Circular No. 01/EMO/2026, of January 27 – Statistics on Payment Means and Instruments, Access Channels to Financial Services, and Securities

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:

1. 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.
2. 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.
3. 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.

4. 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.
5. Upon expiry of the period indicated in the previous paragraph, institutions must proceed with reporting exclusively in accordance with the new regime.
6. 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.
7. 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)

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	30
2	Branch	Name of the bank branch	Text	200
3	Branch Status	01 - Active; 02 - Inactive; 03 - Temporarily closed; 04 - Permanently closed	Text	2
4	Location	Address	Text	200
5	District Code	Territorial classification coding (According to the Political-Administrative Division Coder - INE)	Text	4
6	Latitude	Geographic coordinate in decimal degrees (e.g., -24.8123)	Decimal	4,4
7	Longitude	Geographic coordinate in decimal degrees (e.g., 32.4561)	Decimal	4,4
8	Start of Activity Date	DD-MM-YYYY	Date	10
9	Authorization Date for Start of Activity	DD-MM-YYYY	Date	10

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	30
2	Number of Open Accounts	Total number of accounts opened during the month, including basic accounts	Integer	10
3	Number of Basic Accounts	Subset of the total open accounts classified as basic accounts	Integer	10
4	Number of Meticale Deposits	Number of deposit operations conducted at the branch	Integer	10
5	Deposit Value	Total amount deposited in national currency	Decimal	16
6	Number of Foreign Currency Deposits	Number of deposit operations conducted at the branch in foreign currency	Integer	10
7	Deposit Value (FC)	Total amount (equivalent in meticais) deposited in foreign currency	Decimal	16,2
8	Number of Withdrawals	Number of withdrawal operations conducted	Integer	10
9	Withdrawal Value	Total amount (in meticais) withdrawn	Decimal	16,2
10	Number of Credits	Number of credit operations authorized	Integer	10
11	Credit Value	Total amount (in meticais) of credit granted	Decimal	16,2
12	Number of National Currency Transfers	Number of interbank or intra-bank transfer operations conducted in meticais	Integer	10
13	Transfer Value	Total amount transferred in national currency	Decimal	16,2
14	Number of Foreign Currency Transfers	Number of interbank or intra-bank transfer operations conducted in foreign currency	Integer	10
15	Transfer Value (FC)	Total amount transferred in foreign currency (equivalent in meticais)	Decimal	16,2

a) Each line represents operations aggregated by a formally registered bank branch, with a physical location and georeferenced coordinates;

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	11
2	Transaction ID	Unique identifier of the transaction	Text	50
3	Bank Branch ID	Unique code/identifier of the bank branch in the reporting system	Text	30
4	Debit NIB	Debit Bank Identification Number	Text	21
5	Operation Date and Time	Format: DD-MM-YYYY HH:mm:ss	Date and Time	19
6	Operation Type	Type of Operation, as described in sub-paragraph b)	Text	2
7	Currency	Currency code (ISO 4217 standard)	Text	3
8	Value	Value of the operation (in meticais)	Decimal	16,2
9	Value in Original Currency	Value of the operation in the original currency	Decimal	16,2
10	Commission	Value of the commission associated with the operation conducted (in meticais)	Decimal	7,2
11	Credit NIB	Credit Bank Identification Number	Text	21
12	Credit Mobile Number	Credit mobile number, associated with a mobile wallet or mobile account	Integer	9

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.

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	30
2	Agent	Name of the banking agent	Text	100
3	Agent Category	Category coding of the agent, according to sub-paragraph b)	Text	02
4	Agent NUIB	Unique Bank Identification Number of the Agent	Text	11
5	Affiliated Branch ID	Code of the bank branch to which the agent is affiliated	Text	30
6	Location	Address	Text	300
7	District Code	Territorial classification coding (According to the Political-Administrative Division Coder - INE)	Text	4
8	Latitude	Geographic coordinate in decimal degrees (e.g., -24.8123)	Decimal	4,4
9	Longitude	Geographic coordinate in decimal degrees (e.g., 32.4561)	Decimal	4,4
10	Start of Activity Date	DD-MM-YYYY	Date	10
11	Agent Status	01 - Active; 02 - Inactive	Text	02

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.

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	30
2	Number of Open Accounts	Number of accounts opened (applicable only to authorized full banking agents)	Integer	10
3	Number of Basic Accounts	Number of basic accounts opened, if segmentation is registered	Integer	10
4	Number of Deposits	Number of deposit operations conducted by the banking agent	Integer	10
5	Deposit Value	Total amount deposited (in meticais)	Decimal	16,2
6	Number of Withdrawals	Number of withdrawal operations processed	Integer	10
7	Withdrawal Value	Total amount withdrawn (in meticais)	Decimal	16,2
8	Number of Transfers	Number of transfer operations conducted	Integer	10
9	Transfer Value	Total amount transferred (in meticais)	Decimal	16,2

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	30
2	District Code	Territorial classification coding (According to the Political-Administrative Division Coder - INE)	Text	4
3	Latitude	Geographic coordinate in decimal degrees (e.g., -24.8123)	Decimal	4,4

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	30
2	Transaction ID	Unique identifier of the transaction	Text	50
3	Operation Date and Time	Format: DD-MM-YYYY HH:mm:ss	Date and Time	19
4	Operation Type	Type of Operation, as described in sub-paragraph d)	Text	2
5	Value	Value of the operation	Decimal	16,2
6	Commission	Value of the commission associated with the operation conducted (in meticais)	Decimal	7,2
7	PAN	Primary Account Number. Identifier of the card used	Text	19
8	Debit NIB	Debit Bank Identification Number	Text	21

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	30
2	Merchant ID	Identifier of the merchant or company that sells goods and/or provides services from the POS terminal	Text	20
3	Merchant Category Code (MCC)	4-digit numeric code that identifies the main nature of the merchant's business	Text	4

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	50
2	Point ID	Unique identifier of the POS terminal, even in case of multiple equipment at the same location	Text	30
3	Operation Date and Time	Format: DD-MM-YYYY HH:mm:ss	Date and Time	19
4	Value	Value of the operation	Decimal	16,2
5	Commission	Value of the commission of the operation conducted (in meticais)	Decimal	7,2
6	PAN	Primary Account Number. Identifier of the card used	Text	19
7	Debit NIB	Debit Bank Identification Number	Text	21
8	Debit Mobile Number	Debit mobile number, associated with a mobile wallet or mobile account	Integer	9

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);

• 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	21
2	Holder NUIB	Unique Bank Identification Number of the Holder	Text	11
3	IBAN	International Bank Account Number	Text	34
4	Branch / Point ID	Identifier of the bank branch that opened/managed the account	Text	30
5	Agent / Point ID	Identifier of the banking agent responsible for opening the account	Text	30
6	Account Type	01 - Current; 02 - Basic; 03 - Savings; 04 - Salary; 05 - Business; 06 - General; 07 - Others	Text	2
7	Currency	Currency code (ISO 4217 standard)	Integer	3
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	2
9	Holder Type	01 - Minor; 02 - Adult; 03 - Not applicable (legal entity)	Text	2
10	Movement Regime	01 - Individual signature; 02 - Joint signature; 03 - Mixed signature; 04 - Proxy signature; 05 - Conditional signature	Text	2

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.

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	21
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	2
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	2
4	NUIB	Unique Bank Identification Number of the shareholder or signatory;	Text	11
5	Name	Name of the person authorized to move the account / signatory	Text	100

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