Tunisian mobile payments increase by 81 percent

An 81 percent spike in mobile payments just shoved Tunisia deeper into a cash-light economy, and the numbers from 2025 make it clear that people are tapping screens instead of handing over paper.

Mobile payments surge in Tunisia

• The Central Bank of Tunisia logged an 81 percent jump in 2025.
• Bulletin N°15 flagged a sharp swing toward digital money use.
• Total mobile transactions hit 8.4 million operations.
• Those moves stacked up to 1,769 million Tunisian Dinar.

Digital ecosystem ramps up

• Digital wallets climbed to 815,000 from 595,000 in 2024.
• Payment Service Providers expanded to 435 from 368.
• Transfers made up 50.7 percent of activity.
• Merchant payments accounted for 17.8 percent.

Policy push behind the spike

• The Central Bank of Tunisia credited anti-cash strategies.
• E Houwiya is linked with Paysmart for tighter verification.
• SWIFT MX ISO 20022 migration upgraded messaging rails.
• National Clearing System revamp backed the broader shift.

Traditional methods lose ground

• Overall, electronic transactions rose by 25 percent.
• Checks saw a clear drop in usage.
• Consumers leaned on mobile tools for daily spending.
• Peer-to-peer transfers became a routine habit.