Agency Banking is a model that brings banking services closer to users by replacing traditional branches with authorized agents who can carry out essential financial transactions. Instead of visiting a bank, users can go to a certified agent in their neighborhood to deposit or withdraw money safely.
This approach is changing the face of financial inclusion across the Democratic Republic of Congo. And at the heart of this transformation stands one essential pillar: the illicocash agent. From city neighborhoods to rural communities, agents offer a reliable way to carry out every day financial operations without ever stepping into a bank branch.
This guide will walk you through how to find an agent near you, what services are available, and how to use them safely and easily.
Who are illicocash agents?
An illicocash agent is an individual or business officially authorized to carry out financial services on behalf of illicocash. These agents are often located in shops, kiosks, or neighborhood businesses and are equipped with a Point of Sale [POS] terminal or mobile system.
Agents allow users to perform key transactions such as:
- Depositing cash into the illicocash wallet.
- Withdrawing cash from the illicocash wallet.
- Carrying out similar operations for Rawbank customers.
They are essential for users who don’t have easy access to a bank branch or ATM. Through them, you can perform financial transactions safely and quickly, without traveling far or waiting in long lines.
Why are agents important?
Many illicocash users live in areas where bank branches are far or hard to reach. Even in urban centers, getting to a bank may involve long queues, lost time, or unnecessary costs. Agents help solve these issues by offering the same services, but in more familiar and accessible places.
They reduce travel time, lower the risk of carrying large amounts of cash over long distances, and make banking more human and local. This is especially important for advancing financial inclusion across the DRC.
What can you do at an agent point?
At any illicocash agent, you can deposit cash into your wallet, withdraw funds, or even carry out the same services if you are a Rawbank customer. All transactions are processed digitally on a POS terminal or mobile system, and the funds appear instantly in your account. You can also receive assistance with using the app and request printed or digital receipts.
How it works:
Transactions at an ILLICOCASH agent are simple and quick. Here’s what to expect:
To make a deposit:
- Hand the cash to the agent.
- Provide your phone number or unique code for verification.
- The agent enters your details into the POS terminal.
- The amount is immediately credited to your ILLICOCASH wallet.
To withdraw money:
- Provide your phone number and a verification code, or swipe your ILLICOCASH card if available.
- The agent confirms the amount and processes the transaction.
- You receive your cash on the spot.
Rawbank clients can follow similar steps to deposit or withdraw funds from their bank accounts using the same agent network.
How to find an agent near you:
The illicocash app includes a built-in tool to help you find the nearest agent quickly. Simply log in, go to the “Agent Locator” section, and either allow location access or type in your area manually. You’ll be shown a list or map of available agents, including directions and working hours.
This makes it easy to plan your visit and ensures that you are always going to a certified location.
Tips for safe and smooth transactions:
When using an agent, it’s important to take basic precautions. Always use the official app to confirm the agent’s location. Never share your PIN code, check the transaction details carefully before confirming, and ask for a receipt. If something feels unusual or unclear, use the app’s support feature to report it directly.