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Mongolia · 
Banking & PaymentsToki
A Mongolian super app for payments and everyday services, from taxis, food and grocery delivery and tickets to bills, parking, traffic fines and mobile data, used by about 1.5 million people.
About Toki
Toki is a Mongolian lifestyle and payments app that reports about 1.5 million active users, more than 60 services and over 4,000 partner organisations. In one app it offers ride-hailing and taxis, food, coffee and grocery delivery, tickets for films, trains, buses and events, travel SIMs, parking, EV charging, traffic fine payments and insurance. Toki Pay handles balances and linked bank cards, with credit and pay-later options, and Toki Mobile sells SIM plans on the Unitel network. Accounts are verified with a live face check against the national registry photo.
Key Features
- Toki Pay: Pay in shops and online, link bank cards and use pay-later plans.
- Everyday Services: Taxis, delivery, tickets, parking and EV charging in one app.
- Bills and Fines: Pay utility bills and traffic fines.
- Toki Mobile: SIM plans and mobile data on the Unitel network.
How to Get Started
- Install Toki from the App Store, Google Play or AppGallery.
- Register with your Mongolian phone number.
- Complete identity verification with your ID and a face check.
- Link a bank card or top up your balance and start paying.
Important NoticeIdentity verification uses Mongolia's national registry, so the full app is mainly for citizens and residents with Mongolian ID; short-term visitors may not be able to verify. The app is mostly in Mongolian. Credit and pay-later products carry fees and repayment obligations, so read the terms first.
Local number needed
Local ID needed
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Frequently Asked Questions
- Does Toki work with a foreign bank card in Mongolia?
- Not reliably — a foreign card may be declined. Check the notice above, or plan to use a local payment method.
- Is Toki available in English?
- Not officially — the interface is mainly in the local language.
- Do I need a local phone number to use Toki?
- Yes, Toki requires a local phone number to register.
- Do I need local ID or residency for Toki?
- Yes, Toki requires local ID or residency status.
Alternatives to Toki in Mongolia