CCMUSA – Câmara de Comércio Moçambique USA

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Visitors to Mozambique should be aware that it is difficult to obtain cash in Maputo with a credit, debit or cash card. Cashing a traveller’s cheque is expensive and facilities are not available everywhere. It is not possible to obtain fuel from filling stations with any card at all. It should also be noted that foreing currency is not freely available as it is imported as required. Most Hotels and restaurants will accept credit card for payment and USDollars/Rand notes are accepted for payment at filling stations, street vendors and other establishments. Except to have the exchange rate determined by the supplier or vendor!




There are a number of commercial banks in Mozambique, with their head officies in Maputo, which provide bank account service to individuals and companies. The opening and maintaining of accounts by residents are subject to Mozambique Exchange Control Regulations – requirements and restrictions are applicable – Which should be discussed with the bank before the opening of a bank account.




Several Exchange Control Regulations apply to residents, non – residents and companies in Mozambique.



A resident individual is defined as any persosn with Mozambican Identity Papers or any person with a foreing passport that has been issued “resident” status by the Mozambique authorities (DIRE).

Residents can open and maintain bank accounts in Meticais, US Dollar and Rand. The buying of foreing currency and cross-border transfers are subject to Exchange Control and restricted to specific categories of transaction within certain limits, whilst prior approval from the Exchange Control authorities is required for other types of transactions.

Residents individuals can buy up to 5000USD (or the equivalent in Rand or other Foreing Currency, if available) with Meticais for a travel allowance and certain other categories of transactions.


This facility is subject to proof of residence, indentity and the availability of foreing currency notes.


Non – Residents

A non-residents is a persosn with a foreing passaport who is in Mozambique on a visa, issued to that person by the Mozambican authorities, valid for a specific period.


Non residents are allowed to open and maintain a bank account in Mozambique. Any funds credited to accounts, designated as a non-resident account, have to originate in foreing currency from a source that is cross-border and not from a local resident source. Cash credited to such an account can be freely converted to Meticais, spent locally and remaining balance in foreing currency can be freely trnasfered back to the source.



Residents Companies

A resident company is a company or entity registered in Mozambique. Resident companies can obtain foreing currency transfers from authorized banks, for payment of the importation of goods, subject to the presentation of all relevant import permits, commercial invoices and customs clearance documentation (Document Unique). Payment for other transactions such as services or inter-company loans, are subject to certain limits or prior approval from the Exchange Control authorities.



The unofficial outles such as tobacconists and bottle stores are illegal and nto issue a recipt even though, you might get a marginally better exchange rate.
[/vc_column_text][vc_empty_space height=”3px”][/eltdf_tabs_item][eltdf_tabs_item tab_title=”BORDER PROCEDURES”][vc_empty_space height=”22px”][eltdf_section_title type=”standard” position=”” separator=”yes” title_tag=”” disable_break_words=”no” separator-color=”#ff1949″ title=”BORDER PROCEDURES”][vc_empty_space height=”41px”][vc_column_text]At the gate a customs agent may stop you and ask to check your passport. Make sure you stop to collect a gate pass. The gate pass indicates your registration number and how many people are in the car. In the event it is not filled in by the customs officer, you can fill it in inside when filling in car papers.


  • Drive up to the first building, park on the left side and go inside the building – all the persons in the car. This is important on the South African side.
  • If you have anything to declare for a tax  refund – see below on when and how to declare goods.
  • If your car is a S.A registered vehicle, fill in the form at the desk (see attached). The customs agent will stamp it and give you back a copy as well as a gate pass (see attached).
  • If your car is registered in Mozambique, just sign the copy of the paper you received at the S.A border when you left and hand it to the agent. He will keep it nad stamp your gate pass.
  • Proceed to the passport queue to get your passport and gate pass stamped.
  • Go back to your car and drive to the gate. Hand the gate pass to a customs agent.



(Only applicable to non-SA residents)


  • After you have parked your car inside the gates, go inside and get receipts stamped at the customs desk. Only receipts that have a tax invoice number will be accepted.
  • Go outside and locate a customs agent to inspect the goods, to sing and stamp your form.
  • Go inside to the vat refund desk to collect your cheque.


