🌍 East African Community
East Africa Mobile Money Transfers
Compare mobile money transfer fees across 5 EAC countries - M-Pesa Global, MTN MoMo and Airtel Money at domestic rates.
🇰🇪Kenya· KES
🇹🇿Tanzania· TZS
🇺🇬Uganda· UGX
🇷🇼Rwanda· RWF
🇿🇲Zambia· ZMW
Domestic rates, no cross-border markup
EAC routes use domestic send rates - significantly cheaper than bank wire transfers averaging 8-15% (World Bank data).
Live exchange rates
1 KES
28.6100 UGX
1 KES
20.3400 TZS
1 KES
11.3800 RWF
Updated: 19 Jul 2026, 00:00 UTC
All 13 EAC routes
🇰🇪Kenya→🇺🇬Uganda
M-Pesa Global (Safaricom) → MTN MoMo Uganda
Domestic rates
🇰🇪Kenya→🇹🇿Tanzania
M-Pesa Global (Safaricom) → M-Pesa Tanzania (Vodacom)
Domestic rates
🇰🇪Kenya→🇷🇼Rwanda
M-Pesa Global (Safaricom) → MTN MoMo Rwanda
Domestic rates
🇰🇪Kenya→🇿🇲Zambia
M-Pesa Global (Safaricom) → MTN MoMo Zambia / Airtel Money
Domestic rates
🇹🇿Tanzania→🇰🇪Kenya
M-Pesa Tanzania (Vodacom) → M-Pesa Kenya (Safaricom)
Domestic rates
🇹🇿Tanzania→🇺🇬Uganda
M-Pesa Tanzania (Vodacom) → MTN MoMo Uganda
Domestic rates
🇹🇿Tanzania→🇷🇼Rwanda
M-Pesa Tanzania (Vodacom) → MTN MoMo Rwanda
Domestic rates
🇺🇬Uganda→🇰🇪Kenya
MTN MoMo Uganda → M-Pesa Kenya (Safaricom)
Domestic rates
🇺🇬Uganda→🇹🇿Tanzania
MTN MoMo Uganda → M-Pesa Tanzania (Vodacom)
Domestic rates
🇺🇬Uganda→🇷🇼Rwanda
MTN MoMo Uganda → MTN MoMo Rwanda
Domestic rates
🇷🇼Rwanda→🇰🇪Kenya
MTN MoMo Rwanda → M-Pesa Kenya (Safaricom)
Domestic rates
🇷🇼Rwanda→🇺🇬Uganda
MTN MoMo Rwanda → MTN MoMo Uganda
Domestic rates
🇷🇼Rwanda→🇹🇿Tanzania
MTN MoMo Rwanda → M-Pesa Tanzania (Vodacom)
Domestic rates
Key fact
M-Pesa Global max: KES 70,000 per cross-border transaction.
Frequently Asked Questions
How much do EAC mobile money transfers cost?+
EAC routes use domestic send rates - significantly cheaper than cross-border bank wires (averaging 8-15% per World Bank data). M-Pesa Global caps at KES 70,000 per transaction.
Which operators dominate the EAC?+
M-Pesa (Safaricom in Kenya, Vodacom in Tanzania) and MTN MoMo (Uganda, Rwanda, Zambia). M-Pesa Global links Kenya to every other EAC market.
Does the recipient pay any fees to receive?+
No. Receiving on a mobile wallet is free on every EAC route listed. The sender pays the fee.
Are the displayed exchange rates real time?+
Rates are refreshed daily at 01:00 UTC via the public ExchangeRate API. Final operator-applied rates may vary slightly.
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★ MomoCalc Research
The True Cost of Sending Money Within Africa — EAC routes on M-Pesa Global / MTN Cross-Border, decomposed and benchmarked.
Read the full report →