MyCash Service Terms & Conditions

These terms and conditions (the “Terms”) apply to you and govern your use of the MyCash Service (the “Service”). You should read these Terms carefully before using the MyCash Service.  “We” or “us” means the Digicel entity applicable in each country as specified in Schedule 1 below.  References to “we”, “our” and “us” in these Terms also include our subsidiaries and affiliates (“Affiliates”) from time to time.  “You” or “Customer” means the registered MyCash customer or other person using the MyCash Service (and “your” shall have the same meaning).  By using the Service, whether occasionally, frequently or permanently, or by otherwise indicating your consent, you agree to be legally bound by these Terms. If you do not agree to or accept any of these Terms, or if you are under the age of eighteen (18), you should stop using the Service immediately.  You may not transfer or assign any obligations or responsibilities arising from these Terms to third parties in any way and may not make any third party a partner to responsibilities written in these Terms and, therefore, in related legal provisions due to any reason.




In these Terms, unless the context otherwise requires, the following words and expressions shall have the following meanings:

  1. “Add Money” means adding funds to Your MyCash and may be referred to as “load”;
  2. “Authorized MyCash Agent” means a person or business that is contracted to facilitate transactions for MyCash Customers;
  3. “Country” means the Country in which You register and use the Service;
  4. “Fee” means an amount of money that You must pay or will be charged to You for the use of the MyCash Service;
  5. “MyCash Account” means the wallet or account You open with Us through Your mobile phone upon fulfilling the registration requirements in Schedule 1.
  6. “MyCash Service” or “Service” means all hardware, software, components and other proprietary systems that comprise and enable the services offered by Us, which include Our safe, simple and accessible payment and money transfer services;
  7. MyCash Charges and Fees” means all charges and fees outlines in the MyCash Charges and Fees Table as amended from time to time and posted in MyCash Agent locations and the MyCash website or app;
  8. “Identification Document(s)” means the document(s) required to complete registration and any transactions identified in Schedule 1. This may be a driver’s license, passport or any other valid government-issued photo ID in the Country;
  9. “Know Your Customer” (KYC) has the meaning given in Anti-Money Laundering (AML) regulations and Digicel Financial Services’ own policies and procedures. It means all elements of identification, verification and consumer due diligence standards set by the government and relevant regulatory authorities in the Country as communicated to Us by the Issuer in relation to Your use of the MyCash Service and approved by Digicel Financial Services’ policies and procedures;
  10. “Mobile Phone Number” means Your 7 digit Digicel mobile number connected to Your MyCash Account;
  11. “PIN” means a 4-digit number that You will be using to access Your MyCash Account, use the MyCash Service and authorize transactions;
  12. “Registration” means the process that You must follow and complete to open a MyCash Account and access the MyCash Service. Details required to complete the registration include full names (first and last name, date of birth, occupation, citizenship, and valid home address as outlined in Schedule 1);
  13. “Transaction” means the movement of money into and out of Your MyCash Account and includes Adding, Transfer and Withdrawal of funds.
  14. “Transaction Limits” means the maximum amount that You can hold in Your MyCash or transfer to another MyCash Customer, which is set in consultation with respective Regulators;
  15. “Media Outlets” means publications or broadcast programs that provide news and feature stories to the public through various distribution channels, including newspapers, magazines, radio, television, and the internet;
  16. “Transaction Requirements” means information which may be requested to complete a MyCash transaction, which includes the source of funds, purpose of the transaction, and relation to the other party.



You agree to use the MyCash Services solely for Your personal, non-commercial purposes (unless otherwise agreed in writing with Us) and in accordance with these Terms. You agree not to, and You will not permit others to, license, sell, rent, lease, assign, distribute, transmit, host, outsource, disclose or otherwise commercially exploit MyCash or make it available to any third party. We reserve the right to modify, suspend or discontinue, temporarily or permanently, the MyCash Service or any service to which it connects, with or without notice and without liability to You.



To use the MyCash Service, you must have a Digicel SIM. Download the Digicel MyCash App from the Google Play Store on Your Android smartphone, or from the App Store on Your iOS device. Register for Your MyCash Account by entering Your mobile phone number and following the steps on the screen. You will receive a welcome text and temporary personal identification number (PIN) so that you may log in and use the MyCash Service.  Based on Your Country, there may be further “Know Your Customer” or agreement sign-off requirements before You are able to use the MyCash Service and You may be able to link Your local bank account to your MyCash Account.  If You are a Digicel customer and You do not have a smartphone, or if our application is not supported on Your smartphone, or if our application is not supported on Your smartphone, You may register and use the MyCash Service by dialing *888# and following the steps. If You are a former Digicel Mobile Money user, Your MyCash Account is created automatically, and You may log in with Your registered number and PIN.