VALUED OVER R 5.000.00

(Only applicable to non- SA residents)

  • Before going through the gate on the. S.A border, you will see caravans and tables located alongside the road, these are the clearing agents who will fill out a form for you at a cost of about R40.00.
  • After you have parked your car inside the gates, go inside and get your forms and recipsts stamped at the customs desk. Only receipts that have a tax invoice number will be accepted.
  • Go outside and locate a customs agent to inspect the goods, to sing and stamp your form.
  • Go inside to the VAT refund desk to collect your cheque.




Stop at the gate a customs agent will write your registration number, the date and number of people in the car on a gate pass and hand it to you. All foreigners need a valid visa or “Dire” (resident permit).


  • If there are a lot of trucks parked on the left, you may pass them – park on the left side of the building and go inside.
  • One person can handle the passports and another person the car papers. It is an acceptable procedure to let children and other persons stay in the car.
  • Foreigners or Non-Dire holders are required to have an entry visa for Mozambique and pay 28.000Mt/equivalent Rand value per passport. At times it is possible to get an entry visa at the border, but take note that this takes time, and you should try and obtain a visa before arriving.
  • If your car is a S.A registered vehicle, you will have to fill out a form (see attached) and pay 25.000Mt/the equivalent Rand value. The agent will give you a copy and stamp your gate pass. It is compulsory for  S.A registered vehicles to get Mozambique third party insurance. This can be obtained in the customs hall at one of the two insurance desks – on your left when you enter the hall.
  • If your car is a Mozambican registered vehicle, hand the agent the copy of the paper you received when you left Mozambique and the gate pass to stamp. He  will keep the  copy of the vehicle paper and hand you back the gate pass.
  • Go outside to find a customs agent to inspect your vehicle. He will ask you if you have anything to declare (see procedure declaring goods below). He might still want to inspect the content of the vehicle and will the sing the gate pass. Please note the rule of USD 50.00 per month on goods imported per person is still valid. Drive to the gate and hand the gate pass to one of the agents there.




  • Consumables up to USD 50 per month – After getting the gate pass stamped at the desk for vehicle papers and completed the handling of the vehicle forms (see above), proceed outside to find a customs inspector to inspect the goods.
  • Sign the gate card and declare if you have anything.


  • If you have nothing to declare i.e. consumables up to USD (which is allowed once per month), he will inspect the vehicle and sing the gate pass.
  • After getting the gate pass stamped at the desk for vehicles and completed the vehicle forms (see above), proceed outside to find a customs inspect the goods – please take note of this persons name  and face as he will have to sing your gate pass once the duty has been paid. The inspector will make a notification on the back of the gate pass.
  • Go to the outside desk where the duty is assessed and clearance papers are made up.
  • Proceed to the inside desk – next to the vehicle paper desk – to  pay the duty. The forms will also be stamped.
  • Go outside desk where “original customs inspector”,he will sing your gate pass.
  • You may now proceed to the  exit gate and hand in the gate pass to the inspector at the gate.


Goods to declare, valued over USD 500


  • If the value of the gods to declare is higher than USD500, the goods have to go through “Frigo”in Matola.
  • You will need to leave the goods at the border and collect it again approximately 2 weeks later in Matola.
  • Alternatively you can use an import/export company such as Embassy Export (Te: + 27 137449291 Marius) that will transport the goods, handle the formalities and deliver it to your door.




  • A customs agent may stop to see your passport. Collect the vehicle papers from one of the agents (no gate passed are issued). As from December 2002 no more vehicle are handed at the gate, you now have to enter the main building and purchase the vehicle papers, fill them in and hand them back to the customs officer to stamp  – this will cost you 25.000Mt.
  • Drive up the first building, park your vehicle on the lest side (or where parking is available) and go inside. It is acceptable for one person present all the passenger’s passports whilst to rest remain with the vehicle. (This is not so on the R.S.A. side).
  • If you vehicle is a S.A registered, hand the customs officer tehe copy of paper you received when you left Mozamique. No gate pass is issued.
  • If you veicle is Mozambican registered, fill in the form, handit do custms officer and  pay 25.000Mt. He will stamp the paper  and return the copy to you. No gate pass is issued.
  • Drive to the gate – occasionally an immigration officer will ask to see the passports.


