Bank where you do business. Simpler, safer way to pay and get paid.
Our partners affiliates
Onkout, Ltd. is a financial technology service company, not a bank. Banking services are provided by Onkout's banking affiliate, Galaxy International Bank, Ltd., Premier Bank, Ltd., and Bushra Business Bank, Ltd. (BBbank). Members of the Central Bank of Somalia (CBS).
We’re making your money work for you to spend, send and save as you need to.
Your financial freedom is essential, despite your level of financial literacy in a hostile environment, that you’re able to safely and conveniently access your payments, checking account, traditional rotating savings, and cash flow, synced together seamlessly from anywhere—no matter how near or far.
Get more done with Onkout BlueStar Digital Banking.
Modern banking, in your pocket. No branch queues, no hidden charges, no complex language. Just award-winning products and innovative features that make managing your money feel like a breath of fresh air.
Fully authorised digital banking in Somalia
BlueStar is authorized through Galaxy International Bank and regulated by the Central Bank of Somalia, ensuring trust and security for every transaction.
Learn about BlueStar
Simple ways to pay and get paid
Send and receive money in a few taps. Skip the bank details—payments are fast, secure, and designed for effortless daily use.
Explore Payments
See your money in a whole new light
Monitor earnings and spending with real-time transaction insights. Stay on budget with optional alerts that keep you in control of your finances.
View Insights
Save together with the power of community
Use Ayuuto+ Group Pool to manage money, budget for bills, and grow your savings alongside family and friends with community-backed tools.
Explore Ayuuto+
Convenient contactless QR payments
Use unique QR codes for safer, contact-free transfers. Ensure vendor legitimacy and speed up your daily purchases with a simple scan.
Use QR Payments
So what exactly do you get with Onkout BlueStar Digital Banking?
Put aside your excess revenue
Contribute a percentage of daily sales into an Ayuuto+ group pool for a simple, community-backed digital saving strategy.
Instant and secure transactions
Scan QR codes for 24/7 transparent payments. Verify business legitimacy and spend with confidence using your BlueStar account.
Keep your eyes on the gold
Use visual charts to track income versus expenses, helping you stay within limits while building your digital credit score.
Somalia & Kenya breakdown
Send or receive money across borders with no monthly fees, fair exchange rates, and zero hidden commissions.
Put aside your excess revenue
Contribute a percentage of daily sales into an Ayuuto+ group pool for a simple, community-backed digital saving strategy.
Instant and secure transactions
Scan QR codes for 24/7 transparent payments. Verify business legitimacy and spend with confidence using your BlueStar account.
Keep your eyes on the gold
Use visual charts to track income versus expenses, helping you stay within limits while building your digital credit score.
Somalia & Kenya breakdown
Send or receive money across borders with no monthly fees, fair exchange rates, and zero hidden commissions.
Micro, Small and Medium-size businesses saw increase in sales with e-Suuqa Online.
Unbanked and small business owners face long-standing and often unfair treatment from financial services, such as unnecessary, outdated fees and a lack of secure government–issued ID. Onkout’s tools expand service to the unbanked and small business owners' clients.
Your Blue Star digital wallet.
Serving the self-made.
Found typical business bank accounts to be too expensive or inadequate for their daily operational needs and growth ambitions.
Of traditional rotating saving groups are female-organised, while maintaining a significant thirty percent male participation rate.
Small business owners were rejected by big banks due to a lack of affordable ID or failure to see the value in government documentation.
Supporting and safeguarding MSMEs from predatory business practice
“Over 70% of adults in Somalia are still unbanked – without access to secure, regulated financial services. This financial exclusion creates a massive barrier to economic participation, limiting opportunities for millions of people in Somalia.”
Simple, flat rates and no
surprises.
Keep payment processing simple with fair, transparent pricing, without misinterpreted fees or lock-in contracts, ever.
Supported currencies
Get one plan for your
entire business
Keep track of customer data when you run your business with Onkout. No hidden fees or locked-in contracts. Cancel or switch plans anytime.
FAQ
Industry-first security you can bank on.
Onkout, the Onkout logo, BlueStar Digital Banking Financial Services, Onkout B-in Control Business Management, and others are tools and trademarks of Onkout, Ltd. Onkout Ayuuto Cultural Financial Saving is wholly owned by Onkout, Ltd.
Onkout, Ltd. is a financial services platform, and the Central Bank of Somalia (CBS) regulates Onkout’s tools through our third-party bank partner affiliate, Galaxy International Bank, Ltd., so as to inspect all or part of a risk-based framework focusing on Damiin AML/CFT compliance, Onkout’s BlueStar tool e-money licensing, minimum capital requirements, and QR–Payment digital payment security.
Onkout Bank Account
Onkout Bank Account is issued by partner banks, Member SBS. Instant availability of Onkout Payments. Funds generated through Onkout’s payment processing services are generally available in the Onkout Digital Bank account balance immediately after a payment is processed. Fund availability times may vary due to technical issues.
Onkout’s Ayuuto Cultural Savings
Group savings accounts are provided by Onkout’s Digital Banking BlueStar affiliate, Galaxy International Bank, Ltd., Member CBS. Accrue a group participation yield (GPY) of 1–5% per folder on folder balances over $10. GPY is subject to change, current as of 8/9/2026. No minimum deposit is required to open an account.
The rate of our cultural savings group account is more than 2x the national average of 0.41% GPY, based on the national average of Ayuuto+ culturally group savings rates published in Onkout’s geedi-socodi Daily, Weekly, and Monthly National Rates and Rate Caps, accurate as of 8/9/2026.
Onkout’s Ayuuto Cultural Savings and Loans
All loans are issued by Onkout’s Digital Banking BlueStar in collaboration with Onkout’s banking affiliate Galaxy International Bank, Ltd. The actual fee depends upon the contribution payment to the Ayuuto+ group pool processing history, loan amount, and other eligibility factors. Loan eligibility is not guaranteed. All loans are subject to credit approval.
Onkout’s Permit–Hub
In commitment to our mission of empowering survivalists and MSMEs, we utilized insights and approvals from the municipality to partially design and develop a new, independent business registration system. A business Permit is a digital document issued through Onkout’s B-in Control tool by the municipality’s local government Directorate of Business and Industrial Development.
The mandate of the Directorate of Business and Industrial Development is to issue business permits through the Onkout(s) B-in Control tool. It’s also mandated to regulate and stimulate the different sectors while raising the level of jobs in their respective municipal jurisdictions and controlling businesses through the issuance and renewal of Business permits.