You shall ensure that the details provided by You upon registration and at any time thereafter during Your continued use of the MyCash Service, is correct and complete. Kindly inform Us immediately of any changes to the information that You have provided when registering by updating Your details on Your MyCash Account. You may also update Your details or change Your PIN by calling Us at 123. We are committed to ensuring that Your privacy is protected.  Please refer to our Privacy Policy which explains how We treat and use Your information. 



Add Money: You may Add Money (deposit) to Your MyCash by visiting an authorized MyCash Agent. Before an Add Money Transaction is completed, We will ensure that the add will not cause Your balance to exceed the Transaction Limits, which is set in consultation with the respective Regulators. Any addition that would cause Your MyCash to exceed the maximum allowable Transaction Limits will be rejected. You will receive a text message alerting You that You have added money to Your MyCash.

Receive Money: You may receive money from another MyCash Customer. You will be notified of incoming money transfers by text message from MyCash. If You have registered for a MyCash Account, You may receive a remittance or money transfer from a sender outside of Your Country through one of our selected partners. We will ensure that the add will not cause Your balance to exceed the Transaction Limits, which is set in consultation with the respective Regulators.

Send Money: You can send money to other MyCash Customers. MyCash will send You a text message when You transfer money to other MyCash Customers. To avoid sending money to the wrong person, please use the quick response (QR) code provided or select a customer from Your contact list by name instead of entering their phone number manually.

Pay Goods and Services: You can make payment for goods and services through Your MyCash if the Merchant or Business You are contracting with accepts MyCash Service.

Pay Bills: You can pay bills if the biller’s company You have contracted with has and accepts MyCash Service.

Withdraw Money: You can withdraw money by visiting an authorized MyCash Agent. You may be required to provide Your Identification Document for the Transaction. Please note that You will not be able to withdraw money from any MyCash Agent outside of your Country.

Save Money: You may save and hold money securely in Your MyCash wallet at no additional fees.

Locate Agents: You may use Our GPS locator to find an authorized MyCash Agent nearest to You.

Other Functionalities: We reserve the right, at Our sole discretion, to add, amend, discontinue or substitute MyCash features and services.

Note - For specific Transactions, or if You are receiving or withdrawing money without a MyCash Account, You shall be required to provide Identification Documents and present confirmation messages to an Authorized MyCash Agent for identification and verification.



We shall charge You a Transaction fee for all chargeable Transactions outlined in MyCash Charges and Fees, which fees are subject to change at Our discretion. The current MyCash Charges and Fees may be found at You understand that all Transactions subjected to MyCash Charges and Fees will only be successful if the amount in Your MyCash Account is sufficient to cover the Transaction cost and relevant Fees. MyCash may have promotions and special events from time to time which may allow certain features of the MyCash Service to be offered for free or at a discounted rate for a specific period of time.



All Transactions conducted using Your MyCash Account are deemed to be Your authorized Transactions and You are responsible for all such Transactions. You shall keep Your MyCash PIN secret and You agree to indemnify Us against any loss, damages or claims made in respect of all Transactions conducted using Your PIN. If You suspect that Your MyCash PIN has been compromised in any way, You have the obligation to call Us on 123 to facilitate blocking of Your MyCash Account until You give Us instructions to unblock it. You may also block Your MyCash Account by visiting a Digicel Store or Authorized MyCash Agent. All Transactions conducted prior to Your MyCash being blocked are deemed authorized Transactions for which You are responsible. You shall have three (3) attempts to enter Your correct PIN with every PIN authorized Transaction. After three (3) wrong attempts, Your MyCash Account will be blocked for security reasons. In the event You replace Your SIM, Your MyCash will be blocked/suspended. You must call Us for verification of Your Identity before You can select a new PIN to access a blocked or suspended MyCash.



All Transactions once completed are final, irreversible and irrevocable. You should therefore ensure that details of Your intended Transactions are correct prior to completion.



