Fonmoney Is growing – Top-up Cubacel

Top up CubacelFonmoney is excited to announce that it has launched a new country! Fonmoney’s newest edition is Cuba with its sole mobile network operator Cubacel. Cubacel can be topped-up with 10 CUC, 20 CUC or 30 CUC. As usual, Cubacel can be topped up without registration in three short steps. The top up can be paid with paysafecard, Sofort Banking and by credit card. Also watch out for Cubacel double bonus offerings. During this bonus period, Cubacel gives ist customers 100 % on top of any top up made. For instance if you top-up 20 CUC you will get 40 CUC, that means you get 20 CUC on top of your recharge. To stay up to date when the next Cubacel double top-up bonus is coming, connect to our Facebook Cuba site. We are excited to help you send top up to your friends and family in Cuba.

Top-up Plus, Orange, T-Mobile, Heyah and Play Poland and Pay with Norwegian Krone (NOK)

Finally Fonmoney has added another currency that polish people can use to top up mobile credit of their friends and family in Poland or even their own prepaid phone. The top-up for Plus, Orange, T-Mobile, Heyah and Play can be paid via credit card and paysafecard from Norway. If you pay in NOK from your Norwegian bank account, you don't pay any extra fees to your bank and you don't have to convert the currency into Euros or Polish złoty.

Top-up and Pay with Norwegian Krone The great thing about topping up your polish prepaid card via Fonmoney is that you don't have to register. All you need is the phone number you want to top up and your payment details. So topping up your Polish SIM is very easy and now it has become even more convenient to send mobile top ups by paying in various currencies, including Norwegian Krone.

Fonmoney is growing – Fonmoney has added Ukraine as a top-up destination!

Top-up UkraineFonmoney has is increasing it’s reach in Eastern Europe by adding Ukraine to its list of mobile top up countries. It is now possible to recharge prepaid phones of Kyivstar, MTS, Beeline, life :) and Utel. All mobile network operators can be recharged with 60 UAH, 80 UAH, 100 UAH and 200 UAH. You can top-up all prepaid Sim cards via credit card, Paysafecard or SOFORT Banking (bank transfer). Try an instant top up to your Ukraine friends and family today!


Fonmoney is expanding - Recharge your mobile in Egypt

Fonmoney is excited to announce our new country Egypt. You can now recharge any prepaid mobile number from Vodafone, Mobinil and Etisalat Egypt. Support your friends and family by sending mobile credits to Egypt.

Recharge Vodafone Egypt online

Recharge Vodafone EgyptRecharge amounts for Vodafone Egypt: 50 EGP and 100 EGP. You can buy mobile credits for all prepaid packages (el cart) online from Vodafone Egypt.    

Recharge Mobinil Egypt via the internet

Recharge Mobinil OnlineRecharge Mobinil online with 50 EGP, 100 EGP and 200 EGP. You can recharge all of Mobinil prepaid packages (Alo) online now on Fonmoney. Transfer mobile credit to your friends and family in Egypt.


Recharge Etisalat Egypt on

Recharge Etisalat onlineRecharge Etisalat with mobile credits of 50 EGP, 100 EGP and 125 EGP. You can recharge all of Etisalat prepaid packages (Ahlan, Roya, Ahly Control, MiniMix, Welcome and Etisalat Club) online on Fonmoney.    

Mobile Money Transfer in Romania

Orange, Vodafone and Cosmote mobile credit transfer

In Romania the prepaid customers of Orange, Vodafone and Cosmote can send mobile credits within the each network. The Transfer of money between two numbers allows people who share their mobile credits with each other. This could be the case when somebody is recharging their phone and distributes the mobile credit within his family. The network operators still strictly regulate the transfer of mobile credits in Romania. They impose limits on how much and how many times you can send mobile credits to other prepaid phones. Nevertheless this useful feature is free of any charge for the customer. Mobile money transfer also plays a vital role in remittance. People who live and work abroad can send their family and friends mobile credit, for instance via Fonmoney. The people who receive the top up can then distribute it again to their friends. This saves the sender extra charges for the top up. For instance could a Romanian diaspora who lives in Italy top up his wives phone, who still lives in Romania, and she could distribute the mobile credits within the family, for free and the husband would only have to top up one number instead of many.