  • Drive up to the little booth in the right lane – please note that the left lane is for truck only. An agent will fill out a gate pass for you. Park your car and go inside – all persons must be viewed by the passport control.
  • Go through passport control and then continue to have your vehicle papers and gate pass stamped.
  • Fill in the car papers and declare if you are taking out any computer or equipment.
  • If your vehicle is SA registered, give the copy of the form you received when you left SA to the customer officer and get your gate pass stamped.
  • If your vehicle is Mozambican registered fill out the form and hand it to the customs officer. He will stamp the gate pass, the form and hand you back a copy.
  • Drive up to the gate and hand the gate pass to a customs officer. He may inspect your car.
  • As from December 2002, all persosns had to step out of the car and proceed through a plastic container, wich will ensure that the “Foot and Mouth” decease is not passed into South Africa – do not travel with your pets without the correct paper work.




  • All vehicles must have the original registration documents.
  • All foreing vehicles must have a Mozambican temporary impor permit, this is obtainable at the border – this is also applicable to boats, caravans an trailers.
  • All foreing vehicles must have Mozambican 3rd party insurance, this is obtainable at the border.
  • All vehicles towing a trailer need to have an emergency red triangle displayed on the front of the vehicle.
  • Keep your engine number, chassis number, radio details, value and weight of the vehicle handy – you need these details to fill in the documents at the border.




  • It is possible to obtain a visa at the border when you are entering Mozambique. A fee of USD20 is charged at the airpot office and/or at the Ressano Garcia Border port.
  • Should you have prior warning of visitors arriving without a visa, write a letter requesting a visa to immigration at the airport with a copy of the visitor’s passport – the visa will be processed within 10 minutes at the airport.
  • The border visa is valid for 1 single entry and 30 days. It may be extended for 60 days.




  • Lebombo / Ressano Garcia                – 06:00 – 22:00 During December and January the border is open 24 hours.
  • Kosi bay / Ponta do Ouro – 08:00 – 17:00h
  • Lomashasha / namaacha – 06:00 – 20:00h



NB: In the event that you need to change your money either entering Mozambique or leaving at the BP garage Centre, next to Wimby on the South African side of the border, go to : FX Africa, Bureau de Change Tel: + 13 793 745 711.[/vc_column_text][vc_empty_space height=”3px”][/eltdf_tabs_item][eltdf_tabs_item tab_title=”INSURANCE”][vc_empty_space height=”22px”][eltdf_section_title type=”standard” position=”” separator=”yes” title_tag=”” disable_break_words=”no” separator-color=”#ff1949″ title=”INSURANCE”][vc_empty_space height=”41px”][vc_column_text]


The Insurance Industry in Mozambique is governed by the Ministério do Plano de

Finanças. The inspecçao Geral  de Seguros is the department responsible for

insurance within this ministry, which is headed by Dr. Domingos José who presides

as Presidente da Comissão Instaladora. Mozambique is in the process of updating all

aspects of Insurance regulations.


The new specific Insurance Act, came into force in January 2003. This is in line with Dr. Domingos Jose’s primary mandates to assess the present insurance legislation and introduce change in line with the current international standards.


The process of estabilishing comprehensive international insurance norms is currently underway. Locally registered companies need to take care to heed the following obligatory insurance requirements.


INSS Contributions – instituto Nacional de Segurança Social is the state run Social Security System. A 7% monthly contribution, 4% paid by the employer and 3% by the employee is legislated.


Acidentes de Trabalho – Workmen’s Compesation Insurance

Third Party Liability Insurance on all foreing registered vehicles.

All insurance requirements should be bought from a locally registered underwriter.


Local Underwriters: – Since 1991 several private insurance companies have entered the market and the state insurer – Emose was restructured into a Limited Liability Company ( Sociedade de Responsabilidade Limitada) some of the Private Insurance Companies include: Impar / SIM (Seguradora Internacional de Moçambique)


Two companies recently merged controlled by BIM (Banco Internacional de Moçambique) – Portuguese Investment CGSM – Companhia Geral de Seguros de Moçambique Private South African Investment. Owned and administered by the Lewis Family.


Hollard Moçambique – Hollard Moçambique Companhia de Seguros – South African.

Investment wholly owned subsidiary of the Hollard Insurance Group of South Africa. MCS – Moçambique Companhia de Seguros – Portuguese Investment.


Hollard Seguros, a subsidiary of the Hollard Insurance Group of South, is kenn to estabilish a long-term partnership with local investors and assist achieving their short- team and long –term objectivies in Mozambique.



