Regulatory Alerts2026-01-29
Circular No. 01/EMO/2026, of January 27 – Statistics on Payment Means and Instruments, Access Channels to Financial Services, and Securities
The Bank of Mozambique issued Circular No. 01/EMO/2026 to mandate the standardized monthly and daily reporting of statistics on payment instruments, financial service access channels, and securities by credit institutions and financial companies. The directive establishes strict submission deadlines via the Banking Supervision Application Portal, introduces a 90-day parallel reporting transition period, and revokes three prior circulars. It further details comprehensive metadata requirements across five reporting templates covering bank branches, banking agents, ATMs, POS terminals, and bank accounts to enhance monetary stability monitoring.
Bank of Mozambique Administration
MONETARY STABILITY DEPARTMENT CIRCULAR NO. 01/EMO/2026 Maputo, January 27, 2026
SUBJECT: STATISTICS ON PAYMENT MEANS AND INSTRUMENTS, ACCESS CHANNELS TO FINANCIAL SERVICES, AND SECURITIES
The Bank of Mozambique established, through Notice No. 5/GBM/2025 of October 21, the terms for submitting information necessary for compiling statistics on securities issuances, transactions, and positions; distribution of the branch network of credit institutions and financial companies; system interest rates; credits and deposits; external sector; and the National Payments System.
Thus, under the provisions of paragraph 4 of Article 3 of the aforementioned Notice, the Bank of Mozambique determines:
- The information referred to in Articles 3, 4, and 5 of Notice No. 5/GBM/2025 of October 21 must be submitted to the Bank of Mozambique according to the reporting templates contained in the Annex, which is an integral part of this Circular.
- The templates must be submitted via the BSA Portal (Banking Supervision Application), on a monthly basis, by the 15th (fifteenth) day of the month immediately following the reference period, except for reporting with a daily frequency, expressly identified in the respective templates.
- In cases where credit institutions and financial companies temporarily lack operational capacity to ensure the reporting of information via the means indicated in the previous paragraph, or if the said means are unavailable, reporting must be carried out, on an exceptional basis, via email: DER_SRE@bancomoc.mz.
Bank of Mozambique Administration
- During a period of 90 (ninety) days after the entry into force of this Circular, institutions must proceed with parallel reporting of the information, in accordance with the previous and the new regime introduced, as provided for in Notice No. 05/GBM/2025 of October 21.
- Upon expiry of the period indicated in the previous paragraph, institutions must proceed with reporting exclusively in accordance with the new regime.
- Circulars No. 01/EMO/2020 of August 13, No. 07/EMO/2021 of October 29, and No. 05/EFI/2021 of November 18 are hereby revoked.
- This Circular enters into force on January 28, 2026.
Questions regarding the interpretation and application of this Circular must be submitted to the Statistics and Reporting Department of the Bank of Mozambique.
BANK OF MOZAMBIQUE Monetary Stability Department Maria Esperança Mateus Majimeja (Administrator)
Bank of Mozambique Administration
ANNEX: STATISTICS ON PAYMENT MEANS AND INSTRUMENTS, ACCESS CHANNELS TO FINANCIAL SERVICES, AND SECURITIES
1. Information Submission Templates Institutions covered by Article 2 of Notice No. 05/GBM/2025 of October 21 must submit to the Bank of Mozambique information according to the attached templates.
