A Personal payment account
A payment account you open from your phone after identity verification (KYC). Acceptance, transfers between Centeem accounts, multi-channel top-up and withdrawal through the partner agent network.
Everything you need
Six core functions
Transfers between Centeem accounts
Instant transfer between Centeem accounts, free and with no operational cap other than your available balance. The recipient's ID is enough — no IBAN.
- Executed in under 2 seconds
- Automatic notification and PDF receipt
- Cancellable within 5 minutes (fraud protection)
Merchant payment
Acceptance at partner points of sale via QR (static or dynamic) or contactless. PIN authentication on every payment.
- QR Pay: scan + PIN confirmation
- Contactless: phone-to-phone tap
- Instant payment notification
Multi-channel top-up
Three ways to fund the account: CCP (post-office deposit receipt), BaridiMob (incoming transfer), or cash via a partner agent.
- CCP: photo of the receipt, automatic OCR
- BaridiMob: PDF proof, validated within 1 h
- Agent: cash handover, instant credit
Withdrawal through the agent network
Locate partner agents from the app. Withdrawal is done by generating a QR to show at the point of sale.
- Target: +3,000 agents across 69 wilayas
- BaridiMob withdrawal: 1% (capped at 500 DZD)
- Agent withdrawal: 2% (0.5% Centeem + 1.5% agent)
Savings pocket
Create dedicated pockets within the payment account, with interest over time. Withdraw to your main balance at any time.
- 0.5%/year interest, paid monthly
- Withdraw freely at any time
- Progress tracking built into the app
Access security
Mandatory PIN authentication and optional biometrics (FaceID, fingerprint). Real-time notifications on every move. Freeze your account in one tap.
- 6-digit PIN + optional biometrics
- Automatic freeze on suspicious activity
- 24/7 support
Getting started
Opening process — 5 steps
Fully remote opening from the app, with no branch visit.
Download the app
iOS or Android. Free.
Scan your ID
Automatic OCR in 10 seconds.
Verification selfie
Liveness detection (anti-photo).
Set your PIN
+ optional biometrics.
Receive or top up
Your account is ready.
Sign-up
How to open your account
Everything happens in the app, in a few minutes.
- 1
Download the app and create your account
With your email or phone, in 2 minutes. No documents at this stage.
- 2
Verify your identity (Level 1)
Scan your ID document (secure, contactless read) and take an anti-photo animated selfie.
Art. 2 — Annex I
- 3
Activate your account
A cheque funds your ring-fenced account at our partner bank: your funds stay protected and segregated.
Art. 9 to 15 — ring-fencing
- 4
You're ready
Pay, send, top up, withdraw cash. Move up a level to raise your limits.
Limits & levels
Your levels and limits
The more complete your profile, the higher your limits.
| Level | Per transaction | Per day | Per month | Max balance | What you must provide |
|---|---|---|---|---|---|
| Level 1 | 50 000 DZD | 100 000 DZD | 300 000 DZD | 100 000 DZD | ID document + animated selfie (Annex I) |
| Level 2 | 150 000 DZD | 400 000 DZD | 1 500 000 DZD | 500 000 DZD | + Proof of income & occupation (Annex II) |
| Level 3 | 300 000 DZD | 700 000 DZD | 3 000 000 DZD | 1 000 000 DZD | + Video interview |
These levels and limits are set by Article 2 of Instruction 06-2025 of the Bank of Algeria. Each level corresponds to an identification requirement (Annex I / Annex II) and to per-transaction, daily and monthly limits. Services are provided exclusively in Algerian dinars (Art. 31).
Inside the app
Your everyday money, simplified
Pay, send, top up, withdraw cash and track everything — securely.
Open a Centeem account
Coming soon on iOS and Android. Identity verification compliant with the Bank of Algeria's Instruction 06-2025.