DR Congo Mobile Money Fees
M-Pesa, Airtel, Orange, Afrimoney - including all government levies. Updated July 2026.
How much does it cost to send money via mobile money in DR Congo?
Sending mobile money in DR Congo costs roughly 1–2% on larger transfers and up to ~9% on small withdrawals. M-Pesa (Vodacom) leads the market (~51% of subscriptions), with Airtel Money, Orange Money and Afrimoney competing - and fees are heavily tiered by amount. The calculator below shows the exact cost in CDF (wallets also operate in USD, with typical per-transaction caps around US$1,000–1,500).
Compare M-Pesa, Airtel, Orange fees in DR Congo
| Provider | Send | Withdraw | Levy | Total |
|---|---|---|---|---|
MPSM-PesaCheapest | Free | FC9.00 | None | Free |
AIRAirtel | FC1.00 | FC9.00 | None | FC1.00 |
ORGOrange | FC1.00 | FC9.00 | None | FC1.00 |
AFRAfrimoney | FC1.00 | FC9.00 | None | FC1.00 |
Which mobile money providers work in DR Congo?
M-Pesa (Vodacom)
DR Congo · CDF
Send money fees
| Free tier | Free |
| FC1,001-FC10,000 | 2% |
| FC10,001-FC100,000 | 1.5% |
| FC100,001+ | 1% |
Withdrawal fees
| FC0-FC30,000 | 9% |
| FC30,001-FC100,000 | 5% |
| FC100,001-FC500,000 | 3% |
| FC500,001+ | 1.5% |
Airtel Money
DR Congo · CDF
Send money fees
| FC0+ | 1% |
Withdrawal fees
| FC0-FC30,000 | 9% |
| FC30,001-FC100,000 | 6% |
| FC100,001-FC500,000 | 4% |
| FC500,001+ | 3.3% |
Orange Money
DR Congo · CDF
Send money fees
| FC0+ | 1% |
Withdrawal fees
| FC100-FC30,000 | 9% |
| FC30,001-FC60,000 | 6.2% |
| FC60,001-FC150,000 | 3.2% |
| FC150,001-FC1,200,000 | 2% |
Afrimoney
DR Congo · CDF
Send money fees
| FC0+ | 1% |
Withdrawal fees
| FC0-FC30,000 | 9% |
| FC30,001-FC100,000 | 5% |
| FC100,001-FC500,000 | 3% |
| FC500,001+ | 2% |
CDF exchange rates
Livevs CDF (Congolese Franc)
Tax framework
No mobile money levy
Fee data last verified July 2026. Always confirm with your provider before large transactions.
Should you keep your money in Congolese francs (CDF) or dollars (USD)?
DR Congo is dual-currency: the Congolese franc (CDF) and the US dollar (USD) circulate side by side, and M-Pesa, Airtel Money and Orange Money wallets all hold both. The economy is heavily dollarized (around 90% of bank deposits are in USD), so many people keep savings in dollars and only convert to CDF for small spending. Orange Money lets you convert CDF↔USD free in the app, 24/7, via #144# (Bureau de change) — the applied rate is shown at confirmation.
USD↔CDF rate: about 2,266 CDF per 1 USD (BCC, ~June 2026). The official-vs-parallel gap is small (~1-3%) because the country is heavily dollarized — no structural black market like Nigeria or Ethiopia. Live USD → CDF rate →
Why are withdrawal fees so high in DR Congo?
Withdrawal fees in DRC are steeply tiered and very high on small amounts. On Orange Money (published grid, orange.cd), cashing out up to 30,000 CDF costs 9%, up to 60,000 CDF 6.2%, up to 150,000 CDF 3.2%, then 2% and finally 1% on large withdrawals. On 50,000 CDF that is about 3,100 CDF in fees. M-Pesa and Airtel Money run comparable tiered grids, but their tariff pages aren't publicly machine-readable — verify on *150# (M-Pesa) and *501# (Airtel). Sending costs ~1%, and keeping money on the wallet (or paying a merchant directly) avoids any withdrawal fee.
Source: Orange Money DRC (orange.cd/tarifications), accessed 26 June 2026. M-Pesa (vodacom.cd) and Airtel (airtel.cd): tariff pages not machine-readable — grids indicative, verify with provider.
How do I transfer mobile money to a bank in DR Congo?
How much does a mobile money to bank transfer cost in DRC?
All three operators offer wallet-to-bank: Airtel's "Transfert vers la Banque", Orange's Zwa Cash (cardless ATM withdrawal at Equity Bank / Rawbank), and M-Pesa↔bank. But none publishes a machine-readable fee — the amount is shown in the app before you confirm. Verify with the operator.
All three operators offer wallet-to-bank: Airtel's "Transfert vers la Banque", Orange's Zwa Cash (cardless ATM withdrawal at Equity Bank / Rawbank), and M-Pesa↔bank. But none publishes a machine-readable fee — the amount is shown in the app before you confirm. Verify with the operator.
Loading a wallet from a bank account is available via the bank's app or the operator; no per-transaction fee is published — confirm with your bank.
DR Congo is dual-currency — Congolese franc (CDF) and US dollar (USD) both circulate, and the wallets hold both. Orange Money lets you convert CDF↔USD FREE in the app, 24/7, via *144# (Bureau de change); the applied rate is shown at confirmation. M-Pesa wallets have separate CDF and USD fee columns; in-app conversion on M-Pesa/Airtel is not confirmed — verify.
Source: Orange Money RDC (orange.cd: tarifications, Zwa Cash, Bureau de change), fetched 26 June 2026; Airtel "Transfert vers Banques" and M-Pesa↔bank exist but publish no readable fee — verify with provider.
USSD codes: send, withdraw and convert CDF↔USD
- M-Pesa (Vodacom) — Dial *150# for the M-Pesa menu (send, withdraw, balance). Wallets in both CDF and USD.
- Airtel Money — Dial *501# (or *123#) for the Airtel Money menu, then confirm with your PIN.
- Orange Money + CDF↔USD exchange — Dial #144# for Orange Money; its Bureau de change option converts CDF↔USD free, 24/7.
Convert, import and invoice in DR Congo
Sending money to DR Congo?
Compare the services that deliver to DR Congo - neutral verdict, no-affiliate, with the real recipient-side costs.
What's new in DR Congo 2026
Wave, the West African operator known for its 1% transfer model, is extending into DR Congo — one to watch as a potential new low-fee leader against the incumbents. For importers, DR Congo is a major market for Chinese goods — see our guides on shipping, customs and paying a supplier.