Benin Mobile Money Fees
MTN, Moov, Wave - including all government levies. Updated July 2026.
How much does it cost to send money via mobile money in Benin?
In Benin, mobile money fees vary by operator (MTN, Moov, Wave) and amount band. Use the calculator below for the exact cost in XOF, including government levies. Typical fees range from flat unit amounts to a percentage of the transfer; withdrawals usually add a separate charge.
Compare MTN, Moov, Wave fees in Benin
| Provider | Send | Withdraw | Levy | Total |
|---|---|---|---|---|
MTNMTNCheapest | FCFA50.00 | FCFA125.00 | None | FCFA50.00 |
MOMoovCheapest | FCFA50.00 | FCFA125.00 | None | FCFA50.00 |
WVWaveCheapest | FCFA50.00 | FCFA50.00 | None | FCFA50.00 |
Which mobile money providers work in Benin?
MTN MoMo
Benin · XOF
Send money fees
| Free tier | Free |
| FCFA1,000+ | FCFA50 |
Withdrawal fees
| FCFA1-FCFA500 | FCFA0 |
| FCFA501-FCFA5,000 | FCFA125 |
| FCFA5,001-FCFA10,000 | FCFA225 |
| FCFA10,001-FCFA20,000 | FCFA375 |
Moov Money
Benin · XOF
Send money fees
| FCFA1+ | FCFA50 |
Withdrawal fees
| FCFA1-FCFA500 | FCFA0 |
| FCFA501-FCFA5,000 | FCFA125 |
| FCFA5,001-FCFA10,000 | FCFA225 |
| FCFA10,001-FCFA20,000 | FCFA375 |
XOF exchange rates
Livevs XOF (Franc CFA)
Tax framework
No separate mobile money surcharge
Fees are BCEAO-regulated. A 5%-on-fees contribution exists in the tax code but stays embedded in operator pricing; the visible March 2022 surcharge was suspended.
Quick Links
Fee data last verified July 2026. Always confirm with your provider before large transactions.
🎉 PI-SPI (BCEAO): since 30 September 2025, a person-to-person send is instant and free from one connected institution to another — from one mobile-money network to another, or to a bank — across the 8 UEMOA countries, including Benin. The condition: both institutions must be connected, which is expanding week by week. How it works →
What are the withdrawal fees in Benin?
To withdraw 10,000 XOF in Benin, expect roughly: MTN FCFA225; Moov FCFA225; Wave FCFA100. Receiving is free; you pay only to send and to withdraw.
Fees computed from the operator schedules in our database (verified 2026). Confirm with your provider before a large transaction.
How do I transfer mobile money to a bank in Benin?
How much does a mobile money to bank transfer cost in Benin?
In Benin, wallet-to-bank goes through partner banks. MTN MoMo (via UBA's "Push and Pull", *880#) is tiered from 50 up to 2,000 FCFA. Moov Money (operator site, *855*1#) is tiered from 50 up to 1,750 FCFA for most banks — Ecobank and UBA use a higher structure, so check with the provider for those.
In Benin, wallet-to-bank goes through partner banks. MTN MoMo (via UBA's "Push and Pull", *880#) is tiered from 50 up to 2,000 FCFA. Moov Money (operator site, *855*1#) is tiered from 50 up to 1,750 FCFA for most banks — Ecobank and UBA use a higher structure, so check with the provider for those.
Bank-to-wallet: via UBA into MTN MoMo it is tiered from 50 up to 500 FCFA; on Moov Money it is 100 up to 500 FCFA for most banks (Ecobank and UBA are higher — check with provider).
Worked example: Sending 100,000 FCFA from MTN MoMo to a bank via UBA's Push and Pull falls in the tiered grid (up to about 2,000 FCFA on the largest band). Receiving from a bank into the wallet is cheaper — tiered up to about 500 FCFA.
Source: UBA Benin "Push and Pull" (ubabenin.com) for MTN MoMo; Moov Money Benin tariffs (moov-africa.bj). UBA is one partner bank — others may differ, check with provider. USSD MTN *880#, Moov *855*1#. Accessed 25 June 2026.
USSD codes: send and withdraw in Benin
- MTN MoMo — Dial *880# for the MTN MoMo menu (transfer, withdrawal, balance), then confirm with your PIN.
- Moov Money — Dial *855# for the Moov Money menu (transfer, withdrawal, balance), then confirm with your PIN.
- Wave (app) — Wave is app-first: use the Wave app (send, withdraw via agent QR).
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