e-DINARThe Tunisian post office’s prepaid card and online payment solution, one of only two e-commerce gateways in the country, alongside that of the SMT, Tunisia’s card switch. ⚠️ Naming trap: e-Dinar is this postal product, NOT a Tunisian CBDC. The press often confuses the two.La Poste Tunisienne · since 2000
Global registry · Africa & Middle East · North Africa
Tunisia Payment systems
5 systems listed.
This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.
IBAN · Tunisia
24 characters79 BIC codes
- Total length
- 24 characters
- Bank code position
- 5–6
- Branch code position
- 7–9
- BBAN structure
2!n3!n13!n2!n
Structurally valid example
TNcountry code59check digits10bank006branch035183598478831account
TN59 1000 6035 1835 9847 8831
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Payments in East AfricaPayments in Portuguese-speaking and southern AfricaMobile money in AfricaPayments in West and Southern AfricaPayments in the CEMAC zonePayments in the Gulf and the Middle EastAccepting payments in AfricaAccepting payments in Egypt and the MaghrebAccepting payments in the GulfCollecting payments in Kenya and East AfricaCollecting payments in Nigeria and West AfricaPayments in Africa: the continent that reinvented mobile money
Wallets
D17The Tunisian Post’s consumer mobile payment app: e-DINAR account management, card top-ups, bill payments, person-to-person transfers, and merchant payments via a Masterpass-certified QR code. It is the product that made e-DINAR usable day to day, and the most widely used mobile payment solution in the country.La Poste Tunisienne (marketed under the DigiPostBank brand; linked to the Tunisian Post’s e-DINAR accounts)
Other
Monétique Tunisie (SMT, Société Monétique Tunisie)Tunisia’s national card switch, a mobile and biller aggregator, and the operator of the “Click to Pay SMT” e-commerce gateway, the most widely used solution in Tunisia and backed by most local banks. The mandatory entry point for any online merchant in Tunisia.Société Monétique Tunisie (owned by Tunisian banks) · since 1989
Elyssa-RTGSTunisia’s real-time gross settlement system, launched in 2022 to replace SGMT. It is the settlement leg for SIBTEL and Tunisian card payments: a contract that still refers to “SGMT” in practice means this system.Banque Centrale de Tunisie · since 2022More than TND 2,032 billion settled over the year (Banque Centrale de Tunisie, reported by the Tunisian business press, 2024)
SGMT (Système de Gros Montants de Tunisie)DiscontinuedTunisia’s first RTGS, in service for about 15 years from the mid-2000s, with a minimum of TND 100,000 per transfer. Replaced by Elyssa-RTGS in 2022. Listed here because the acronym still appears in older Tunisian banking agreements and procedures.Banque Centrale de Tunisie