Abstract: An interbank online payment system connecting consumers, consumer banks, merchants and merchant banks via a fixed and/or a mobile telecommunication network, wherein said payment system comprises an automated information system adapted to communicate with a plurality of national banks affiliated to said payment system, a plurality of fixed payment terminals, and a plurality of mobile payment terminals. Said automated information system comprises an aggregation module that manages a plurality of personal user accounts, said automated information system giving said consumers access to a plurality of services including payment, cash withdrawal and/or money transfer.