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FAQ

Check below for frequently asked questions

VIVA Cash is a mobile wallet that can be used to pay your day to day expenses, send money to your friends and family, and pay your bills. VIVA Cash is even simpler than using your physical card, and safer too.

With VIVA Cash, you can:

  • Add money to your VIVA Cash account
  • Pay your postpaid bills & recharge your prepaid lines
  • Send money internationally
  • Send money to your friend and family
  • Shop at participating merchants
No. VIVA Cash is a mobile wallet that is similar to a bank account but has nothing to do with your bank account.
Credit and debit cards are used with physical contact to authorize the payment, whereas VIVA Cash is a digital wallet that enables you to pay at participating merchants using your smart phone.
You can use your VIVA Cash account to pay at participating supermarkets, coffee shops, restaurants, pharmacies, cold stores and more. You can also use VIVA Cash to pay your bills, recharge your line, send money to your friends and family, and transfer money internationally.
For the time being, payments at merchant option is only available within the Kingdom of Bahrain. However, you can use VIVA Cash to transfer money and pay your VIVA invoices.

If you become a VIVA Cash customer you will have the following benefits:

  • Exclusive offers from VIVA
  • Offers from participating merchants
  • Lower fees for international money transfer
  • Convenience of sending money to your friends and family
  • Convenience of cashless transactions at participating merchants
  • Simplicity and security of using your smart phone for all of the above

SADAD is the leading payment gateway channel in the Kingdom of Bahrain with numerous accolades under its belt. SADAD was launched in 2010, and within a short span of time, the SADAD brand became known as the one stop payment channel with its easy and friendly user-interface for making payments.

SADAD Electronic Payment System BSC is licensed and regulated as an Ancillary Payment Service Provider by the Central Bank of Bahrain.

Yes, you can create and account, complete the registration process and use VIVA Cash.

No, telecom benefits are reserved only for VIVA subscribers.

Download the VIVA Cash app from the Apple App Store or Google Play Store.

Search for the VIVA Cash App on Apple App store or Google Play Store.

Once you install the app:

  • You will enter your phone number;
  • Confirm your phone number using an OTP that will be sent to you via SMS;
  • You will setup your 4-digit PIN code.

After you register your phone, you should complete your profile information. You will be required to provide documentation in the form of a picture taken from your smart phone.

VIVA Cash is regulated by the Central Bank of Bahrain. The Central Bank of Bahrain wants to make sure that registered VIVA Cash customers are unique and legitimate.

You have to be at least 15 years old to be able to register to VIVA Cash.

Yes, you need to have a valid Bahraini CPR or GCC ID to be able to register. Additional documents (such as your passport) may be required to verify your identity.

Once you register using your phone number and complete your profile information, we will validate what you have provided.

As per the Central Bank of Bahrain’s regulations, we need to call you via video call and ask you few questions to further verify the information that you have provided. This video call will be recorded and shared with Central Bank of Bahrain upon their request.

This is similar to opening a bank account. Upon opening a bank account, you have to visit a bank branch and provide all your details and sign required documents. With VIVA Cash, you don’t need to go anywhere, the verification will happen through your phone. Convenient and simple.

The verification process may take some time. You can call 124 for an update on the status of your application.

Upon logging in, if you do not remember your pin, click on “Forgot your PIN? Click here”. You will be prompted to verify your account with your CPR number, then an OTP will be sent to your registered number via a text message. Once you enter your OTP, you can set up your new pin.

Do not share your PIN with anyone. VIVA Cash representatives will never ask for your PIN.

All your data is safe with us. You can log in to another phone with the OTP verification on your phone number to retrieve your account.

You can have up to 5 accounts per CPR.

Each VIVA Cash account is associated with one phone number. All notifications and offers will be sent to your registered phone number.

Your VIVA Cash account is associated with one phone number. All notifications and offers will be sent to your registered phone number.

If you have changed your phone number, you can call 124 to close your VIVA Cash account. Also, you can always open a new VIVA Cash account with your new phone number (up to 5 accounts are allowed per CPR).

Once your account is verified, you can add money to your VIVA Cash account using any SADAD Kiosk across Bahrain.

Once you add money to your account, you will receive a confirmation SMS and will see that the money has been added to your account on the App.

You can also enter your email address to receive a receipt.

Once your account is verified, you can also add money to your VIVA Cash account using your debit card.

To do this, select “Add Money” from the menu and you will be redirected to Benefit Payment Gateway.

Once you are on the Benefit Payment Gateway, enter the amount you want to add to your account, enter your debit card information and confirm the transaction.

Once you add money to your account, you will receive a confirmation SMS and will see that the money has been added to your account on the App.

You can also enter your email address to receive a receipt.

No. You can deposit money to your VIVA Cash account without any fees.

Tap on the ‘Menu’ section of the application, you will be able to see the available balance on your account. You can also go to ‘History’ to check all recent transactions made through the App.

