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Mobile Money Fee Calculator

Exact M-Pesa and Mixx by Yas (Tigo Pesa) fees for sending and withdrawing money in Tanzania, from the networks' official 2025/26 tariff tables, including the government levy on withdrawals.

How mobile-money fees work in Tanzania

Each network charges a fixed fee per band of transaction amount, not a percentage. Sending to someone on the same network is cheapest; sending to another network costs more; withdrawing cash at an agent costs the most. For example, sending TZS 50,000 on M-Pesa costs TZS 720, while withdrawing the same amount costs TZS 3,273.

Withdrawals also carry a government levy of TZS 10 to TZS 2,000 depending on the amount. It is the same on M-Pesa and Mixx by Yas, and it is included in the withdrawal figures above. M-Pesa and Mixx by Yas charge identical fees for most bands, and their send-to-bank fees are the same (TZS 10 to TZS 5,000). The differences are in a few low bands: sending to another network between TZS 1,000 and 4,999, withdrawing TZS 1,000 to 1,999 (TZS 310 on Mixx, 360 on M-Pesa) and sending TZS 10,000 to 14,999 on the same network (TZS 360 on Mixx, 350 on M-Pesa). Mixx does not offer agent withdrawals below TZS 1,000.

Merchant payments (Lipa kwa M-Pesa, Lipa kwa Mixx) and business payouts use separate commercial tariffs agreed with each network, so they are not covered here.

Read our complete mobile-money integration guide →

Sources: Vodacom Tanzania, M-Pesa Transaction Fees starting 1st July 2025; Yas Tanzania, Mixx by Yas Customer Tariffs (from 1 July 2025) and Wallet to Bank Tariffs, mixx.co.tz/mixx-by-yas-tariffs. Checked 24 October 2026. Networks change tariffs; confirm the fee shown in your app before you send.

Makato ya Tigo Pesa (Mixx by Yas) na M-Pesa 2026

Makato ni ada unayolipa unapotuma au unapotoa pesa kwa simu. Kila mtandao una jedwali la makato kwa ngazi za kiasi, si asilimia. Kutuma ndani ya mtandao mmoja ni nafuu zaidi, na kutoa pesa kwa wakala ni ghali zaidi. Makato ya kutoa pesa yanajumuisha tozo la serikali la TZS 10 hadi TZS 2,000.

Kiasi	M-Pesa: kutuma / kutoa	Mixx by Yas: kutuma / kutoa
TZS 10,000	350 / 1,552	360 / 1,552
TZS 50,000	720 / 3,273	720 / 3,273
TZS 100,000	1,000 / 4,357	1,000 / 4,357
TZS 500,000	2,200 / 8,745	2,200 / 8,745

Kutuma = kutuma ndani ya mtandao huo huo. Kutoa = kutoa pesa kwa wakala, pamoja na tozo la serikali. Chanzo: majedwali rasmi ya Vodacom (kuanzia 1 Julai 2025) na Yas. Makato ya Airtel Money hayajachapishwa kwenye tovuti ya Airtel kwa sasa — angalia kwenye programu ya My Airtel. Weka kiasi kwenye kikokotoo hapo juu kuona makato kamili.

Operations · Updated 2026-10-24

Tanzania's three major mobile money operators — M-Pesa (Vodacom), Mixx by Yas (formerly Tigo Pesa) and Airtel Money — each publish their own fee tables for sending, withdrawing and bill payments. Fees are tiered, change periodically, and differ for on-network vs. off-network transactions. The Tawala Mobile Money Fees calculator uses the official M-Pesa and Mixx by Yas tariff tables so you know the cost before you transact. Airtel does not currently publish its table online.

What this tool shows

Send-money fees within the same network (e.g. M-Pesa to M-Pesa).
Send-money fees across networks (e.g. M-Pesa to Airtel Money).
Cash-withdrawal (cash-out) charges at agents.
Send-to-bank fees.
The government levy on withdrawals, shown separately.

Why mobile money fees matter for businesses

If your business accepts mobile money — whether as a retail till, a service provider, or for B2B settlements — fees can quietly eat 1–3% of revenue. A few practical implications:

Lipa kwa Simu (Lipa Namba) merchant accounts are worth registering if you receive customer payments regularly. Vodacom does not publish a merchant fee table online, so ask Vodacom in writing what you will pay per payment received and to move money to your bank.
Bulk payments (payroll, supplier settlement) qualify for negotiated fee rates with the operator's enterprise team.
Off-network fees are higher than on-network — encourage customers on the same network as you, or absorb the difference deliberately.
The Government Levy — TZS 10 to TZS 2,000 — applies to cash withdrawals; it appears in the receipt but is set by law, not the operator.

How to reduce mobile money fees

Pay for goods with merchant payments (Lipa Namba) or pay bills directly instead of withdrawing cash, which avoids the withdrawal fee and levy.
For business volumes above ~TZS 50M/month, request enterprise pricing from your operator's account manager.
Consolidate small transactions where possible — fees are tiered and the per-shilling cost is lower at higher transaction sizes.
For large business payments, compare with a bank transfer: sending more than TZS 500,000 from M-Pesa or Mixx to a bank costs TZS 5,000, less than an agent withdrawal of the same amount.

Frequently asked questions

Do mobile money fees include the Government Levy?

Yes for withdrawals. The government levy (TZS 10 to TZS 2,000) is charged on cash withdrawals and is included in the withdrawal total, with the operator's fee and the levy shown separately.

Are fees the same on M-Pesa, Tigo Pesa and Airtel Money?

No — each operator publishes its own tariff. They are usually similar but not identical, and on-network rates are always lower than off-network ones.

Why do some transactions show 'Free'?

On the official M-Pesa and Mixx by Yas tables the receiver pays nothing for a transfer; the fee is charged to the sender. Mixx shows no agent withdrawal below TZS 1,000. Airtel does not publish its table online, so check the fee in the My Airtel app.

Can businesses get discounted rates?

Possibly, but the networks do not publish merchant or business tariffs online, so we cannot quote them. Vodacom says a customer paying a Lipa Namba pays its normal charges. Ask your operator's business team for its merchant and bulk-payment fees in writing.

Are these fees TRA-reportable?

Yes — mobile money charges are part of your business operating expenses and are deductible against income tax, provided you keep the receipts/statements as proof.

How often do these tariffs change?

Operators update tariffs roughly once a year, sometimes mid-year if the Government Levy changes. We refresh this tool whenever a new schedule is published.

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Mobile-money charges are a real cost of sale, not a bank detail. Tawala POS records the fee against the transaction and Tawala Accounting carries it into your margin reporting rather than leaving it in a suspense account.

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