Mobile financial services (MFS) offer you to carry out financial operations through an e-wallet ELSOM and a bank settlement account using a mobile. These services are mainly intended for unbanked population.

The e-wallet ELSOM – is a virtual account represented by the mobile number enabling to make payments, to deposit, to transfer and to withdraw money in an electronic way. It has capabilities of a bank account but offers more convenient and easier way to carry out financial operations. Our customers have an opportunity to carry out operations in any place and at any time subject to availability of mobile network.

The e-wallet is essentially a banking card only in a mobile phone.

ELSOM mission is to make modern financial services available to everybody.

Using ELSOM you can easily and safely:

• make  purchases in shops including on sites of internet shops
• pay for utility services, internet, cable TV
• top up the air of your mobile
• make many other payments such as fines of the State traffic police, taxes, loans.
• receive transfers from abroad

And all this is through the e-wallet.