Mobile Money Fees in The Gambia
Wave, Afrimoney, QMoney - including all government levies. Updated June 2026.
How much does it cost to send money via mobile money in The Gambia?
In The Gambia, mobile money fees vary by operator (Wave, Afrimoney, QMoney) and amount band. Use the calculator below for the exact cost in GMD, including government levies. Typical fees range from flat unit amounts to a percentage of the transfer; withdrawals usually add a separate charge.
Compare Wave, Afrimoney, QMoney fees in The Gambia
| Provider | Send | Withdraw | Levy | Total |
|---|---|---|---|---|
WAVWave | D1.00 | Free | None | D1.00 |
AFRAfrimoneyCheapest | Free | Check with provider | None | Free |
QMNQMoney | Check with provider | Check with provider | None | — |
The Gambia operators in detail
Afrimoney (Africell)
The Gambia · GMD
Send money fees
| Free tier | Free |
Withdrawal fees
| Check with provider - tariff not published |
QMoney
The Gambia · GMD
Send money fees
| Check with provider - tariff not published |
Withdrawal fees
| Check with provider - tariff not published |
GMD exchange rates
Livevs GMD (Gambian Dalasi)
Tax framework
No mobile money levy
Fee data last verified June 2026. Always confirm with your provider before large transactions.
How much does mobile money cost in The Gambia?
The Gambia has Wave (1% to send, free cash-out, app-first), Afrimoney (Africell, free P2P, *161#) and QMoney. The Central Bank of The Gambia (cbg.gm) publishes mobile-money fee guidance — a rare regulatory primary source. The currency is the dalasi (GMD). Wave ties into the neighbouring Senegal/WAEMU ecosystem.
What are the withdrawal fees in The Gambia?
To withdraw 10,000 GMD in The Gambia, expect roughly: Wave free. In The Gambia, the Central Bank (cbg.gm) oversees mobile-money fees; no separate state tax is confirmed — verify. 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.
Mobile money to bank & bank to mobile money in The Gambia
How much does a mobile money to bank transfer cost in The Gambia?
Afrimoney (Africell) supports bank transfers via *777#; Wave is wallet-to-wallet and app-first. Exact bank-transfer fees show in-app — confirm before sending.
Afrimoney (Africell) supports bank transfers via *777#; Wave is wallet-to-wallet and app-first. Exact bank-transfer fees show in-app — confirm before sending.
Loading a wallet from a bank account is offered by partner banks; no flat fee is published — confirm with your bank.
The Central Bank of The Gambia (cbg.gm) publishes mobile-money fee guidance — a rare regulatory primary source. Wave's model is 1% to send and free cash-out; Afrimoney offers free P2P. The dalasi (GMD) floats.
Worked example: Sending GMD 1,000 on Wave costs about 1% (GMD 10) and cash-out is free; on Afrimoney P2P is free. Bank transfers via Afrimoney *777# show the fee in-app.
Source: wave.com, africell.gm, Central Bank of The Gambia (cbg.gm).
USSD codes: send and withdraw in The Gambia
- Wave (app) — Wave is app-first: use the Wave app (send, withdraw via agent QR).
- Afrimoney (Africell) — Dial *161# for the Afrimoney (Africell) menu (transfer, withdrawal, balance), then confirm with your PIN.