Airtel Money Fees in Madagascar
🇲🇬 MGA (Ar) · Including all taxes
Airtel Money is one of the leading mobile money services in Madagascar, serving millions of users. Send fees are Ar100 per transaction. Use the fee tables below to see all charges including government taxes.
See Airtel Money in every country →How much does Airtel Money charge in Madagascar in 2026?
On Airtel Money in Madagascar, receiving is free. Sending money costs Ar100 Ar100–Ar1,000, up to Ar3,000 on larger amounts. Cashing out is free Ar100–Ar1,000, then Ar1,001–Ar5,000 costs Ar200, up to Ar9,500 on larger amounts. No state tax stacks on top. Tariffs verified against the operator source (June 2026).
Airtel Money Send Money Fee Tiers in Madagascar
| Range | Fee |
|---|---|
| Ar100 - Ar1,000 | Ar100 Ar 100 |
| Ar1,001 - Ar5,000 | Ar100 Ar 100 |
| Ar5,001 - Ar25,000 | Ar300 Ar 300 |
| Ar25,001 - Ar100,000 | Ar700 Ar 700 |
| Ar100,001 - Ar500,000 | Ar1,600 Ar 1,600 |
| Ar500,001+ | Ar3,000 Ar 3,000 |
Airtel Money Withdrawal (Cash-Out) Fee Tiers in Madagascar
| Range | Fee |
|---|---|
| Ar100 - Ar1,000 | Ar0 Free |
| Ar1,001 - Ar5,000 | Ar200 Ar 200 |
| Ar5,001 - Ar10,000 | Ar350 Ar 350 |
| Ar10,001 - Ar25,000 | Ar700 Ar 700 |
| Ar25,001 - Ar100,000 | Ar2,000 Ar 2,000 |
| Ar100,001 - Ar500,000 | Ar5,000 Ar 5,000 |
| Ar500,001+ | Ar9,500 Ar 9,500 |
mobile money to Bank & Bank to mobile money: Transfer Fees
How much does a mobile money to bank transfer cost in Madagascar?
MVola (Telma) is the best-documented: wallet-to-bank is free to BNI and about 1% to other banks, plus any partner-bank fee (USSD #111#). Orange Money (#144#) and Airtel Money also offer wallet-to-bank, but their operator fees are not on a primary published source — check with the provider.
MVola (Telma) is the best-documented: wallet-to-bank is free to BNI and about 1% to other banks, plus any partner-bank fee (USSD #111#). Orange Money (#144#) and Airtel Money also offer wallet-to-bank, but their operator fees are not on a primary published source — check with the provider.
Bank-to-wallet on MVola is free to/from BNI and 0 Ar on the MVola side for other banks (the bank may still charge). Bank-side examples: BMOI to Orange Money is free; BMOI to Airtel Money is 1% (min 500 Ar); BMOI to MVola is 1% (min 1,000 Ar).
The ariary floats (no peg), and a wallet↔bank transfer has two legs — the operator's fee and the bank's fee — so always check both sides. Orange Money and Airtel Money operator fees could not be verified on a primary source; treat them as check-with-provider.
Worked example: Pushing 100,000 Ar from MVola to a BNI account is free on the MVola side; to another bank it is about 1,000 Ar (1%) on the MVola side plus that bank's own fee.
Source: MVola tariffs (mvola.mg, PDF dated 17 Feb 2025); BMOI "Conditions Tarifaires 2025" (1 Jan 2025). Orange Money and Airtel Money operator fees not on a primary dated page — check with provider. Verified 25 June 2026.
Airtel Money channels: deposit, withdrawal and coupon
Deposits to the Airtel Money wallet are free at service points (PoPs, Cash Points and Yas Stores) — you only pay to send and withdraw. For withdrawal there are two channels: the Cash Point (agent), and, for partner-bank customers, the ATM — for example BRED Madagasikara ATMs, the ATM partner. Withdrawal fees follow the bands in the table above.
To send to someone without a mobile money account, the coupon system lets the recipient withdraw the amount with a code, without a wallet. The per-operation transfer cap is 20 million ariary; above that, the send must be split.
Transfer to another operator (interoperability)
Madagascar has full, multidirectional interoperability: from Airtel Money you can send to the other operators (MVola, Orange Money, Airtel Money), routed by the recipient number's prefix. The rate for a transfer 'to another operator' can differ from a same-network transfer, so check the recipient's operator before sending.
Identify a number's operator with our prefix page (032, 033, 034…). Confirm the exact cross-operator schedule on the operator's site.