We reserve the right to, without any notice to You, suspend or terminate Your use of the MyCash Services and Your MyCash Account if You are in violation of any of our Terms. Upon termination of Your MyCash Account, you are required to visit an Authorized MyCash Agent to withdraw any funds that may be in Your MyCash Account. Your MyCash may also be terminated upon (i) instruction of an authorized government entity, or (ii) instructions or acts of Your network provider, or (iii) breach of these Terms or other MyCash directives; or (iv) violation of any local or international anti-money laundering (AML), counter terrorist financing (CTF) or fraud prevention (FP) laws and regulations, or the Digicel Financial Services’ AML, CTF or FP policies and procedures. You may choose to terminate your MyCash Account at any time.



Your privacy and personal information are important to Us. Any personal information that You provide to Us will be dealt with in line with Our Privacy Policy, which explains what personal information We collect from You, how and why We collect, store, use and share such information, Your rights in relation to Your personal information and how to contact Us and supervisory authorities in the event You have a query or complaint about the use of Your personal information. Our Privacy Policy is available at



The MyCash Service and Your MyCash Account are reliant on network connectivity and other factors outside of Our control including but not limited to emergency maintenance, network availability and Your internet service provider. You are solely responsible for all associated fees and costs incurred by You for connectivity and data usage in relation to Your use of the MyCash Service.  The Service may be affected by periodic maintenance, repair or testing. While We shall make every effort that all Transactions are processed in a secure and timely manner, We make no such warranties or representations and will not be liable in the event that You do not receive continuous, secure or uninterrupted MyCash Services. We will not be liable for any claim unless such claim is caused by willful default attributable to Us and in such event, Our liability to You shall be limited to the Transaction amount and applicable Fees. We expressly disclaim all liability for any loss or damage including without limitation direct, indirect, consequently incidental, special, punitive or any other damages resulting from or caused by (i) Incorrect information submitted by You to Us at any time including during the registration process; (ii) Transactions conducted from Your MyCash Account before any report of unauthorized use as required in clause 6 above; (iii) Transactions made to unintended recipient or payments made to incorrect parties (iv) Transactions relating to incorrect amounts; (v) Acts beyond human control in accordance with clause 11 below (vi) Acts of government, regulatory authorities and other third parties. 

You agree to indemnify Us and keep Us indemnified against all loss, damages and liability that We may suffer (including claims from third parties) resulting from any of Your acts and omissions including Your breach of these Terms.



We shall not be liable to You or any other party for any delay or failure to perform Our obligations under these Terms as a result of revolution or other civil disorders; belligerent aggression by an enemy; strikes; lack of available resources from persons other than parties to this Terms; labour disputes; electrical equipment or system availability delay or failure; fires; floods; epidemic; natural disasters; acts of God; government or regulatory intervention; or any other causes not within Our control, and which by the exercise of reasonable diligence We are unable to prevent, whether listed in this clause or not. If such delay or failure continues for at least thirty (30) days then either You or We may terminate Our engagement by notice in writing to the other.



All Transactions shall be in the local currency of the Country unless otherwise specified. Using Your MyCash Account to conduct Transactions on behalf of another person may subject You to criminal liability under law. You shall not use Your MyCash Account to conduct any activities that are prohibited by law or in breach of these Terms. We may amend these Terms from time to time. Such amendments will be notified to You through Your MyCash Account, Our MyCash website or other Media Outlets, and will be applicable to You immediately upon Your continued use of the MyCash Service. These Terms are governed by the laws of the Country and are subject to the courts of the capital city of the Country. Any Part or all of any provisions of these Terms that is illegal or unenforceable may be severed from this Terms and the remaining provisions of this Terms shall remain in force. For customers support, please dial 123 or visit an Authorized MyCash Agent to speak to a customer care representative.



Country Digicel MyCash Entity Total Wallet Limit Domestic Transaction Limit Daily Total Transaction Limit International Daily Remittance Transaction Limit Required Pre-registration Information Required Identification Documents
Fiji Digicel (Fiji) PTE Limited FJD10,000 FJD1,000 FJD5,000 FJD5,000
  1. Full names (First and Last Name)
  2. Date of Birth
  3. Occupation
  4. Valid Home Address
  1. Driving Licence

  2. Passport

  3. Any other valid photo ID accepted and regulated in country

Samoa Digicel Financial Services (Samoa) Limited WST10,000 WST5,000 WST10,000 WST10,000
Tonga Digicel (Tonga) Limited TOP10,000 TOP1,000 TOP10,000 TOP10,000
Vanuatu Digicel (Vanuatu) Limited VUV500,000 VUV100,000 VUV500,000 VUV500,000