VIVA Cash currently only supports Bahraini Dinars (BHD).

You can have maximum BHD 1000 on your VIVA Cash account.

VIVA Cash uses UAE Exchange to send money abroad.

UAE EXCHANGE REGISTRATION

As per the Central Bank of Bahrain regulations, you need to register once at one of the UAE Exchange branches to be able to start sending money abroad.
If you have exchanged money / sent money abroad at one of the UAE Exchange branches previously, then you will not need to visit UAE Exchange branch.

MANAGING BENEFICIARIES

If you have sent money abroad at one of the UAE Exchange branches previously and defined beneficiaries, they will be displayed once on your VIVA Cash account.

Otherwise, you need to define beneficiaries. To be able to define a beneficiary, you need his/her bank details. For the time being, only individual beneficiaries are accepted.

EXCHANGE RATES and TRANSFER FEES

Exchange rates are dynamic, they can change at the time of transfer.
Transfer fees are calculated based on the destination country.

You can send maximum of 400 BHD per month.

A minimum of BD 2 can be sent abroad.

A maximum of BD 400 can be sent abroad in a single transaction.

There could be several reasons for this. Contact our customer care (124) to know the exact reason behind the failed remittance transaction.

For certain countries, you can enjoy zero transfer fee for remittance.
The offer for zero transfer fees is available for the below countries:

  • India
  • Bangladesh
  • Pakistan
  • Philippines
  • Sri Lanka
  • Nepal

For all other countries, a transfer fee of 0.8 is applied.

This promotion is valid for a limited time.

You can send money to anyone who has a VIVA Cash account. You can do this in two ways: either by using their phone number, or by using their unique QR Code.

Open your VIVA Cash App

Select “Send Money” Option

Select “VIVA Cash – Phone Number”

Enter the phone number for the VIVA Cash account you wish to send money to

Enter the amount you wish to transfer

Click next, to get to the “Confirm Payment” page

Click “Pay”.

Open your VIVA Cash App

Select “Send Money” Option

Select “VIVA Cash – QR Code”

Scan the QR Code of the VIVA Cash account you wish to transfer money to

Enter the amount you wish to transfer

Click next, to get to the “Confirm Payment” page

Click “Pay”.

A minimum of BHD 0.1 can be sent.

Maximum per transaction: BHD 500
Daily: BHD 1,000
Monthly: BHD 5,000

QR = Quick Response. QR codes store information in two dimensions; they appear as pixelated black and white squares, each containing a unique pattern. They are designed to be read by the camera on your smart phone.

Visit any merchant that accepts VIVA Cash. Upon checking out, the cashier will enter the amount on their device and generate a QR code.

Login to your VIVA Cash account and select “Scan & Pay”.

Verify the payment, and continue.

The amount will be deducted from your account and transferred to merchant.

You will receive a confirmation SMS, and you can also enter your email address to receive a receipt.

  1. No special equipment is needed.

    One of the challenges of mobile payments is finding a solution that works with different devices. QR codes help overcome this challenge. All you need to scan a QR code using the camera on your smart phone.

  2. Quick and easy to use.

    You don’t need to enter the details of the person you are paying, just scanning the QR code will identify them instantly.

  3. More convenience.

    You can make payments using QR codes from any location with only a few taps on your smart device.

  4. Increased safety.

    Storing your payment details on your smart phone and carrying it around is safer than taking your wallet everywhere you go. The chances of theft and fraudulent purchases using your payment details are much less with QR codes.

No. There are no extra fees related to QR code payments.

QR Payments happen in milliseconds. However, if the merchant says that no money is received, check your transactions history. If the transaction appears in the ‘History’ section of your App, you can ask the merchant to check their history as well to verify the transaction. If for any reason the transaction did not happen, it will not show in the ‘History’ section of your App.

You can pay maximum 500 BHD per transaction.

All your transactions are displayed in the ‘History’ section of your App. You can check your history to see the details of your transactions, including the date and time of the transaction.

In case of a refund request, VIVA Cash users will receive a voucher from the merchant where the refund is requested from. No cash refunds or VIVA Cash credit will be provided to customers.

The VIVA Cash payment process is fast, safe and smart. When you add money using your debit card, VIVA Cash doesn’t store your card details as it is done through a secure payment gateway regulated by the CBB. Information is only stored for troubleshooting, fraud prevention, and for regulatory purposes.

You can get money out of your account by going to VIVA Cash's office (SADAD) (Office 23, Ferrari Center, Building 544, Road 3817, Block 338, Al Qudaybiyah, Manama, Bahrain (P.O.Box 26991))

All your transactions, balance and other relevant information will be available on our servers. You can reinstall your application again and login with your phone number and follow the prompts to start using your VIVA Cash App again.

For inquiries, you can call VIVA Cash support line for free (124).

If you want to close VIVA Cash account call 124. If you have some money left, either spend the remaining balance or visit the SADAD office to receive a refund.