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dhiraagu pay

"convenient. secure. reliable"

dhiraagu pay is an electronic wallet and mobile pay system available for all Dhiraagu mobile customers.

Cash-in your wallet at any Dhiraagu outlet or our nominated dhiraagu pay agents or online from our website and you are good to go.

Your wallet is a great and convenient way to do the following: 

  • pay dhiraagu bills
  • pay merchant bills 
  • pay utilities bill
  • prepaid recharge (dhiraagu numbers)
  • sending money to any local number on any network
  • request money from family and friends

Your dhiraagu pay wallet and your transactions are secured with a PIN

Unique features only available on dhiraagu pay
  • NFC stickers – making any phone a smartphone 
  • Send money - to any number on any local network

For Terms and Conditions click here


  • Get Started
    We will have 2 levels of registration depending on the Wallet limit the customer desires:

    Self Registration

    Create a Wallet with limit MVR 5,000 (applicable for locals only)

    USSD Menu

    • Dial  *777# 
    • For Maldivians, enter your ID number.
    • Agree to Terms & Conditions
    • You can now use your Dhiraagu Mobile Money Wallet.

    dhiraagu pay App

    • Download the app (dhiraagu pay) from App Store or Google Play Store 
    • Enter ID No. for Maldivians only
    • Agree to Terms & Conditions
    • Set the Wallet pin and you are good to go.

    Enhanced Registration

    To create or increase wallet limit to MVR 20,000 (for locals & Expatriates) 

    • Visit Dhiraagu with your National ID or Work Permit & Passport.( with a validity period of at least 14 days)
    • Fill out a dhiraagu pay application Form
    • If all required info/documents are provided, Dhiraagu staff will activate your account immediately.
    • Download the app (dhiraagu pay) from App Store or Google Play Store or use the USSD menu to set the pin and you are good to use the dhiraagu pay wallet. 


    Note:  Every Customer must change their default PIN (OTAC) to a PIN of their choice in order to access dhiraagu pay (menu)
  • Using dhiraagu pay

    Cash in

    • Cash in at any dhiraagu pay Agent or Dhiraagu Customer Services Center. 
    • The dhiraagu pay agent will initiate the cash-in.
    • Once successful, both you and the dhiraagu pay agent will receive an SMS confirming the cash-in.

    Send Money

    • You can send money to any mobile phone user in Maldives, whether on Dhiraagu or any other network.
    • Use dhiraagu pay App, select Send Money. Or dial *777# and select Send Money from USSD Menu.    
    • Enter the recipient mobile number and the amount you wish to transfer. 
    • Confirm the recipient number and amount by entering your dhiraagu pay PIN.
    • Recipient's wallet will receive the e-money sent and both you and the recipient will receive a confirmation SMS. 
    • Your request to send money to another would not be completed if:
          a. you have insufficient funds in your dhiraagu pay wallet to complete a transaction as well as cover the related charges;
          b. you have reached the maximum account balance limit prescribed by dhiraagu;
          c. you have reached the daily limit prescribed by dhiraagu
          d. your Account has been temporarily suspended or permanently frozen on valid grounds.
       

    Cash out

    • Walks in to Dhiraagu Customer Service center or a dhiraagu pay agent to withdraw cash. And provide your mobile phone number at the counter. 
    • You will be required to enter your PIN to confirm the cash-out transaction request.
    • All cash-out requests are subject to applicable charges and transaction limits.
    • Once successful, both you and the dhiraagu pay agent will receive an SMS confirming the cash-out.

    Charges

    You literally pay nothing

    • Dhiraagu Pay Registration is FREE. 
    • Cash-in (buying E-Money from an Agent) is FREE.
    • Person to Person transfer is FREE for both registered customer.
    • Prepaid Recharge using Dhiraagu Mobile Money is FREE.
    • Check Balance is FREE.
    • Changing your PIN is FREE..
    • No subscription / annual fees
    • No minimum balance required.

