Oromia Bank, formerly known as Oromia International Bank, has launched an innovative digital fuel-payment solution, the “Milkii” app. The app was introduced at a Libya Oil Ethiopia gas station near Mexico Square in Addis Ababa, in collaboration with the Ministry of Transport and Logistics. The launch aims to modernize the fuel payment process and promote financial inclusion for Ethiopians.
Here’s a step-by-step guide on how to pay for fuel using the Milkii app:
1. Basic Requirements for Using Milkii
Before using the Milkii app to pay for fuel, ensure you meet the following requirements:
- Oromia Bank Account: You must have an active Oromia Bank account since Milkii is integrated with the bank’s digital banking services.
- Smartphone: The Milkii app is compatible with Android and iOS smartphones.
- Internet Access: A stable internet connection is needed for app setup and transactions, although some features work offline or via USSD in low-connectivity areas.
- Identification: A valid ID (such as a national ID or driver’s license) is required for account verification or loan approval.
2. Installing the Milkii App
To start using the Milkii app, download it from either the Google Play Store or Apple App Store. Simply search for “Milkii” by Oromia Bank and install the official app.
3. Setting Up the Milkii App
Once installed, follow these steps to get started:
- Registration: New users must open the app, select “Register,” and enter their Oromia Bank account details along with personal information. An OTP will be sent for identity verification.
- Login for Existing Users: If you’re an existing user, simply log in using your Oromia Bank credentials or your Milkii-specific PIN.
- Linking Your Bank Account: Connect your Oromia Bank account to the Milkii app to access funds and apply for credit if needed.
- Activate Fuel Payment: Navigate to the app’s “Fuel Payment” section and enable the fuel-on-credit option, agreeing to the loan terms if necessary.
Read: How Ethiopians can Pay Insurance through M-Pesa
4. Paying for Fuel at a Gas Station
Once your Milkii app is set up, follow these steps to make a fuel payment at participating stations:
- Locate a Participating Gas Station: Use the “Find Station” feature in the app to locate nearby gas stations accepting Milkii payments. Verify with the attendant before fueling.
- Initiate Payment: Open the Milkii app, log in, and select the “Fuel Payment” or “Pay” option. Choose your payment method (either from your bank account or using fuel-on-credit).
- Generate Payment Code: The app will generate a QR code or transaction code for the attendant to scan. Alternatively, provide your registered phone number or account ID for manual verification.
- Complete Fueling: Once the payment is verified, the attendant will dispense the fuel. You will receive a transaction confirmation via the app or SMS.
5. Managing Fuel Credit
If you choose to pay for fuel on credit, you’ll be required to repay over a period of 60 to 180 days, depending on the loan amount. The maximum APR is 10%, with transparent fees. For example, a 500 ETB fuel loan would require repayment of 550 ETB over 90 days. You can view and manage your loan balance, set up auto-debit, and make repayments directly via the Milkii app.
Read: How Banks in Kenya are Taking Advantage of AI in 2025
6. Key Tips for Users
- Check Station Compatibility: Not all stations accept Milkii, so verify ahead of time.
- Monitor Transactions: Regularly review your transaction history in the app.
- Secure Your Account: Use strong PINs and enable biometric authentication to protect your account.
- Stay Updated: Make sure to update the Milkii app regularly for new features and security enhancements.
7. Troubleshooting Common Issues
If you experience issues such as a declined payment, ensure your account has sufficient funds or credit and check the gas station’s acceptance of Milkii. For app errors, updating or reinstalling the app might help.
As of May 2025, Milkii is primarily available in Ethiopia, with plans to expand its reach through partnerships like Libya Oil Ethiopia. The app employs secure features such as facial recognition and two-factor authentication to protect transactions. Beyond fuel payments, Milkii also supports micro-loans for airtime, merchant payments, and asset financing, making it a versatile financial tool.
Jefferson Wachira is a writer at Africa Digest News, specializing in banking and finance trends, and their impact on African economies.