Hollard is the largest independent insurance group in South Africa with assets in excess of R5,9 billion, shareholders funds exceeding R1,3 billion and premium income over the R3,8 billion mark. It has a consistent record of profitability ever since it’s inception in 1980 and operates through the Hollard Insurance Company, Hollard Life Assurance Company, Hollard International (Guernsey), Clientele life Assurance Company and Lombard Insurance Company (specialist financial guarantee business). We have underwriting and broking operations in the United States, United Kingdown, Austrália, Thailand, Pakistan, Namíbia and Mozambique.


Through this companies, with a team, in South Africa, exceeding 1000 motivated people; Hollard is able to offer the full range of insurance products. In addition, having introduced the concept of Captive insurance to South Africa at our inception in 1980, we are able to provide both onshore and offshore facilities to cover the full enterprise risk management needs of clients.


In this regard we have been at the cutting edge of the fusion of baking and insurance products throught our specialist consultancy, Eikos Risk applications.


The groups international philosophy is one of Afro-globalisation – uding a strong South African skills base, infrastructure and balance sheet to partner with locals and investors in setting up focused businesses.


Since opening in 2001, Hollard Mozambique companhia de Seguros SARL has established itself as a prominent player in the Mozambique insurance market.


Hollard Mozambique is able to provide for both corporate and private client insurance needs. Products would include the full range of commercial and industrial and personal insurances ranging from fire, motor, liability, construction/enginnering, marine , accident/ funeral, workes compensation.


Further more, in line with Hollard’s innovative strategy Hollard Mozambique has introduced the First Comprehensive Medical Plan  for Mozambique.


A Medical plan that will satisfy the health care funding needs of families living and working in Mozambique, has been introduced as recently as January 2004.


Hollard Strategey is to develop and introduce new and innovative risk solutions and the new Medical Plan fits squarely into this strategy. We have contracted BESTMED Medical  Scheme in South Africa and SOSNetcare911 in Mozambique to provide Medical Benefits and Emergency Services to our clients. The plan has unique benefits such as:

  • premiums payable in Mozambique
  • full Emergency Assistance and Evacuation by Road or Air on standby in Maputo
  • claims Mozambique Medical Service providers will be settled in Mozambique
  • claims from South African Medical Service Providers will be settled South Africa
  • authorization for medical procedures done in Maputo
  • member service office in Maputo deals with claims and payments
  • Banco Barclays Visa Electron Medical Account issued to members
  • employers may legally claim employee contribuitions to the as payroll/remuneration expenses


The participation of BESTMED Medical Scheme, that has been in operation for 40 years and providing healthcare to more than 27,000 families in Sout Africa, is the most important element os ensuring the satisfaction to our Mozambican members.


All enquiries may be directed to the Hollard Mozambique offices in the JAT building opposite FACIM in Av. 25 de Setembro in Maputo or contac Samantha or Francesca on 01-313114 for further information.


A brief description of Hollard Mozambique’s current offering can be reviewed as follows:


  1.  Obligatory Workman’s Compesantion – we have capacity to underwrite this class of business for which it is obligatory for all companies to insure as per local labour legislation. Our insurance contract is based on standard market policy document.



  1. Personal and Commercial Lines Policy – Hollard has designed a multi peril insurance policy derived from the international markets and adapted for local use on which a private or public centerprise can be insured against specified risk wich pose under one contract for the following option risks which treat your assets, employees and business activity:


Fire and Alied Perils Section – designed to protect your capital against perils of fire, lightning or thunderbolt, explosion etc. Building Combined Section – covers in one section both perils covered under the Fire section plus additional perils of theft and property owners liability combined into one section. This cover is suitable for schools, churches, hospitals, sports, clubs and similar sort of facilities.


Office contents – protects your general office contents against perils covered under the Fire Section as well as provide optional cover for Loss of Rent


Business Interruption – If your premises insured under either fire, Buildings or Office are damaged by perils defined in the fire section, the resultant interruption or interference of your business operation can lead to: loss of gross profit, loss of rent, loss of revenue, additional increase in cost of working, wages, fines and penalties.


General Liabilities – to compensate the insured for legal liability to third parties arising as a result of your business activites. This cover can be subdivided as follows:


Public liability – Products liability – Employers liability


Motor – For your vehicles we offer various options to cover your vehicles. The most basic cover is insurance for Motor. Third Party Only which insures your vehicles against damage or injury of third parties. The broadest form of cover is Comprehensive Motor in which you are insured against any damage or injury to third parties as well as theft/hi-jack and damage to your own vehicle a result of accidents.


Other services include: Electronic Equipment All Risk, Personal Accident/Stated Benefits.


