MVola Fees
🇲🇬 MGA (Ar) · Including all taxes
MVola is one of the leading mobile money services in Madagascar, serving millions of users. Send fees are Ar70 per transaction. Use the fee tables below to see all charges including government taxes.
How much does MVola charge per transaction in 2026?
On MVola in Madagascar, receiving is free. Sending money costs Ar70 Ar100–Ar1,000, up to Ar3,800 on larger amounts. Cashing out is free Ar100–Ar1,000, then Ar1,001–Ar5,000 costs Ar150, up to Ar29,400 on larger amounts. No state tax stacks on top. Tariffs verified against the operator source (June 2026).
MVola Send Money Fee Tiers in Madagascar
| Range | Fee |
|---|---|
| Ar100 - Ar1,000 | Ar70 Ar 70 to MVola subscriber |
| Ar1,001 - Ar5,000 | Ar70 Ar 70 |
| Ar5,001 - Ar10,000 | Ar150 Ar 150 |
| Ar10,001 - Ar25,000 | Ar250 Ar 250 |
| Ar25,001 - Ar50,000 | Ar500 Ar 500 |
| Ar50,001 - Ar100,000 | Ar1,000 Ar 1,000 |
| Ar100,001 - Ar250,000 | Ar1,900 Ar 1,900 |
| Ar250,001 - Ar500,000 | Ar1,900 Ar 1,900 |
| Ar500,001 - Ar1,000,000 | Ar3,200 Ar 3,200 |
| Ar1,000,001 - Ar2,000,000 | Ar3,800 Ar 3,800 |
MVola Withdrawal (Cash-Out) Fee Tiers in Madagascar
| Range | Fee |
|---|---|
| Ar100 - Ar1,000 | Ar0 Free |
| Ar1,001 - Ar5,000 | Ar150 Ar 150 |
| Ar5,001 - Ar10,000 | Ar275 Ar 275 |
| Ar10,001 - Ar20,000 | Ar550 Ar 550 |
| Ar20,001 - Ar25,000 | Ar650 Ar 650 |
| Ar25,001 - Ar50,000 | Ar1,300 Ar 1,300 |
| Ar50,001 - Ar100,000 | Ar1,900 Ar 1,900 |
| Ar100,001 - Ar250,000 | Ar3,400 Ar 3,400 |
| Ar250,001 - Ar500,000 | Ar4,700 Ar 4,700 |
| Ar500,001 - Ar1,000,000 | Ar8,800 Ar 8,800 |
| Ar1,000,001 - Ar2,000,000 | Ar14,700 Ar 14,700 |
| Ar2,000,001 - Ar3,000,000 | Ar19,600 Ar 19,600 |
| Ar3,000,001 - Ar4,000,000 | Ar24,500 Ar 24,500 |
| Ar4,000,001 - Ar5,000,000 | Ar29,400 Ar 29,400 |
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.
How to Send Money with MVola in Madagascar
- Dial #111# — Open your phone's dialer and enter #111# on the MVola 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 MVola PIN to authorise; you get an SMS confirmation.
MVola channels: deposit, withdrawal and coupon
Deposits to the MVola 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 MVola 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.
MVola vs Other Providers in Madagascar: Fee Comparison
Frequently Asked Questions
What are MVola fees to send money in Madagascar?
MVola 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 MVola 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 MVola?
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 MVola 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 MVola?
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 MVola the cheapest in Madagascar?
It depends on the amount and band. Use the calculator on the Madagascar page to compare MVola 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.
MVola Avance, inactivity, limits and recovery: the common questions
How much does MVola Avance cost?
MVola Avance charges between 8% and 12% of the amount advanced depending on your loyalty, repayable within 30 days, up to a 4,000,000 Ar cap (mvola.mg, tariff dated 17-02-2025). MVola's own example: at 9%, borrowing 30,000 Ar is repaid as 32,700 Ar (2,700 Ar fee). Credit costs money — weigh the cost before using it.
Does MVola charge inactivity fees?
Yes. After a period with no activity, MVola charges 2,000 Ar at 6 months, 4,000 Ar at 12 months and 6,000 Ar at 18 months of inactivity (mvola.mg, tariff dated 17-02-2025). To avoid them, keep the account active: a single transaction resets the clock.
What is the MVola limit?
You can transfer up to 20,000,000 Ar per operation (mvola.mg, tariff dated 17-02-2025). On top of that: a daily cumulative maximum of 20,000,000 Ar, a monthly cumulative of 620,000,000 Ar, and a maximum balance of 20,000,000 Ar. Per-KYC-tier caps aren't published — verify with MVola.
I sent money to the wrong number — how do I get it back?
Dial #111*1*6*13# to request the return of a transfer sent to the wrong number (mvola.mg). Do it fast: the mistaken recipient may have already spent the funds. Note the transaction number and time before calling customer care.
Can I withdraw MVola cash at an ATM?
Yes, at BRED Madagasikara BP bank ATMs, in addition to the usual MVola Cash Points (mvola.mg). The tariff lists the "Cash Point" and "BRED ATM" withdrawals separately — whether the two are priced the same isn't confirmed, so check the grid.
Can I send from MVola to Orange Money or Airtel Money?
Yes — Madagascar has full interoperability: MVola sends to an 'Other Operators' subscriber (Orange Money 032/037, Airtel Money 033), routed by prefix. The cross-operator rate is higher than same-network (from 300 Ar vs 70 Ar on-net). Identify the recipient's operator from their prefix before sending.
Figures from mvola.mg (tariff dated 17-02-2025), verified 7 July 2026. mvola.mg is a web app; see the official grid for the per-band detail.