MTN MoMo Fees in Côte d'Ivoire
🇨🇮 XOF (FCFA) · Including all taxes
MTN MoMo is one of the leading mobile money services in Côte d'Ivoire, serving millions of users. Send fees are 1%, capped at FCFA4,500 per transaction. Use the fee tables below to see all charges including government taxes.
See MTN MoMo in every country →How much does MTN MoMo charge in Côte d'Ivoire in 2026?
On MTN MoMo in Côte d'Ivoire, receiving is free. Sending money costs 1%, capped at FCFA4,500. Cashing out costs 1%, capped at FCFA4,500. No state tax stacks on top. Tariffs verified against the operator source (June 2026).
MTN caps its fee at 4,500 F (1%). That cap bites from 450,000 F up: above it, MTN — like Orange, on an identical schedule — costs less than an uncapped-1% operator (Moov), whose fee keeps climbing (5,000 F at 500,000 F; 10,000 F at 1,000,000 F). Against Wave, which is free to withdraw, MTN stays pricier to cash out; MTN stands out mainly on large sends, where the cap limits the cost.
Computed from our CI schedules. MTN's detailed schedule (bands, withdrawal promos) is to be reconfirmed on mtn.ci.
MTN MoMo Send Money Fee Tiers in Côte d'Ivoire
| Range | Fee |
|---|---|
| FCFA1+ | 1% 1% standard (0% promo via app) |
MTN MoMo Withdrawal (Cash-Out) Fee Tiers in Côte d'Ivoire
| Range | Fee |
|---|---|
| FCFA1+ | 1% 1% capped FCFA 4,500 |
Côte d'Ivoire Mobile Money Levies & Taxes
Operator Mobile Money Tax
Levy abolishedCôte d'Ivoire taxes mobile money at the operator level — 7.2% on operators' mobile money commission revenue (Annexe fiscale 2019), paid by the operators, not charged separately to the user. Customers pay only the provider's own fee (about 1% on a withdrawal); there is no distinct per-transaction government tax line. An earlier 0.5% transfer tax floated in 2018 was withdrawn and never took effect.
mobile money to Bank & Bank to mobile money: Transfer Fees
How much does a mobile money to bank transfer cost in Côte d'Ivoire?
Wave and Orange Money both link to Ivorian banks for wallet-to-bank transfers (Wave runs an Afriland partnership). The fee depends on the operator and bank and is shown before you confirm — verify in the app.
Wave and Orange Money both link to Ivorian banks for wallet-to-bank transfers (Wave runs an Afriland partnership). The fee depends on the operator and bank and is shown before you confirm — verify in the app.
Loading a wallet from a bank account is available via the bank's app or the operator; the exact bank-to-wallet fee is set per bank and is not published as a single flat tier — confirm with your bank.
Côte d'Ivoire has NO user-facing mobile-money tax: the 7.2% levy is on operators' revenue, not charged to you per transaction. You pay only the operator/bank fee.
Worked example: Wave's national send is free wallet-to-wallet, but a Wave-to-bank transfer follows Wave's 1% send rate; Orange Money's national send is free, with the wallet→bank fee shown in-app. Confirm before sending.
Source: Wave (wave.com, Afriland partnership); Orange Money CI (orange.ci/tarifs). Exact per-bank wallet↔bank tiers not published — confirm in-app. Verified 26 June 2026.
How to Send Money with MTN MoMo in Côte d'Ivoire
- Dial *133# — Open your phone's dialer and enter *133# on the MTN MoMo 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 MTN MoMo PIN to authorise; you get an SMS confirmation.
About MTN MoMo in Côte d'Ivoire
Côte d'Ivoire has West Africa's most crowded wallet market — Wave, Orange Money, MTN MoMo and Moov Money. Four-way competition, sharpened by Wave's arrival, has compressed wallet-send fees more than elsewhere in the CFA zone.
On pricing, here is how MTN MoMo structures its fees. Sending is priced by band : 1% above FCFA1 (cap FCFA4,500). Cash-out is priced by band : 1% above FCFA1 (cap FCFA4,500). 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 Côte d'Ivoire: you pay only the operator's fee.
How to use it. You manage MTN MoMo 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 MTN MoMo with the other operators in Côte d'Ivoire for your exact amount, use the calculator at the top of this page or open the Côte d'Ivoire page. Tariffs rendered from our database, verified in 2026.
MTN MoMo vs Other Providers in Côte d'Ivoire: Fee Comparison
Frequently Asked Questions
How much does MTN MoMo charge to send money in Côte d'Ivoire?
MTN MoMo charges 1%, capped at FCFA4,500 per transfer in Côte d'Ivoire.
What are the MTN MoMo withdrawal fees in Côte d'Ivoire?
MTN MoMo withdrawal fees in Côte d'Ivoire are 1% per transaction, capped at FCFA4,500.
Is there a government levy on MTN MoMo transactions in Côte d'Ivoire?
No. There is currently no government levy on mobile money transactions in Côte d'Ivoire.
What is the MTN MoMo USSD code in Côte d'Ivoire?
Use the MTN MoMo mobile app or visit an authorized agent in Côte d'Ivoire.
Is MTN MoMo the cheapest mobile money provider in Côte d'Ivoire?
It depends on the amount. Use the MomoCalc calculator on the Côte d'Ivoire page to compare all providers for your specific amount.
How much does a mobile money to bank transfer cost in Côte d'Ivoire?
Wave and Orange Money both link to Ivorian banks for wallet-to-bank transfers (Wave runs an Afriland partnership). The fee depends on the operator and bank and is shown before you confirm — verify in the app.
What is the bank to mobile money fee in Côte d'Ivoire?
Loading a wallet from a bank account is available via the bank's app or the operator; the exact bank-to-wallet fee is set per bank and is not published as a single flat tier — confirm with your bank.
Does any tax apply to mobile money to bank transfers in Côte d'Ivoire?
Côte d'Ivoire has NO user-facing mobile-money tax: the 7.2% levy is on operators' revenue, not charged to you per transaction. You pay only the operator/bank fee.