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Mobile Money Fees in Liberia

MTN, Orangeincluding all government levies. Updated April 2026.

How much does it cost to send money via mobile money in Liberia?

In Liberia, receiving money from the diaspora straight into a mobile wallet is the cheapest channel, and cashing it out costs a standard 2% cash-out fee set by the Central Bank of Liberia (CBL), identical at Lonestar Cell MTN and Orange Money. Cross-network transfers via the "Pay Na-Na" platform (launched January 2026) cost up to 1% for amounts up to $2,000, then a flat $25 above that. Fees are in US dollars (Liberia uses both USD and LRD); use the calculator below for the exact cost.

2 providersUSDNo levy
$USD

Compare Providers

ProviderSendWithdrawLevyTotal
MTNMTNCheapest
$1.00$2.00None$1.00
ORGOrangeCheapest
$1.00$2.00None$1.00
Fees shown for $100 USD. Use the calculator above for your exact amount.

Provider Details

MTN

Lonestar Cell MTN MoMo

Liberia · USD

Send money fees

$1-$2,0001%
$2,000.01+$25

Withdrawal fees

$0.01+2%
ORG

Orange Money

Liberia · USD

Send money fees

$1-$2,0001%
$2,000.01+$25

Withdrawal fees

$0.01+2%

Government Levies & Taxes

No Government Levy

Fee data last verified April 2026. Always confirm with your provider before large transactions.

Receiving money from the diaspora into your Liberian mobile wallet

Diaspora remittances are equal to roughly 11% of Liberia's GDP, and the USA-to-Liberia corridor is one of the largest, powered by the big Liberian-American diaspora. Increasingly those funds land directly in a Lonestar Cell MTN or Orange Money wallet rather than through a traditional money-transfer storefront. Mobile money is the cheapest channel to receive on: costs average around 4.4%, well below the global cross-border average.

Both operators receive international transfers, and because Liberia is dual-currency, funds can be held in US dollars in the wallet. The only cost to the recipient is the 2% cash-out when converting to physical cash: receiving and keeping the money in the wallet, or paying a merchant directly, avoids that withdrawal fee.

Sending money to Liberia from Ghana, Nigeria & West Africa

Liberia is a member of ECOWAS and WAMZ and is connected to PAPSS (the Pan-African Payment and Settlement System). That lets you send from a Ghanaian or Nigerian bank to Liberia in local currency, without routing through a US-dollar correspondent bank: the payment settles on African rails. For context, the cedi is worth about 15.5 LRD and the US dollar about 182 LRD (June 2026).

Frequently Asked Questions

How much are mobile money fees in Liberia in 2026?
Cash-out (withdrawal) costs a standard 2% fee set by the Central Bank of Liberia (CBL), identical at Lonestar Cell MTN and Orange Money. Cross-network transfers via Pay Na-Na cost up to 1% for amounts up to $2,000, then a flat $25 above that. Fees are quoted in US dollars.
What is the cash-out fee for MTN and Orange Money in Liberia?
A uniform 2% cash-out fee applies on both networks, mandated by the CBL (effective August 2025, reaffirmed under the January 2026 Pay Na-Na framework). So withdrawing $100 costs $2, and withdrawing $500 costs $10.
What is Pay Na-Na and how much does a cross-network transfer cost?
Pay Na-Na is the MTN–Orange interoperability platform launched in January 2026 that lets you send between the two networks. A cross-network transfer costs up to 1% of the amount up to $2,000, then a flat fee of about $25 above $2,000.
How do I receive money from abroad into my Liberian mobile wallet?
Both Lonestar Cell MTN and Orange Money receive international transfers straight to the wallet, often from the US-based diaspora. Because Liberia is dual-currency, funds can be held in US dollars; the only cost is the 2% cash-out if you convert to physical cash.
How do I send money to Liberia from Ghana or Nigeria?
Liberia is connected to PAPSS, so you can send from a Ghanaian or Nigerian bank in local currency without going through a US-dollar correspondent. For context, 1 cedi is about 15.5 LRD and 1 US dollar is about 182 LRD.
Is same-network transfer cheaper in Liberia?
Same-network rates (MTN to MTN, Orange to Orange) are not uniformly published; confirm with your operator. The 2% cash-out fee and the cross-network Pay Na-Na schedule, however, are CBL-set and uniform.