2. Metadata The communication of information regarding payment means and instruments, access channels to financial services, and securities must be carried out through the following templates:
i. Bank Branches Information must be submitted, containing:
Template 1a – List of Bank Branches
| No. | Variable | Description | Data Type |
|---|---|---|---|
| 1 | Point ID | Unique code/identifier of the bank branch in the reporting system | Text |
| 2 | Branch | Name of the bank branch | Text |
| 3 | Branch Status | 01 - Active; 02 - Inactive; 03 - Temporarily closed; 04 - Permanently closed | Text |
| 4 | Location | Address | Text |
| 5 | District Code | Territorial classification coding (According to the Political-Administrative Division Coder - INE) | Text |
| 6 | Latitude | Geographic coordinate in decimal degrees (e.g., -24.8123) | Decimal |
| 7 | Longitude | Geographic coordinate in decimal degrees (e.g., 32.4561) | Decimal |
| 8 | Start of Activity Date | DD-MM-YYYY | Date |
| 9 | Authorization Date for Start of Activity | DD-MM-YYYY | Date |
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Bank of Mozambique Administration
Template 1b – Operations by Bank Branch
| No. | Variable | Description | Data Type |
|---|---|---|---|
| 1 | Point ID | Unique identifier of the bank branch in the reporting system | Text |
| 2 | Number of Open Accounts | Total number of accounts opened during the month, including basic accounts | Integer |
| 3 | Number of Basic Accounts | Subset of the total open accounts classified as basic accounts | Integer |
| 4 | Number of Meticale Deposits | Number of deposit operations conducted at the branch | Integer |
| 5 | Deposit Value | Total amount deposited in national currency | Decimal |
| 6 | Number of Foreign Currency Deposits | Number of deposit operations conducted at the branch in foreign currency | Integer |
| 7 | Deposit Value (FC) | Total amount (equivalent in meticais) deposited in foreign currency | Decimal |
| 8 | Number of Withdrawals | Number of withdrawal operations conducted | Integer |
| 9 | Withdrawal Value | Total amount (in meticais) withdrawn | Decimal |
| 10 | Number of Credits | Number of credit operations authorized | Integer |
| 11 | Credit Value | Total amount (in meticais) of credit granted | Decimal |
| 12 | Number of National Currency Transfers | Number of interbank or intra-bank transfer operations conducted in meticais | Integer |
| 13 | Transfer Value | Total amount transferred in national currency | Decimal |
| 14 | Number of Foreign Currency Transfers | Number of interbank or intra-bank transfer operations conducted in foreign currency | Integer |
| 15 | Transfer Value (FC) | Total amount transferred in foreign currency (equivalent in meticais) | Decimal |
a) Each line represents operations aggregated by a formally registered bank branch, with a physical location and georeferenced coordinates;
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b) Only data processed directly by the respective branch must be reported, excluding values from banking agents under supervision, where applicable.
Template 1c - Intra-bank Transactions Conducted Over the Counter
| No. | Variable | Description | Data Type |
|---|---|---|---|
| 1 | NUIB | Unique Bank Identification Number of the internet banking client | Text |
| 2 | Transaction ID | Unique identifier of the transaction | Text |
| 3 | Bank Branch ID | Unique code/identifier of the bank branch in the reporting system | Text |
| 4 | Debit NIB | Debit Bank Identification Number | Text |
| 5 | Operation Date and Time | Format: DD-MM-YYYY HH:mm:ss | Date and Time |
| 6 | Operation Type | Type of Operation, as described in sub-paragraph b) | Text |
| 7 | Currency | Currency code (ISO 4217 standard) | Text |
| 8 | Value | Value of the operation (in meticais) | Decimal |
| 9 | Value in Original Currency | Value of the operation in the original currency | Decimal |
| 10 | Commission | Value of the commission associated with the operation conducted (in meticais) | Decimal |
| 11 | Credit NIB | Credit Bank Identification Number | Text |
| 12 | Credit Mobile Number | Credit mobile number, associated with a mobile wallet or mobile account | Integer |
a) The template reports intra-bank transactions in a granular manner, conducted over the counter during the reference month, identified by the transaction code;
b) The "Operation Type" field follows the coding below: 01 - Cheques cleared at the Counter; 02 - Intra-bank Electronic Transfers; 03 - Direct Debits.
c) The transactions reported in this template refer exclusively to operations conducted at the teller counter in bank branches, not including operations conducted through electronic channels, digital platforms, or any other non-face-to-face payment and service means conducted outside the branch.
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ii. Banking Agents
Template 2a - List of Banking Agents
| No. | Variable | Description | Data Type |
|---|---|---|---|
| 1 | Point ID | Unique identifier of the banking agent in the reporting system | Text |
| 2 | Agent | Name of the banking agent | Text |
| 3 | Agent Category | Category coding of the agent, according to sub-paragraph b) | Text |
| 4 | Agent NUIB | Unique Bank Identification Number of the Agent | Text |
| 5 | Affiliated Branch ID | Code of the bank branch to which the agent is affiliated | Text |
| 6 | Location | Address | Text |
| 7 | District Code | Territorial classification coding (According to the Political-Administrative Division Coder - INE) | Text |
| 8 | Latitude | Geographic coordinate in decimal degrees (e.g., -24.8123) | Decimal |
| 9 | Longitude | Geographic coordinate in decimal degrees (e.g., 32.4561) | Decimal |
| 10 | Start of Activity Date | DD-MM-YYYY | Date |
| 11 | Agent Status | 01 - Active; 02 - Inactive | Text |
a) Each line represents an authorized banking agent, with georeferenced location and affiliation to a contracting institution;
b) The "Agent Category" field follows the coding below: 01 - Basic Agent: deposits, withdrawals, balance inquiries, and payments; 02 - Intermediate Agent: also includes transfers and mini-statements; 03 - Full Agent: includes account opening and forwarding of credit proposals (with express BM authorization); 04 - Super Agent: refers to structures that manage sub-agents, not necessarily conducting direct customer service. Must only be included if they conduct transactions directly attributable to a geographic point.
c) Geographic coordinates must be in decimal degrees, compatible with GIS systems.