  • Charges


    Value Range in
    (MVR)
    Service Charge
    (MVR)
    Cash-In 1.00 - wallet limit Free*
    Cash-Out 0 50 1
    51 100 2
    101 250 4
    251 500 5
    501 1,000 10
    1,001 3,000 25
    3,001 5,000 40
    Transfer to Wallet (P2P - send money) Min 1 Free
    Transfer to Unregistered Customers 10 - 2,000 Cash out charges

    * Bank charges may apply when cashed in via website.
  • Agents & Outlets

    Agents

    • Male'
      • Buruzu Investment Pvt. Ltd.
      • Café Retreat
      • Dhiraagu Airport Shop
      • Dhiraagu Customer Service Center
      • Dhiraagu Hulhumale' Front Office
      • Ell Mobile 1
      • Ell Mobile 2
      • Ell Mobile 5
      • Ell Mobile 6
      • Freeguys Holdings Pvt. Ltd.
      • Ihsaan Fihaara
      • Ihsaan Fihaara 2
      • Just For Maakin Pvt. Ltd.
      • Mobile Investment Pvt. Ltd.
      • Mobile Load (Eezee Load)
      • Plaze Enterprises Pvt. Ltd.
      • Recharge
      • Red Wave (Maafannu)
      • Red Wave (Machchangolhi)
      • Red Wave (Galolhu)
      • Red Wave (Henveiru)
      • Smartphone
      • Taviyani Pvt. Ltd.
      • Thoori
    • Velana International Airport
      • Buruzu Investment Pvt. Ltd.
    • Hulhumale'
      • Plaza Enterprises Pvt. Ltd.
      • Red Wave
    • Vilimale'
      • Bulk Company Pvt. Ltd.
    • Guraidhoo
      • Golden Shop
    • Eydhafushi
      • Dhiraagu Eydhafushi Operation Center
    • Fonimagoodhoo
      • Alithari Investment
    • Kanufushi
      • Widence Maldives pvt. ltd.
    • Feydhoo
      • Dhiraagu Feydhoo Customer Front office
    • Hithadhoo
      • Dhiraagu Hithadhoo Operation Center
      • E Hub
      • Plaza Enterprises Pvt. Ltd.
    • Hulhumeedhoo
      • Dhiraagu Hulhumeedhoo Customer Front office
    • Maradhoo-Feydhoo
      • Dhiraagu Maradhoo-Feydhoo Customer Front office
    • Fuvahmulah
      • Dhiraagu Fuvahmulah Operation Center
      • Rapid
      • Creative Solutions
    • Gadhdhoo
      • Dhiraagu Gadhdhoo Operation Center
    • Thinadhoo
      • Dhiraagu Thinadhoo Operation Center
    • Kulhudhuffushi
      • Dhiraagu Kulhudhuffushi Operation Center
      • Best Buddy
    • Kurinbi
      • Feseyha Recharge
    • Kunburudhoo
      • Pentagon
    • Nellaidhoo
      • Vona Mart
    • Gan
      • Dhiraagu Gan Operation Center
    • Funadhoo
      • Faiymini Investment
      • Hello Green
    • Dhangethi
      • Food Saver
    • Alifushi
      • Fahi Pay Pvt. Ltd.


