families and businesses that heavily rely on remittances for daily needs and business operations.

In response, adopting modern remittance solutions that provide speed, security, and transparency has become essential. By 2025, financial technology has advanced, and credit cards have emerged as a powerful tool to simplify international transfers—especially when used through innovative platforms like Towb.

Towb represents a true turning point in the money transfer experience to Ethiopia, offering a fully integrated system that combines ease of use, data security, and near-instant settlement technology. This ensures faster processing times, reduced costs, and full transparency, giving users confidence and peace of mind that their money arrives quickly and safely.

Key Challenges of Sending Money to Ethiopia

1. Strict Regulatory Restrictions

• Foreign currency controls: Ethiopia imposes tight restrictions on foreign currency transactions, complicating international transfers.

• Cash transaction limits: Cash deposits/withdrawals are capped at ETB 10,000 without extra procedures.

• Verification requirements: Banks require detailed KYC documentation, prolonging processing times.
   

2. Limited Financial Infrastructure

• Low adoption of international cards: Despite Ethiopia’s first local Credit Card launch in July 2025, infrastructure for Visa/Mastercard remains limited.

• Few digital channels: Limited bank branches and digital payment solutions slow down remittance accessibility.
   

3. Exchange Rate Issues & Hidden Fees

• Volatile and opaque FX rates: Fluctuating USD/EUR-ETB rates impact the final Transfer value.

• Multiple hidden charges: Senders often face unclear deductions across banks and networks.
   

4. Delays in Fund Delivery

• Manual checks: Extra compliance steps extend Transfer timelines.

• Banking bottlenecks: Local banks may face technical or bureaucratic delays.

How Towb Transforms Credit Card transfers to Ethiopia

1. Wide Acceptance of International Credit Cards

Towb enables money transfers using Visa and Mastercard, ensuring accessibility from anywhere in the world.

• No local bank account required—just pay directly with your card.

• Streamlined process—skip lengthy banking formalities.

• Unified experience—same simplicity across regions.
   

2. Transparent and Competitive Exchange Rates

• Live market rates: Always updated to reflect real-time FX values.

• Full cost clarity: All fees are displayed upfront—no hidden charges.

• Better value: Maximizes the amount received by beneficiaries.
   

3. Near-Instant Transfers

• Bank partnerships in Ethiopia enable quick settlement.

• Advanced digital systems ensure most transfers arrive within minutes.

• Real-time notifications keep senders and recipients updated.
   

4. Advanced Security Measures

• PCI DSS encryption ensures cardholder data protection.

• Multi-layer verification (SMS codes, 2FA) prevents fraud.

• 24/7 monitoring for suspicious activity.
   

5. Multilingual Customer Support

• Arabic & English support available for global users.

• Amharic support coming soon for local accessibility.

• User-friendly interface with tutorials and guides for first-time users.

Real-Life Success Stories

Maryam – From Saudi Arabia to Addis Ababa

Maryam struggled with unclear fees and long delays when supporting her mother. Switching to Towb with her credit card, she now sends $300 monthly with full transparency, no hidden fees, and instant delivery—saving both time and stress.
 

Yosef – From Canada to Bahir Dar

Yosef, a small business owner, faced payroll delays with traditional methods. By using Towb’s Credit Card option, he now pays his staff in Ethiopia instantly and at lower cost, improving team satisfaction and business operations.

Step-by-Step Guide: Sending Money to Ethiopia with Towb Using a Credit Card

1. Register and Create an Account

• Visit the official Towb website.

• Fill in your personal details (name, email, phone).

• Verify via email or SMS.
   

2. Select Ethiopia as Your Transfer Destination

• Choose Ethiopia from the available list.

• Ensures correct routing through local financial channels.
   

3. Enter Recipient Details

• Full legal name.

• Bank account number.

• Bank name in Ethiopia.

• Double-check accuracy to avoid delays.
   

4. Choose Credit Card as Payment Method

• Select Visa/Mastercard.

• Enter card number, expiry date, and CVV.

• Ensure available balance.
   

5. Review Transaction Details

• See the exact Transfer amount, FX rate, and fees upfront.

• Confirm all details before proceeding.
   

6. Confirm and Receive Instant Notification

• Get confirmation via email/SMS.

• Track Transfer status in real-time through your Towb account.

Conclusion: Towb – Your Best Choice for Credit Card transfers to Ethiopia

In a challenging remittance landscape, Towb provides a modern, secure, and transparent solution for sending money to Ethiopia. By leveraging credit cards as a convenient payment method, Towb eliminates complexity and ensures funds arrive quickly, safely, and at competitive rates.

Whether you’re supporting family, running a business, or covering expenses abroad, Towb gives you the confidence and ease you need to send money without worry.

Start Your Journey with Towb Today

✅ Open your account in minutes
✅ Enjoy competitive & transparent FX rates
✅ Track your transfers in real time