Mobile Money Withdrawal Fee Comparator
What it costs to withdraw cash from M-Pesa or Mixx by Yas (Tigo Pesa) for any amount, including the government levy. Official tariffs.
How to find the cheapest withdrawal
What it really costs to cash out
M-Pesa and Mixx by Yas (formerly Tigo Pesa) publish their withdrawal fees as fixed amounts per band, and every cash-out also carries a government levy of TZS 10 to TZS 2,000. The two networks charge the same total for almost every amount, so for most people the choice of network matters far less than how often you withdraw.
| Withdrawal (TZS) | M-Pesa total | Mixx by Yas total | Cost as % of amount |
|---|---|---|---|
| 5,000 | 1,004 | 1,004 | 20.1% |
| 10,000 | 1,552 | 1,552 | 15.5% |
| 20,000 | 2,156 | 2,156 | 10.8% |
| 50,000 | 3,273 | 3,273 | 6.5% |
| 100,000 | 4,357 | 4,357 | 4.4% |
| 200,000 | 6,121 | 6,121 | 3.1% |
| 500,000 | 8,745 | 8,745 | 1.7% |
| 1,000,000 | 9,776 | 9,776 | 1.0% |
Withdraw less often, in bigger amounts
Because the fee is fixed per band, small withdrawals are expensive in percentage terms. Taking out TZS 10,000 costs TZS 1,552 (15.5% of the cash); taking out TZS 100,000 once costs TZS 4,357 (4.4%). Ten small withdrawals of TZS 10,000 would cost TZS 15,520 for the same money.
Better: skip cash-out entirely
- Pay merchants directly with Lipa kwa M-Pesa or Lipa kwa Mixx — you avoid both the withdrawal fee and the government levy.
- Pay bills from your wallet — LUKU, water and council bills can be paid by phone without cashing out first.
For business owners
If you pay staff or agents by mobile money, bulk disbursement through the operator's business portal uses separate commercial tariffs. Tawala's payroll module handles batch payouts from the payroll run.
Airtel Money's official tariff table is not currently published on airtel.co.tz, so it is not compared here; check the fee in the My Airtel app before you confirm. See also: Mobile Money Fees for sending costs, and the Bank Charges Comparator.
Sources: Vodacom Tanzania, M-Pesa Transaction Fees starting 1st July 2025; Yas Tanzania, Tariffs for sending and withdrawing money. Checked 27 September 2026.
Take this further
Cash-out charges add up fastest for businesses collecting many small payments. Tawala Finance reports mobile-money cost as a percentage of takings so you can see when it is worth moving to a merchant account.
Not sure which module fits? Compare every option under Tawala solutions, or find the setup for your sector under Tawala by industry.
Frequently asked questions
Which network is cheapest to withdraw with?
How much does it cost to withdraw TZS 100,000?
How can I pay less in withdrawal fees?
Do agents charge extra?
Is the government levy the same on every network?
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