    Merchants

    • Male'
      • Aalya Mart
      • Aan Fihaara
      • Adyan
      • Alleme
      • Asthaa Four And Mart
      • Asthaa Four And Mart (Mahchangoalhi)
      • Asthaa 4N Investment
      • Astrabon
      • Ayaami traders
      • Bakers Fantasy Pvt. Ltd.
      • Bright Moon
      • Buruzu Investment Pvt. Ltd.
      • Café Retreat
      • Camrock Store
      • Care Society
      • D Drive
      • Dhaadharaa Investment
      • Dhathuru Vehi
      • Dhivehi Meyvaa
      • Elements-1
      • Evening Mart
      • Evening Mart (Maafannu)
      • Eye Care Opticals
      • Eye Care Opticals 2
      • FahiPay Pvt Ltd
      • Fantasy Pvt. Ltd.
      • Faseyha 80 Number
      • Faseyha Bazaar
      • Fenda Investment Pvt Ltd
      • Food Buddy
      • Food City
      • Food Fair 1
      • Gift World (Chaandhanee Magu)
      • Gift World Centro
      • H.Miz
      • Haasil Traders
      • Half price shop
      • Ifaloo
      • ibay
      • Ihsaan Company Pvt Ltd
      • Ihsaan Fihaara
      • Informal Cafe House
      • Join Point
      • Just For Maaking Pvt. Ltd.
      • Kaipyro Investment
      • Kaariya
      • Krale Store
      • L.A. Ventures Pvt. Ltd.
      • Link Serve
      • Ma Fihaara
      • Maavadi Store
      • Magna Mart
      • Mirror
      • Modern Living
      • MV Medicals
      • New Chain
      • Nyz Choice
      • Olive Garden
      • People's Mall
      • Pickfine Mart
      • Plaza Enterprises Pvt. Ltd.
      • Quarter Deck Pvt. Ltd.
      • Raisco Trade
      • Red Banana
      • Redwave City Square
      • Redwave Kitchen
      • Redwave Mall
      • Redwave Mart
      • Redwave Plaza
      • Redwave Stadium
      • Redwave Zone
      • Ring N Chain
      • Roalhi Investment
      • Saamaanu Pvt Ltd
      • Sallim
      • Salsa Investments Pvt Ltd
      • Samha Group International Pvt Ltd
      • Samraahi shop
      • SB Woodworks
      • Seahouse brasserie
      • Seahouse brasserie - Staff Lounge
      • Selysha
      • Shif Mart
      • Shopstyle.mv
      • Six R Traders
      • Sky Mart
      • Sky Pest Guard
      • Sunrise Maldives Pvt. Ltd.
      • Taviyani Pvt. Ltd.
      • Ten Baaz
      • The Seahouse Café
      • Triangular Pvt. Ltd.
      • Uraha Mini Mart
      • Vega Point
      • Vims Mart
      • Umma Plus
      • Uraha Mini Mart
    • Hulhumale'
      • A.A.H.H
      • Anu Mart
      • Daka Mart
      • Estirad
      • Eureka Hardware
      • Gift World
      • Naiz Company Pvt Ltd
      • MV Medicals
      • Pal Mart
      • Shopstyle.mv
      • Zillion surprise
    • Vilimale'
      • Bulk Company Pvt. Ltd.
      • Hissa Mart
    • Velana International Airport
      • Buruzu Investment Pvt. Ltd.
    • Magoodhoo
      • Daka Mart
    • Eydhafushi
      • Fasmugoo Supermart
      • Fasmugoo Buildware
      • Friend me
      • Just cute
      • Just cute Mobile
      • Magey Fihaara At Amilla
      • Salsa Investment Pvt Ltd.
    • Fonimagoodhoo
      • Alithari Investment
    • Kanufushi
      • Widence Maldives Pvt. Ltd.
    • Hithadhoo
      • E Hub
      • Fast Food Delivery
      • Maivaara
      • Multi Store
      • Plaza Enterprise Pvt. Ltd.
      • Sarusana
      • Splendis LLP
      • Suvadive Café
    • Fuvahmulah
      • Creative Solutions
      • Mummy
      • Rapid
    • Maduvvari
      • Join Point
    • Gan
      • Leziz
    • Thinadhoo
      • New Chain
      • Nisal Mart
      • The Business Maldives
    • Gadhoo
      • Rahfushu Investment
    • Kulhudhuffushi
      • Aventurine
      • Best Buddy
      • Bounty
      • Carnival Cafe
      • Eye Well Portrait
      • Gasim Ali
      • La Stanza
      • Sapphire
    • Nellaidhoo
      • Vona Mart
    • Kunburudhoo
      • Pentagon
    • Funadhoo
      • Leaf Garden
      • Faiymini Investment
      • Hello Green
      • Faiymini Corner
    • Mahibadhoo
      • Silk root
    • Dhigurah
      • Baadhey Shop
    • Dhangethi
      • Food Saver
    • Mathiveri
      • H Two Life


  • Contact Us

    Contact Us

    Over Phone

    • All Enquiries/ Complaint/ Fault Reporting 123
    • Directory Enquiries 110
    • Dhiraagu Operator 3322802

    If you are calling from outside Maldives please call us on +960 3338887

    Send us an e-mail with your query and we will contact you by e-mail within 24 hours with an answer to your query.

    Email :

     

    Visit Us

    Dhiraagu Customer Front Office
    Ameenee Magu 
    PO Box 2082
    Malé , Rep of Maldives

  • FAQ