Funeral Benefits – This is an insurance which can be arranged for a group of members in which each of the insured members is entitled to a payment of an agreed lump to cover expenses of a funeral of the members and their dependants, Marine Hull and Cargo – We have capacity drawn from Marine specialist underwrites, ASTRA MARITIME, to insure risks of trasnportation of goods  by sea, air  or road/rail and small marine craft, Engineering Projects, All Risk (CAR) and machinery Breakdown (MBD), Assets All Risks, Other: Bonds, Guarantees and Export Credit, Travel Insurance, Agricultural risks, Directors & Officers Liability, Professional Indemnity, etc.


We at Hollard are extremely excited about the prospects of entering into a long term partnership in risk management with local business, current and future investors as well as the discerning private individual and believe that with the full backing of the Hollard Insurance Group we have a unique proposition to offer within the Mozambique market. Please contact us at


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MALÁRIA is a potentially fatal illness of tropical and subtropical regions. The disease is caused by a parasite, which transmits to human beings bitten by infected mosquitoes. The disease is widespread in África and over one million people die of malária every year on the continent.



Malária is encountered throughout Mozambique, in South Africa (mainly in Mpumalanga and Kwa – Zulu Natal), Swaziland, Zimbabwe, most of Botswana and the north of Namíbia. The transmission is higher during the warmer and wetter months from November through to April, May to October, the risks of malaria are reduced.



Personal protection methods and use of anti – malarial medication together, can help protect against getting Malária.



Use insect repellent containing DEET, especially at night, wear clothing that covers your body at night sleep under mosquito nets, Spray your sleeping quarters, sleep in a cool / ar –conditioned room.



If you are visiting a malária area on a temporary basis, it is advisable to take on the following prophylactic drugs: – Doxycyline, Mefloquine (lariam) and Chloroquine and Paludrin combination.


Remember that the parasite most commonly found in Mozambique is chloroquine resistant, but you will still have a good, if not full, protection against severe cerebral malária.

If you are sensitive to these medications, it is advisable to take them in the morning with breakfast. Taking this medication at night could cause restless nights and vivid dreams. Keeping in mind that it is still possible to contact malaria and you should have a blood test done as soon as you recongnise any of the symptoms. People who live in a malária area for longer than 2 to 3 years, and suffer from side effects of the prophylactics, should consider how high the risk factor is and if the personal protection method by itself would be effective enough without prophylactics. In that case it is necessary to have a blood test done as soon as you feel feverish, to ensure that malária treatment is started straight away if necessary. The faster the treatment is started after contracting malária, the quicker the recovery will be.



Symptoms of malaria may include a generalized body ache, tiredness, headache, sore throat, diarrhoea, and fever. It is worth emphasising that these symptoms may not be dramatic and can easily be mistaken for an attack of influenza or similar non-life

threatening illness. Deterioration can then be sudden and dramatic with a rapid increase in the number of parasites in the victm’s blood stream. A high fever may develop, with marked shivering and dramatic perspiration. Complications of a serious nature, such as involvement of the kidneys or brain (cerebral malaria) may then follow. Cerebral malária is extremely serious with the victim becoming delirious and entering a coma. Cerebral malária is frequently fatal if not treated urgently.



Mainly diseases of the under-privileged, denied clean water and proper sewerage, residents of squatter camps, or people living in rural areas.



Cholera occurs with the ingestion of contaminated food and water. Avoid eating salads in the cheaper restaurants when not sure about the hygiene.

Consume good food and clean water in Maputo and while traveling to rural areas. Avoid eating fruit and vegetables straight from the market stalls. Wsh them first. Cholera is not transmitted from person to person.

Rivers, lakes and dams in affected areas, should be regarded as potentially contaminated by bacteria. They pose no risk unless direct contact is made with the water. It is advisable only to swim in chlorinated swimming pool  water or clear searwater. Be careful with uncooked seafood like oysters and sushi. Buy Mineral water of  boil municipal water for drinking.

An oral vaccine aginst cholera is available, but is only recommended for people at high risk.



If you go to the national parks in Swaziland or South Africa, cover yourself and watch out for tics. There have been several cases of headaches, fever and local infections due to tic bites. These tics transfer several bacteria into your body and must be treated with antibiotics to avoid unpleasant symptoms from Richettiosis and Borrelosis.[/vc_column_text][vc_empty_space height=”3px”][/eltdf_tabs_item][/eltdf_tabs][/vc_column][/vc_row]