Mobile credit transfer – Orange Romania

You can send mobile credits from one Orange prepaid card to another Orange prepaid card by dialling the code (free of charge) *100#. Here you will enter a display menu where you have to follow the instruction. You can send between 1 and 3 Euros worth of credits. Once the mobile credit transfer has been successful, the sender and the receiver will receive a short text message, stating the amount that has been received, or rather deducted. Orange Romania limits the amounts of transactions to other prepaid cards to 3 times each month. The validity of the receiver’s prepaid card will extend for 5 days and is also restricted from making any further recharges for 30 days. The use of this service is free of charge and the transfer of the mobile credit is free as well.

Mobile Credit Transfer – Vodafone Romania

Vodafone Romania has various ways of transferring mobile money between two prepaid phones. You can log on to your Vodafone account you should find under menu point Services – transfer credits Alternatively, you can dial *100#. Here a menu will show up where you have to select 1. My Account, 2. Credit in advance and SOS Services and 3. Transfer Credit Another alternative is to call *222 and select the option 1. Your Credit and Services 2. Out of Credit? and 3. Offer/Ask for Mobile Credit. Vodafone Romania allows transfer mobile money in values of 1 Euros, 2 Euros and 3 Euros. The receiver of the mobile credit will receive a short message with the details about the mobile money transfer.

Mobile Credit Transfer – Cosmote Romania

You can transfer mobile credit within the Comsote network with this easy to use code: *444* amount*number# One example could look like this: *444*3*0760001000#. Once the code has gone through, you will receive a text message from Cosmote with the transaction details. If all the details are correct you will have to dial *444*1# to confirm the credit transfer. Remember: you can only send values of 1, 2 or 3 Euros. The receivers activity period will extend for 7 days when one euro is received, for 13 days when two euros are received and for 21 days when three euros are received.

Remittance flows to Romania and how Mobile Credit plays its role

Romania is one of the top receiving countries of remittance. In a study carried out in 2006 by the ifad, the total inflow of officially registered and classified remittance to Romania constituted of 3.9 percent of the total GDP of Romania. Since then the remittance has risen and reached its high in 2008 with 9.38 Billion US Dollars. It is estimated that over 50 percent of remittance flows to the rural areas of Romania. This is especially relevant since estimates show that only 23 percent of the population in Romania is using financial services, meaning that 77% don’t use any financial services, which is traditionally most common in rural areas. The costs of sending money to Romania can be relatively low when carried out between two banks, but if you don’t have a bank account this is insignificant. Furthermore, a bank transfer takes traditionally between 5-7 working days. It can be assumed that therefore most official remittance takes place through Money Transfer Organisations (MTO) such as Western Union, MoneyGram or Moneybookers, but it can also be assumed that a large amount of remittance is unaccounted for and is remitted through unofficial channels. The MTO’s tend to have better networks than banks and are much faster (claims of under-one-hour delivery). The downside of these companies is that they are very expensive when you want to send small amounts, of less than 100 euros. The fees are as high 21 percent (World Bank, 2013), which is very high.

A shift to mobile credit transfers in Romania

Increasingly Romanians working abroad are using mobile credit as a source of remittance. They buy mobile credit for Cosmote, Vodafone Romania and recharge Orange Romania prepaid phones online. By sending money through this channel, the credit is delivered instantly and received on the mobile device. The costs are much lower for small amounts ranging from 7 to 25 percent (On Fonmoney between 7 and 10 percent), depending on the amount of mobile credits purchased. Mobile credits becomes particularly interesting for people who are unbanked, are on-the-go or lack the availability to collect cash from a partner of one of the MTO’s. Since the mobile saturation in Romania lays around 114 percent (New Media Trend Watch, 2013), it is safe to say that mobile credit has the potential to reach the whole population of Romania.

Remittance vs. Mobile Credit – the pattern reoccurs

When analysing the remittance sent to Romania (World Bank, 2011) with the amounts of mobile credits sent to Romania, it becomes clear that the remittance-flow and the top up flow show a lot of similarities. The highest remittance flow and the highest mobile credit flow into Romania stems from Italy with 29.33% and 37.15% respectively. Other countries such as Spain, Germany, the United Kingdom and France are also well represented in both flows into Romania.


What needs to happen in the future of remittance?