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Template 2b – Banking Agent Operations
| No. | Variable | Description | Data Type |
|---|---|---|---|
| 1 | Point ID | Unique identifier of the banking agent in the reporting system, even if coordinates are repeated | Text |
| 2 | Number of Open Accounts | Number of accounts opened (applicable only to authorized full banking agents) | Integer |
| 3 | Number of Basic Accounts | Number of basic accounts opened, if segmentation is registered | Integer |
| 4 | Number of Deposits | Number of deposit operations conducted by the banking agent | Integer |
| 5 | Deposit Value | Total amount deposited (in meticais) | Decimal |
| 6 | Number of Withdrawals | Number of withdrawal operations processed | Integer |
| 7 | Withdrawal Value | Total amount withdrawn (in meticais) | Decimal |
| 8 | Number of Transfers | Number of transfer operations conducted | Integer |
| 9 | Transfer Value | Total amount transferred (in meticais) | Decimal |
a) Only activities foreseen in Notice No. 10/GBM/2020 of December 31, which approves the Regulation for the Exercise of Banking Agent Activity, must be reported.
b) The "Number of Basic Accounts" variable only applies when segmented registration occurs during account opening.
iii. ATM – Automated Teller Machine
Template 3a – List of ATMs
| No. | Variable | Description | Data Type |
|---|---|---|---|
| 1 | Point ID | Unique identifier of the ATM terminal, even in case of overlapping location | Text |
| 2 | District Code | Territorial classification coding (According to the Political-Administrative Division Coder - INE) | Text |
| 3 | Latitude | Geographic coordinate in decimal degrees (e.g., -24.8123) | Decimal |
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| 4 | Longitude | Geographic coordinate in decimal degrees (e.g., 32.4561) | Decimal | 4,4 | | 5 | ATM Type | 01 - Classic ATM; 02 - Service ATM; 03 - Deposit ATM; 04 - Multifunctional ATM | Text | 2 | | 6 | ATM Status | 01 - Active; 02 - Under repair/maintenance; 03 - Out of service; 04 - Removed/discontinued | Text | 2 | | 7 | Last Status Update Date | DD-MM-YYYY | Date | 10 |
a) Each line represents a physical automatic access point (ATM) belonging to an institution;
b) ATM Types: 01 - Classic ATM - essentially allows cash withdrawals, balance inquiries, mini-statements; 02 - Service ATM - in addition to classic ATM functions, allows service payments and transfers; 03 - Deposit ATM - allows deposits and balance inquiries; 04 - Multifunctional ATM - Combines all functionalities described above.
Template 3b – Transactions Conducted by ATM
| No. | Variable | Description | Data Type |
|---|---|---|---|
| 1 | Point ID | Unique identifier of the ATM terminal, even in case of overlapping location | Text |
| 2 | Transaction ID | Unique identifier of the transaction | Text |
| 3 | Operation Date and Time | Format: DD-MM-YYYY HH:mm:ss | Date and Time |
| 4 | Operation Type | Type of Operation, as described in sub-paragraph d) | Text |
| 5 | Value | Value of the operation | Decimal |
| 6 | Commission | Value of the commission associated with the operation conducted (in meticais) | Decimal |
| 7 | PAN | Primary Account Number. Identifier of the card used | Text |
| 8 | Debit NIB | Debit Bank Identification Number | Text |
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| 9 | Debit Mobile Number | Debit mobile number, associated with a mobile wallet or mobile account | Integer | 9 | | 10 | Credit NIB | Credit Bank Identification Number | Text | 21 | | 11 | Credit Mobile Number | Credit mobile number, associated with a mobile wallet or mobile account | Integer | 9 |
a) Each line represents a physical automatic access point (ATM) with activity during the reference month;
b) Reporting on transactions conducted by ATM must be done daily, one day after the reference period;
c) Only operations effectively made available on each terminal must be reported;
d) The "Operation Type" field follows the coding below: 01 - Card withdrawal; 02 - Mobile wallet withdrawal; 03 - Mobile phone withdrawal (except mobile wallet); 04 - Transfer to bank account; 05 - Transfer to mobile wallet; 06 - Transfer to mobile phones (except mobile wallet); 07 - Balance inquiry; 08 - Service payment; 09 - Top-up purchase; 10 - Deposit.
