M-Pesa (Vodacom) Fees in DR Congo
🇨🇩 CDF (FC) · Including all taxes
M-Pesa (Vodacom) is one of the leading mobile money services in DR Congo, serving millions of users. Sending carries no operator fee up to FC1,000, then banded fees apply above. Use the fee tables below to see all charges including government taxes.
How much does M-Pesa (Vodacom) charge in DR Congo in 2026?
On M-Pesa (Vodacom) in DR Congo, receiving is free. Sending money is free up to FC1,000, then FC1,001–FC10,000 costs 2%. Cashing out costs 9% up to FC30,000. No state tax stacks on top. Tariffs verified against the operator source (June 2026).
M-Pesa (Vodacom) Send Money Fee Tiers in DR Congo
| Range | Fee |
|---|---|
| Free | Free Free for very small P2P |
| FC1,001 - FC10,000 | 2% ~2% (indicative, varies by amount) |
| FC10,001 - FC100,000 | 1.5% ~1.5% (indicative) |
| FC100,001+ | 1% ~1% on larger transfers (indicative) |
M-Pesa (Vodacom) Withdrawal (Cash-Out) Fee Tiers in DR Congo
| Range | Fee |
|---|---|
| FC0 - FC30,000 | 9% Indicative — operator grid not machine-readable, verify on *150# |
| FC30,001 - FC100,000 | 5% Indicative — operator grid not machine-readable, verify on *150# |
| FC100,001 - FC500,000 | 3% Indicative — operator grid not machine-readable, verify on *150# |
| FC500,001+ | 1.5% Indicative — operator grid not machine-readable, verify on *150# |
mobile money to Bank & Bank to mobile money: Transfer Fees
How much does a mobile money to bank transfer cost in DR Congo?
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.
Worked example: To move dollars between CDF and USD, Orange Money converts in-app free via *144#. For a wallet-to-bank transfer, the fee is shown in the app at confirmation — it is not published as a flat tier, so verify before sending.
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.
How to Send Money with M-Pesa (Vodacom) in DR Congo
- Dial *150# — Open your phone's dialer and enter *150# on the M-Pesa (Vodacom) SIM.
- Choose Send Money — Select Transfer / Send Money from the menu.
- Enter the recipient number — Type the recipient's mobile number, then confirm the name shown.
- Enter the amount — Enter the amount to send; any fee is displayed before you confirm.
- Confirm with your PIN — Enter your M-Pesa (Vodacom) PIN to authorise; you get an SMS confirmation.
About M-Pesa (Vodacom) in DR Congo
The DRC runs on M-Pesa (Vodacom), Airtel Money, Orange Money and Afrimoney, in a country-continent where mobile money reaches areas banks do not. The DRC is de facto dual-currency (Congolese franc and US dollar): many wallets and tariffs are denominated in USD, and the transfer currency matters as much as the operator.
On pricing, here is how M-Pesa (Vodacom) structures its fees. Sending is priced by band : free up to FC1,000; 2% FC1,001–FC10,000; 1.5% FC10,001–FC100,000; 1% above FC100,001. Cash-out is priced by band : 9% up to FC30,000; 5% FC30,001–FC100,000; 3% FC100,001–FC500,000; 1.5% above FC500,001. Receiving money is free; the cost sits at sending and at cashing out to physical cash.
Government levy. There is currently no specific state mobile-money tax in DR Congo: you pay only the operator's fee.
How to use it. You manage M-Pesa (Vodacom) via the mobile app, the operator's USSD menu (no internet needed), or an authorised agent to deposit and withdraw cash. Fees are identical on every channel — the schedule above applies with no per-channel surcharge, and an agent should never charge cash on top of the fee deducted from your balance.
To compare M-Pesa (Vodacom) with the other operators in DR Congo for your exact amount, use the calculator at the top of this page or open the DR Congo page. Tariffs rendered from our database, verified in 2026.
M-Pesa (Vodacom) vs Other Providers in DR Congo: Fee Comparison
Frequently Asked Questions
How much does M-Pesa (Vodacom) charge to send money in DR Congo?
M-Pesa (Vodacom) carries no operator fee up to FC1,000 in DR Congo, then banded fees apply above.
What are the M-Pesa (Vodacom) withdrawal fees in DR Congo?
M-Pesa (Vodacom) withdrawal fees in DR Congo are 9% per transaction.
Is there a government levy on M-Pesa (Vodacom) transactions in DR Congo?
No. There is currently no government levy on mobile money transactions in DR Congo.
What is the M-Pesa (Vodacom) USSD code in DR Congo?
Use the M-Pesa (Vodacom) mobile app or visit an authorized agent in DR Congo.
Is M-Pesa (Vodacom) the cheapest mobile money provider in DR Congo?
It depends on the amount. Use the MomoCalc calculator on the DR Congo page to compare all providers for your specific amount.
How much does a mobile money to bank transfer cost in DR Congo?
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.
What is the bank to mobile money fee in DR Congo?
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.
Does any tax apply to mobile money to bank transfers in DR Congo?
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.