TEM, short for Telia Express Money, is a FREE instant messaging, mobile payment, e-commerce, and money transfer app available on Android and other smartphones. With TEM, you can send messages, make calls, and transfer money to your loved ones, all for free.

One of the benefits of TEM is that it works with the internet connection of your phone, whether it's 4G/3G/2G/EDGE or Wi-Fi, making it accessible to everyone. You can send and receive multimedia messages, including photos, videos, documents, and voice messages. Additionally, you can make voice and video calls to your friends and family, even if they are abroad, using the internet connection of your phone instead of your mobile operator's call plan.

TEM also offers group discussions, allowing you to stay in touch with your friends and family with ease. With a permanent connection, you won't miss any messages, and you can transfer money to your loved ones at a lower cost, with or without a TEM account. Finally, TEM offers mobile payment options, allowing you to pay for services with your electronic wallet, available in some regions.

TEM also offers additional features such as contact exchange, wallpaper settings, personalized notification sounds, and more. Try TEM today and enjoy all its features for free!