Romania benefits from all levels and varieties of remittance that enters the country: money is being saved and invested, consumption is increasing and general wealth is increasing. The trend needs to shift towards cheaper remittance and a wider array of possibilities. The needs of the sender and receiver are not fully met and need to be fulfilled to increase and facilitate remittance. The World Bank estimates, that when prices for remittance fall by 5 percent up to 16 million USD could be freed up to be send back home. It can be assumed that mobile credit is working as a supplement of classical remittance. A study conducted by Berg Insights predicts that the mobile money transfer market constituted of 350 million USD in 2011 and is growing at a rapid pace. For remittance levels to increase further through official channels, such as MTO’s and mobile credit organisations, Romania needs to further facilitate these flows and impose less laws that constrain the private sector to find further solutions to send and receive remittance. This would free up more and increase the flows of remittance that would enter Romania.

Mobile Airtime Transfer in Poland – At the moment only Plus let’s you share

Transfer mobile money with Plus PolandThe transfer of mobile credits within Poland is only possible within the mobile network of Plus. The exchange of mobile credits between other networks to share and distribute your mobile money to friends and family is traditionally not possible but in some cases within one mobile network, even though sending mobile money between friends and family could be a great way to support friends and family. Sending money is already well established in various countries, a prime example are the Philippines, it has not fully been established in Poland, with the exemption being Plus. SimPlus is the second largest mobile network in Poland and also one that is appealing to the younger generations with innovative products. Plus offers the transfer of mobile credit between prepaid phones for a couple of years now. The service of mobile money transfer by Plus is called “Teleprzelew”“ and is operated through SMS codes. To transfer your top up to another Plus prepaid phone, you have to send a text message to 5511 containing the text “P [Amount] [Plus Number]”, for example “P 15 600 666 666”. Once the message has been send, you will receive a SMS by Plus with the details of the transfer request, including the Plus number that will receive the top up and the amount of mobile money you want to send. If the details are correct, send a SMS within 15 minutes to 5511 with the word ‘TAK” (yes). Plus will charge you a fee of 5 gr including VAT for the transfer of mobile credit. You can only send and receive 20 PLN within a period 30 days. Receiving top up from another prepaid number will not extend the validity of the Plus Sim-card.

Fonmoney is expanding - Top-up now in Senegal, Tunisia and Morocco

Fonmoney is excited to announce that three new countries have been added. You can now top up prepaid numbers in Senegal, Morocco and Tunisia.

Top up SenegalTop up Senegal online

Recharge Tigo or Orange in Senegal with 4920 XOF (8,00 EUR), 9840 XOF (16,00 EUR) or 19680 XOF (32,00 EUR)

TTop up Marocco onlineop up  Morocco

Recharge INWI, Maroc Telecom, Méditel and Bayn in Morocco with 50 MAD (5.50 EUR), 100 MAD (11.00 EUR), 150 MAD (15.00 EUR) or 200 MAD (22.00 EUR)

Top up Tunisia onlineTop up Tunisia

Recharge airtime Orange, Tunisie Telecom and Tunisiana in Tunisia with 15 TND (8.00 EUR), 30 TND (18.00 EUR), 40 TND (25.00 EUR) or 60 TND (37.00 EUR)

A fresh article about Fonmoney on

Fonmoney on Mabzicle is a great blog that provides you with frequent updates about everyday life. Owned by the witty and multi talented information technology student and blogger Richard, Mabzicle not only informs its readers with the latest news and technology advancements but also gives you reviews, tweaks, How-To’s, tips and tutorials. Started in 2009 the blog has done wonderful and has kept its readers intrigued and wanting more. In one of its recent post Mabzicle gives you information about e-loading of Filipino mobiles phones through the Internet. The article particularly expresses the easiness that online loading provides and how it fulfills the needs of hundreds of people seeking services like these. Richard also maintains a Facebook page for his Blog and gives the hundreds of people a sneak peak to his blog posts and the possibility to discuss the articles.

Poland’s Prepaid SIM-cards and Top up possibilities

Graph Market share: (Source: 2012)
Poland is a large country with 4 major mobile network operators. consisting of T-Mobile, Orange, Plus and Play. Poland has a subscriber penetration rate of 141 percent with a total of 54.3 million subscribers. 

