Agent banking float calculator
Work out how much cash and e-float a banking or mobile money agent should hold between top-ups, and what the commission adds up to. Works in any currency. Free, no sign-up, nothing leaves your browser.
Use your own typical figures; the starting numbers are only an example. Busy days such as paydays and market days may need more.
Withdrawals outrun deposits, so cash runs down by about 2,000 between top-ups.
How agent banking works
Agent banking lets a bank or mobile money provider serve customers through local shops, kiosks and petrol stations instead of branches. A customer hands cash to the agent, who credits their account; to withdraw, the customer sends money to the agent and gets cash back. The agent earns a small commission on each transaction.
Why float matters
Agents need enough cash and balance on hand, which is called liquidity. Deposits turn the agent's e-float into cash, and withdrawals turn cash back into e-float, so a busy day of one kind can leave the agent short of the other. Providers also have to guard against fraud and make sure agents follow identity and anti-money-laundering rules.
Launch your own money app
SendPay lets you launch your own money app under your brand, with GBP, EUR and USD accounts, transfers, branded Visa cards, payment links, invoices and subscriptions, powered by licensed partners. SendPay doesn't run agent networks, isn't a bank and doesn't offer lending.