Airtel Money vs Other Providers in Madagascar: Fee Comparison
Frequently Asked Questions
What are Airtel Money fees to send money in Madagascar?
Airtel Money fees are banded by the amount sent (see the table above). The per-operation transfer cap is 20 million ariary. Tip: sending just over a band edge costs more — split large sends at the band boundaries to save.
How do I withdraw money with Airtel Money in Madagascar?
You can withdraw at a Cash Point (agent) or, for some partner banks, at an ATM (for example BRED Madagasikara). Deposits to the wallet are free at service points. Withdrawal fees are banded by amount.
Can I send to another operator from Airtel Money?
Yes. Madagascar has full interoperability: you can send to the other operators (MVola, Orange Money, Airtel Money), routed by the number's prefix. The 'to another operator' rate can differ from the same-network rate; confirm the cross-operator schedule on the operator's site.
How do I send money to someone without a Airtel Money account?
You can send via a coupon: the non-subscriber recipient withdraws the amount with a code, without a wallet. Fees follow the banded send schedule.
Are there inactivity fees on Airtel Money?
For MVola, yes: 2,000 Ar after 6 months without a transaction, 4,000 Ar at 12 months, 6,000 Ar at 18 months. A small transaction every six months avoids them. See our dedicated inactivity-fees page.
Is Airtel Money the cheapest in Madagascar?
It depends on the amount and band. Use the calculator on the Madagascar page to compare Airtel Money with the other operators for your exact amount.
How much does a mobile money to bank transfer cost in Madagascar?
MVola (Telma) is the best-documented: wallet-to-bank is free to BNI and about 1% to other banks, plus any partner-bank fee (USSD #111#). Orange Money (#144#) and Airtel Money also offer wallet-to-bank, but their operator fees are not on a primary published source — check with the provider.
What is the bank to mobile money fee in Madagascar?
Bank-to-wallet on MVola is free to/from BNI and 0 Ar on the MVola side for other banks (the bank may still charge). Bank-side examples: BMOI to Orange Money is free; BMOI to Airtel Money is 1% (min 500 Ar); BMOI to MVola is 1% (min 1,000 Ar).
Does any tax apply to mobile money to bank transfers in Madagascar?
The ariary floats (no peg), and a wallet↔bank transfer has two legs — the operator's fee and the bank's fee — so always check both sides. Orange Money and Airtel Money operator fees could not be verified on a primary source; treat them as check-with-provider.
Airtel Money Madagascar: code, fees, interoperability and limits
What is the Airtel Money code in Madagascar?
The Airtel Money menu opens at *436# (source: Airtel Madagascar's official Facebook page). It covers send, withdraw, balance and payment. Customer care is on 121 and 434.
What are Airtel Money's fees in Madagascar?
To verify: Airtel Madagascar does NOT publish a readable tariff — airtel.mg and airtelmoney.mg are web apps that render no fee content, and the amounts aren't in a fetchable primary document. Check the tariff at *436# or at an agent before sending. By contrast, MVola publishes a public grid (mvola.mg/tarifs) — Airtel's pricing transparency is the weakest of the three Malagasy wallets.
Can Airtel Money send to MVola or Orange Money?
Yes. Airtel's terms (clause 8.3) confirm sending to a subscriber on any network — Madagascar has full interoperability. Routing is by prefix: 034 and 038 are Telma (MVola), 032 and 037 Orange (Orange Money), 033 Airtel. The 'other operator' rate can differ from same-network.
What are the sign-up (KYC) requirements?
You must be 18+, present a Malagasy national ID (or passport / residence card for a foreigner), and one person may hold at most 5 Airtel Money accounts (T&C, clauses 3.1.1, 3.6). Data is retained for at least 5 years.
What is the Airtel Money limit?
Per-transaction, daily and maximum-balance limits exist and are CSBF-approved (T&C, clauses 3.7, 8.2), but Airtel states the amounts are 'available at agents, on the site and social media' — they aren't printed. Amounts to verify at *436# or an agent.
How do I withdraw Airtel Money cash?
Cash-out is at an Airtel Money agent: you start it in the menu, but it's completed on the agent's premises, with an SMS as proof (T&C 10.1). Withdrawal fees apply (amount not published). ATM withdrawal is possible only where a bank-to-wallet partnership exists.
Facts confirmed from Airtel Madagascar's terms & conditions (official PDF) and its Facebook page, verified 7 July 2026. Fee grids and numeric limits aren't published in a fetchable primary page — verify at *436#.