T-Mobile Plans & Tariffs

T-Mobile, the largest mobile network provider in Poland has two brands under which they market their prepaid products. The most popular are Tak-Tak and Heyah.Heyah is a pure prepaid provider that offers various prepaid plans that have favorable tariffs for mobile web surfing, SMS packages and cheaper calls. The prepaid cards can be purchased at various locations, for example in supermarkets, shops and gas stations. Generally, Heyah offers two different starter packages, either a package for 5 PLN (1.2 EUR, 1 GBP) or a package for 20 PLN (4.1 GBP, 4.8 EUR). Calls are generally charged with 30 gr. SMS are free within the Heyah network and to other network provider within Poland are charged with 14gr. Mobile internet costs 2 gr for 100 kb but you can choose a data package with 600 MB for 15 PLN (3.6 EUR, 3 GBP) or a Heyah data package with 1,2 GB for 25 PLN (5 GBP, 6 EUR).Heyah can be topped up at the same locations, where you can buy the SIM-cards. Usually you can buy scratch cards with a code that you have to send. Alternatively, you can top up Heyah online on Fonmoney. Heyah can be recharged for 40 PLN (EUR 11), 50 PLN (EUR 14), 80 PLN (EUR 23) and 100 PLN (EUR 28).T-Mobile’s Tak-Tak has various starter packages, the Starter T-Mobile na Karte 20, which costs 20 PLN (4.1 GBP, 4.8 EUR), is valid for 1 month and comes with 20 PLN airtime. The second one is the Starter T-Mobile na Karte 9, which costs 9 PLN (2.1 EUR, 1.8 GBP), is valid for 14 days and comes with 8 PLN airtime.To maintain the validity of your Tak-Tak prepaid card, you must top up your prepaid number regularly. You can recharge your Tak-Tak number comfortably online via Fonmoney with 40 zl (11 EUR), 50 zl (14 EUR), 80 zl (23 EUR) and 100 zl (28 EUR). Alternatively, you can recharge via ATM’s, T-Mobile shops, supermarkets, gas stations and newsstand within Poland. 

Orange Plans & Tariffs

Orange is the second larges mobile operator in Poland. Orange has 5 prepaid tariffs to offer: Orange Smart, Orange One, Nowe Orange Go and Orange Free na karte.Orange Smart is aimed at prepaid users that have a smartphone. Orange Smart users only pay 1gr per 100 KB and get bonus mobile data on every top up. When you recharge your Orange Smart tariff with Fonmoney with 40 zl (11 EUR) you should get 400 MB bonus data, with 50 zl (14 EUR) you should get 1 GB bonus data and with 100 zl (28 EUR) you should get 3 GB of bonus data. Calls within the Orange network and other networks cost 29 gr per minute, SMS cost 20 gr and mobile Internet costs 1 gr per 100 KB.Orange One is a standard tariff that provides bonus minutes, free SMS or free calling days (usually weekends) when you top up for 25 PLN or more. The tariffs are 29 gr per minute (63 gr per minute to Play), only 15 gr per SMS and 50 gr for 100 KB.The Nowe Orange Go prepaid tariff is very interesting, since the more you top up the lower your SMS and calling rates get. When you top up Nowe Orange Go via Fonmoney you will pay the following rates:

  • Top up 40 zl (11 EUR) and the calling rate per minutes is 39 gr within the Orange network, 49 gr outside the Orange network, 10 gr per SMS within the Orange network, 18 gr outside the Orange network, 20 gr per MMS within the Orange network and 30 gr MMS outside the Orange network.
  • When you top up 50 zl (14 EUR) the calling rates drop to 29 gr per minute inside and outside the Orange network. SMS drop to 5 gr within the Orange network and 18 gr outside the Orange network. The MMS costs drop to 10 gr within the Orange network and stay at 30 gr per MMS outside the Orange network.
  • When you top up 100 zl (28 EUR) the costs per call drop to 20 gr per minute within the Orange network and remain at 29 gr per minute outside the Orange network. SMS cost only 1 gr inside the Orange network and remain at 18 gr outside the Orange network. MMS drop to 2 gr within the Orange network and stay at 30 gr per MMS.