iv. POS – POINT OF SALE
Template 4a – List of POS Terminals
| No. | Variable | Description | Data Type |
|---|---|---|---|
| 1 | Point ID | Unique identifier of the POS terminal, even in case of multiple equipment at the same location | Text |
| 2 | Merchant ID | Identifier of the merchant or company that sells goods and/or provides services from the POS terminal | Text |
| 3 | Merchant Category Code (MCC) | 4-digit numeric code that identifies the main nature of the merchant's business | Text |
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| 4 | Merchant NUIB | Unique Bank Identification Number of the Merchant. | Text | 11 | | 5 | POS Type | 01 - Attended; 02 - Kiosk (self-service or unattended) | Text | 2 | | 6 | District Code | Territorial classification coding (According to the Political-Administrative Division Coder - INE) | Text | 4 | | 7 | Latitude | Geographic coordinate in decimal degrees (e.g., -24.8123) | Decimal | 4,4 | | 8 | Longitude | Geographic coordinate in decimal degrees (e.g., 32.4561) | Decimal | 4,4 | | 9 | POS Status | 01 - Active; 02 - Under repair/maintenance; 03 - Out of service; 04 - Removed/discontinued | Text | 2 | | 10 | Last Status Update Date | DD-MM-YYYY | Date | 10 |
a) Each line represents a POS terminal belonging to an institution.
Template 4b – POS Transactions
| No. | Variable | Description | Data Type |
|---|---|---|---|
| 1 | Transaction ID | Unique identifier of the transaction | Text |
| 2 | Point ID | Unique identifier of the POS terminal, even in case of multiple equipment at the same location | Text |
| 3 | Operation Date and Time | Format: DD-MM-YYYY HH:mm:ss | Date and Time |
| 4 | Value | Value of the operation | Decimal |
| 5 | Commission | Value of the commission of the operation conducted (in meticais) | Decimal |
| 6 | PAN | Primary Account Number. Identifier of the card used | Text |
| 7 | Debit NIB | Debit Bank Identification Number | Text |
| 8 | Debit Mobile Number | Debit mobile number, associated with a mobile wallet or mobile account | Integer |
a) Each line represents a transaction conducted on an active POS terminal at a point of sale during the reference month, by means of:
- Bank cards (debit, credit, prepaid);
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- Mobile wallets (source mobile wallet or mobile account, processed on a banking POS).
b) Transactions conducted by POS must be reported daily, one day after the reference period;
c) The "Point ID" field must be unique, even in case of multiple terminals per location.
v. Bank Accounts
Template 5a – Bank Accounts
| No. | Variable | Description | Data Type |
|---|---|---|---|
| 1 | NIB | Bank Identification Number | Text |
| 2 | Holder NUIB | Unique Bank Identification Number of the Holder | Text |
| 3 | IBAN | International Bank Account Number | Text |
| 4 | Branch / Point ID | Identifier of the bank branch that opened/managed the account | Text |
| 5 | Agent / Point ID | Identifier of the banking agent responsible for opening the account | Text |
| 6 | Account Type | 01 - Current; 02 - Basic; 03 - Savings; 04 - Salary; 05 - Business; 06 - General; 07 - Others | Text |
| 7 | Currency | Currency code (ISO 4217 standard) | Integer |
| 8 | Ownership | 01 - Individual natural person; 02 - Joint natural person; 03 - Solidary natural person; 04 - Private legal entity; 05 - Public legal entity; 06 - Non-profit legal entity; 07 - Financial legal entity; 08 - Non-resident legal entity | Text |
| 9 | Holder Type | 01 - Minor; 02 - Adult; 03 - Not applicable (legal entity) | Text |
| 10 | Movement Regime | 01 - Individual signature; 02 - Joint signature; 03 - Mixed signature; 04 - Proxy signature; 05 - Conditional signature | Text |
