Adding funds to your Mamo card
To enjoy the benefits of spending on your Mamo Card, you'll need to add funds to it. You can choose to top up from your available balance, or through a manual bank transfer. Read exactly how to top up your card.
Purchases
The Mamo Card can be used to make online and in-store purchases worldwide. It can also be added to virtual wallets such as Apple Pay, Google Pay and Samsung Pay.
Here are guides on setting these up on your device:
Authorizing purchases
To ensure only intended users use the Mamo Card, authorization is required for purchases. Depending on the merchant, authorization can be done through:
An OTP code sent to the cardholder’s email address and mobile number, or
A PIN code might be requested for in-store purchases.
Note that OTPs delivered via SMS will only work for local UAE numbers. If you have a non-UAE number, you'll receive your OTP via email only.
Purchase notifications
You will receive notifications and emails regarding your successful and declined purchases.
Within the Expenses tab on the Mamo dashboard, you can find transactions categorized based on their status in the Transactions section:
Completed
Declined
Refunded
Reversed
How do I set my Mamo Card PIN?
You may need to reset the PIN of an active card, or set the PIN for the first time to activate a new card.
To reset the PIN for an active card:
Log into your Mamo Dashboard
Navigate to the Cards > Active section and find the card you want to reset the PIN for
Click on the three dots (•••) to the far right of the table
Select Change PIN
To create a PIN for an inactive card:
Log into your Mamo Dashboard
Navigate to the Cards > Inactive section and find the card you want to activate and set a PIN for
Click into the card to see the Card details page
Int the yellow banner at the top, click "Activate card" and set the PIN
Failed transactions
Occasionally, you may run into a situation where a Mamo Card transaction is not successful. The most common reasons for declined card transactions are:
Insufficient funds: Your card balance does not cover the transaction amount. You might need to top up your card balance.
Incorrect PIN: You've entered an invalid PIN, or entered the wrong PIN too many times. Make sure you enter the correct PIN for the card you're using.
Spend limit reached: You may have set spend limits on your card, and the transaction exceeds this limit.
Card has been frozen: You may have frozen this card in the past. To unfreeze it, simply go to Cards > Frozen and find the card you want to unfreeze.
Where can I see the reason for a declined transaction?
The reason for the transaction failure will always be shown to you. Here's how you can see it:
From your dashboard, go to Expenses > Transactions
Find the declined transaction, and click on it to reveal the transaction details
The reason for the decline will appear in red above the transaction details
If the reason is not showing, or you need us to investigate the matter, please chat to Support from your dashboard. It's really helpful to us if you can provide screenshots of the error message you've received when attempting the transaction.