Mobile Internet costs 25 gr per 50 KB across all top up stages.Orange Free na karte is aimed at mobile internet, especially for tablet and laptops (sticks). The Internet speed gets up to 42 Mb per second fast. You get great bonus data when you top up Orange Free na karte via Fonmoney. When you top up 50 zl (14 EUR) you already get 2.27 GB (valid for 3 month) on top and when you recharge 100 zl (28 EUR) you get 6 GB on top of your airtime. A call costs 29 gr to all networks, except Play, (75 gr), per SMS you are charged 20 gr, 40 gr per MMS and 1 gr per any additional 100 KB. 

Plus Plans & Tariffs

Plus is the 3rd largest mobile network provider in Poland with a customer base of 13.84 million. Plus prepaid cards are available in 4 different tariffs that operate through the product name Plus na Karte “wiecej do Wszystkich”. The tariffs offer cheap SMS, call and mobile Internet rates.Wiecej do Wszystkich (More to all) concept is that the more you top up the cheaper the rates become. The normal rates are the following: 29 gr per minute to all networks, 19 gr per SMS, 29 gr per MMS and 29 gr per 100 KB data used.

  • When you top up 40 zl (EUR 11) on Fonmoney the Plus rates drop to 25 gr per call per minute and 9 gr per SMS. Once the airtime is charged, activate the tariff by calling *136*11*07#.
  • When you top up 50 zl or more (EUR 14), via Fonmoney, the Plus rates drop to 19 gr per call per minute and 6 gr per SMS. Once the airtime is recharged, activate the tariff by calling *136*11*08#.
  • When you top up 100 zl (EUR 28). or more the, the Plus rate will drop to 9 gr per call per minute and to only 1 gr per SMS. Once the airtime is topped up, activate the tariff by dialing *136*11*09#.

Wiecej Internetu i SMS-ow (More Internet and SMS) is a tariff that gets you a package of 1000 SMS valid for 30 days when you recharge 40 zl (EUR 11) or more (activate under *136*11*02#) and 200 MB for 1 zl per day when you recharge 40 zl (EUR 11) or more (activate under *136*11*03#). The basic rates are 29 gr per call/minute, 9 gr per SMS, 29 gr per MMS and 5 gr for 100 KB.Wiecej w Plusie (Flatrate for SMS and calls) get you unlimited SMS and calls in the Plus network when you make a top up of 50 zl (EUR 14) or more. The tariff is valid for 30 days and is prolonged with each top up made within the 30 days. Activate it under *136*11*08#. 

Play Plans & Tariffs

Play is the fourth largest mobile operator in Poland with a subscriber base of 8.70 million people. Play offers three different prepaid packages: Play na Karte, Play na Kartę Lubię to! and Play na Kartę Rok Ważności Konta.Play na Karte is very popular among young people who enjoy the benefit of getting free calls within the Plus network. Calls to other networks cost 0.29 zl per minute, SMS cost 9 gr and mobile Internet costs 12 gr for 100 KB. You can get unlimited SMS to all networks for only 10 zl, which is valid for 30 days or for 5 zl, which is only active for 7 days (activate under *111*266*1#). You can also activate mobile Internet packages for 5 zl, which will get you 250 MB and is valid for 7 days  (activate by calling 111*274*1#)., or 10 zl, which is valid for 30 days and gets you 1 GB (activate by calling 111*275*1#).Play na Kartę Lubię to! is a great prepaid card aimed at user with smartphones. For each top up you get a mobile Internet package on top of your airtime. The basic rates are: 0,29 zł per call per minute, 0,09 zł per SMS and 0 zł for the first 100 Kb. When you top up your Play prepaid number via Fonmoney you will get the following bonus mobile Internet data:

  • Top up 40 zł on Fonmoney and get 500 MB on this Play tariff.
  • Top up 50 zł on Fonmoney and get 1 GB on this Play tariff.
  • Top up 100 zł or more on Fonmoney and get 2 GB on this Play tariff.

Play na Kartę Rok Ważności Konta is especially interesting for people who need to have a Polish SIM card activated without topping up regular, e.g. tourists or infrequent user. This prepaid card is valid for 365 days after each top up. The basic rates for calls are 0,29 zl per call/minute, SMS cost 0,09 zl (to all networks) and per 100 Kb you pay 0,12 zl.


Do you want to send money to Poland? Click here!

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