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| 11 | Holder's Activity Sector | Activity Sector, according to the Economic Activities Classifier (applicable to legal entities) | Text | 6 | | 12 | Holder Company Size | 00 - Not applicable; 01 - Micro; 02 - Small; 03 - Medium; 04 - Large (In case of legal entity) | Text | 2 | | 13 | Holder Company Turnover | Value in meticais (in case of legal entity) | Decimal | 16,2 | | 14 | Holder Company Number of Employees | In case of legal entity | Integer | 10 | | 15 | Special Need Classification / Disability Type | 00 - None; 01 - Physical; 02 - Sensory; 03 - Mental; 04 - Multiple | Text | 2 | | 16 | Preferred Access Channel to Account | 01 - Branch; 02 - ATM; 03 - Mobile App; 04 - Web App; 05 - USSD; 06 - Banking Agent | Text | 2 | | 17 | Account Status | 01 - Active; 02 - Inactive; 03 - Blocked; 04 - Closed | Text | 2 | | 18 | Reason for Status Change | Classification according to the description in sub-paragraph d) | Text | 2 | | 19 | Last Status Update Date | DD-MM-YYYY | Date | 10 | | 20 | Opening Date | DD-MM-YYYY | Date | 10 | | 21 | Closing Date | DD-MM-YYYY | Date | 10 | | 22 | Last Operation Date | DD-MM-YYYY | Date | 10 | | 23 | Last Data Update Date | DD-MM-YYYY | Date | 10 | | 24 | Opening Channel | 01 - Counter; 02 - Digital; 03 - Mobile Branch; 04 - Other | Text | 2 | | 25 | Account Usage Frequency | 01 - Daily; 02 - Weekly; 03 - Monthly; 04 - Sporadic; 05 - Does not use | Text | 2 | | 26 | Opening Regime | G - General; S - Simplified | Text | 1 | | 27 | Politically Exposed Person (PEP) | Y - Yes; N - No | Text | 1 |
a) Company classification according to Article 6 of Law No. 7/2024 of June 6, Law on Micro, Small, and Medium Enterprises.
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b) The "Special Need Classification / Disability Type" variable refers to the identification, classification, or specific category of physical, sensory, or mental limitation presented by the account holder, according to Law No. 10/2024 of June 7 – Law on the Promotion and Protection of the Rights of Persons with Disabilities.
c) The Opening Date variable must be in DD-MM-YYYY format.
d) The "Reason for Status Change" field follows the coding below: 01 - Account reactivation; 02 - Prolonged inactivity / absence of movement; 03 - Lack of registration data update (KYC); 04 - Preventive or temporary block; 05 - Suspected fraud; 06 - Contractual or financial breach; 07 - Court order; 08 - Regulatory or compliance requirement; 09 - Suspected money laundering or terrorist financing; 10 - Application of legal or regulatory sanctions; 11 - Closure requested by the client; 12 - Closure by institution decision; 13 - Product closure or end of contractual relationship; 14 - Death of the holder; 15 - Insolvency, liquidation, or dissolution of the entity; 16 - System migration or operational error correction; 17 - Other reasons.
Template 5b – Authorized Access to Bank Accounts
| No. | Variable | Description | Data Type |
|---|---|---|---|
| 1 | NIB | Bank Identification Number | Text |
| 2 | Structural / Legal Relationship | 01 - Holder; 02 - Co-holder, 03 - Minor's guardian; 04 - Attorney-in-fact; 05 - Beneficial owner (in case of legal entity); 06 - Shareholder without movement powers | Text |
| 3 | Operational Relationship | 01 - Authorized to move funds; 02 - Not authorized to move funds; 03 - Authorized to move funds with limits; 04 - Informational access | Text |
| 4 | NUIB | Unique Bank Identification Number of the shareholder or signatory; | Text |
| 5 | Name | Name of the person authorized to move the account / signatory | Text |
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| 6 | Sex | 01 - Male; 02 - Female | Text | 2 | | 7 | Date of Birth | DD-MM-YYYY | Date | 10 | | 8 | Shareholder Percentage | Percentage value excluding the "%" symbol | Decimal | 3,2 | | 9 | Mobile banking client | 01 - Yes; 02 - No. | Text | 2 | | 10 | Mobile banking subscription date | DD-MM-YYYY | Date | 10 | | 11 | Mobile banking subscription status | 01 - Active; 02 - Inactive; 03 - Blocked; 04 - Closed | Text | 2 | | 12 | Internet banking client | 01 - Yes; 02 - No. | Text | 2 | | 13 | Internet banking subscription date | DD-MM-YYYY | Date | 10 | | 14 | Internet banking subscription status | 01 - Active; 02 - Inactive; 03 - Blocked; 04 - Closed | Text | 2 |
a) The template collects information on authorized access to bank accounts, as well as shareholders of legal entities. For each bank account, it must be