MMomoCalc

Know exactly what mobile money costs

Real fees, live rates, and what your recipient actually pays to cash out — across every African network. No guesswork.

Verified fees · 25 countriesLive exchange ratesNeutral — we don't sell transfers
How to use the calculator
1Pick your country. We detect it automatically — change it any time from the dropdown.
2Choose the provider. The wallets in that country load instantly (MTN, M-Pesa, Orange, Wave…).
3Set the transaction & amount. Send, cash-out or transfer — we apply the exact verified fee bands.
4See the real cost. Fee, effective rate and what your recipient receives — instantly.
Mobile money fee calculator
Pick your country & provider — set automatically to where you are
Enter an amount to see the exact fee.
Live exchange rates

Today's real exchange rates

Mid-market interbank rates, updated daily — the starting point before any fees.

Currency converter
Real mid-market rate, updated daily
1,166.00
1 USD = 11.66 GHS · real mid-market rate
Popular African routes · tap any to convert →
🇺🇸 USD🇬🇭 GHS11.66 0.17%🇬🇧 GBP🇳🇬 NGN1,816.02 0.15%🇺🇸 USD🇰🇪 KES129.49 0.05%🇪🇺 EUR🇸🇳 XOF655.96 0.00%🇨🇦 CAD🇳🇬 NGN991.12 1.62%🇨🇳 CNY🇳🇬 NGN201.35 0.14%🇦🇪 AED🇰🇪 KES35.26 0.06%🇸🇦 SAR🇰🇪 KES34.53 0.06%
All exchange rates →
Inter-Africa transfers

Send across Africa, route by route

Sending within Africa has cost up to 33%; the new PAPSS and PI-SPI rails settle in local currency, often free or in seconds.

Works across Africa

Mobile money fees, everywhere you send

🇨🇩Mobile money fees in DR Congo🇬🇭Mobile money fees in Ghana🇳🇬Mobile money fees in Nigeria🇰🇪Mobile money fees in Kenya🇹🇿Mobile money fees in Tanzania🇺🇬Mobile money fees in Uganda🇿🇲Mobile money fees in Zambia🇷🇼Mobile money fees in Rwanda🇪🇹Mobile money fees in Ethiopia🇸🇱Mobile money fees in Sierra Leone🇨🇲Mobile money fees in Cameroon🇸🇳Mobile money fees in Senegal🇨🇮Mobile money fees in Côte d'Ivoire🇲🇱Mobile money fees in Mali🇧🇫Mobile money fees in Burkina Faso🇲🇿Mobile money fees in Mozambique🇹🇬Mobile money fees in Togo🇧🇯Mobile money fees in Benin🇿🇦Mobile money fees in South Africa🇬🇳Mobile money fees in Guinea🇬🇦Mobile money fees in Gabon🇲🇬Mobile money fees in Madagascar🇳🇪Mobile money fees in Niger🇪🇬Mobile money fees in Egypt🇨🇬Mobile money fees in Congo-Brazzaville🇱🇷Mobile money fees in Liberia🇸🇴Mobile money fees in Somalia🇱🇸Mobile money fees in Lesotho🇲🇼Mobile money fees in Malawi🇸🇿Mobile money fees in Eswatini🇬🇲Mobile money fees in The Gambia🇧🇼Mobile money fees in Botswana🇨🇫Mobile money fees in Central African Republic🇳🇦Mobile money fees in Namibia🇹🇩Mobile money fees in Chad🇿🇼Mobile money fees in Zimbabwe🇬🇼Mobile money fees in Guinea-Bissau🇧🇮Mobile money fees in Burundi🇰🇲Mobile money fees in Comoros🇩🇯Mobile money fees in Djibouti🇦🇴Mobile money fees in Angola
Crypto & stablecoin rates

Crypto rates across Africa

USDT and stablecoin P2P prices — the real premium people pay over the official rate, tracked across 15 markets.

Latest news

Latest money news

We track fee, rate and policy changes across Africa.

★ MomoCalc Research — Flagship report

The True Cost of Sending Money Within Africa

Cost data on 11 intra-African routes, decomposed into provider fee + FX margin + cash-out — benchmarked against the World Bank global average and the UN SDG 3% target.

Read the report →
★ Calculator + Report

What did your card purchase really cost?

The card network (Visa/Mastercard) charges your bank about 1.5%. African issuing banks routinely charge 6%-12%. Type 3 numbers off your statement — the calculator shows your bank's hidden margin.

Open the calculator →