TNM Mpamba Charges
🇲🇼 MWK (MK) · Including all taxes
TNM Mpamba is one of the leading mobile money services in Malawi, serving millions of users. Use the fee tables below to see all charges including government taxes.
How much does TNM Mpamba charge per transaction in 2026?
On TNM Mpamba in Malawi, receiving is free. Sending money follows the operator schedule. Cashing out follows the operator schedule. No state tax stacks on top. Tariffs verified against the operator source (June 2026).
TNM Mpamba Send Money Fee Tiers in Malawi
| Range | Fee |
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| No data | |
TNM Mpamba Withdrawal (Cash-Out) Fee Tiers in Malawi
| Range | Fee |
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| No data | |
TNM Mpamba / Airtel Money to Bank & Bank to TNM Mpamba / Airtel Money: Transfer Fees
How much does a TNM Mpamba / Airtel Money to bank transfer cost in Malawi?
Both TNM Mpamba and Airtel Money support bank transfers via partner banks, but the per-transaction grid is not machine-readable. TNM Mpamba revised its fees effective 26 May 2026 — verify the current tariff in *444#.
Both TNM Mpamba and Airtel Money support bank transfers via partner banks, but the per-transaction grid is not machine-readable. TNM Mpamba revised its fees effective 26 May 2026 — verify the current tariff in *444#.
Bank-to-wallet top-up is offered through bank apps and agents; no flat fee is published — confirm with your bank.
Airtel Money Malawi runs cross-border transfers to Zambia and Rwanda. The kwacha (MWK) floats against the dollar, so for an inbound transfer the day's rate matters alongside the fee.
Worked example: To move MWK 50,000 from Mpamba to a bank account, the fee shows in the *444# menu at confirmation — not published as a flat tier, so verify before sending.
Source: airtel.mw, tnmmpamba.co.mw (fees revised 26 May 2026); grids not machine-readable — verify.
How to Send Money with TNM Mpamba in Malawi
- Dial *444# — Open your phone's dialer and enter *444# on the TNM Mpamba 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 TNM Mpamba PIN to authorise; you get an SMS confirmation.
About TNM Mpamba in Malawi
Government levy. There is currently no specific state mobile-money tax in Malawi: you pay only the operator's fee.
How to use it. You manage TNM Mpamba via the mobile app, the operator's USSD menu (no internet needed), or an authorised agent to deposit and withdraw cash. Fees are identical on every channel — the schedule above applies with no per-channel surcharge, and an agent should never charge cash on top of the fee deducted from your balance.
To compare TNM Mpamba with the other operators in Malawi for your exact amount, use the calculator at the top of this page or open the Malawi page. Tariffs rendered from our database, verified in 2026.
TNM Mpamba vs Other Providers in Malawi: Fee Comparison
Frequently Asked Questions
How much does TNM Mpamba charge to send money in Malawi?
See the fee tables above for details.
What are the TNM Mpamba withdrawal fees in Malawi?
See the fee tables above for details.
Is there a government levy on TNM Mpamba transactions in Malawi?
No. There is currently no government levy on mobile money transactions in Malawi.
What is the TNM Mpamba USSD code in Malawi?
Use the TNM Mpamba mobile app or visit an authorized agent in Malawi.
Is TNM Mpamba the cheapest mobile money provider in Malawi?
It depends on the amount. Use the MomoCalc calculator on the Malawi page to compare all providers for your specific amount.
How much does a TNM Mpamba / Airtel Money to bank transfer cost in Malawi?
Both TNM Mpamba and Airtel Money support bank transfers via partner banks, but the per-transaction grid is not machine-readable. TNM Mpamba revised its fees effective 26 May 2026 — verify the current tariff in *444#.
What is the bank to TNM Mpamba / Airtel Money fee in Malawi?
Bank-to-wallet top-up is offered through bank apps and agents; no flat fee is published — confirm with your bank.
Does any tax apply to TNM Mpamba / Airtel Money to bank transfers in Malawi?
Airtel Money Malawi runs cross-border transfers to Zambia and Rwanda. The kwacha (MWK) floats against the dollar, so for an inbound transfer the day's rate matters alongside the fee.
TNM Mpamba vs Airtel Money: cash-out charges compared
Both wallets price cash-out in bands by amount. TNM does not publish a machine-readable Mpamba tariff (and revised fees in 2026), so dial *444# for today's exact charge and compare it against Airtel Money on our Airtel Malawi page.
How much does TNM Mpamba charge to withdraw?
Mpamba cash-out is priced in bands by amount — the bigger the withdrawal, the higher the flat fee. TNM does not publish a machine-readable tariff (its site is app-based), and it revised Mpamba fees in 2026, so the authoritative figure is the one shown inside the *444# menu at confirmation. The comparison below uses our own tracked Mpamba fee bands; dial *444# to confirm today's exact charge before you cash out.
What is the TNM Mpamba daily / transaction limit?
Press reporting of TNM figures (2023) put the maximum single transaction at MK 1,500,000 (raised from MK 750,000) and the wallet balance cap around MK 2,000,000, described as RBM-approved. Wallet limits and KYC tiers are set under the Reserve Bank of Malawi's e-Money Regulations (2019). Exact per-tier daily/monthly figures aren't published on TNM's site — verify your own limit in the app or at an agent.
How do I send money with Mpamba (USSD)?
Dial *444# to open the Mpamba menu, choose Send Money, enter the recipient's number, confirm the name, enter the amount and approve with your PIN. The same *444# menu covers withdrawals and balance checks. You can also use the Mpamba app or an agent.
Can I send from Mpamba to Airtel Money?
Yes. Mpamba↔Airtel Money wallet-to-wallet transfers have been live since January 2019 (announced by TNM), carried over NatSwitch, Malawi's national switch co-owned by the banks, Airtel and TNM. So you can send across networks — check the cross-network fee in the *444# menu, as it can differ from an on-net Mpamba-to-Mpamba send.
How do I receive money from abroad on Mpamba?
Mukuru is TNM's long-standing inbound partner (since 2016): a registered Mpamba customer can receive straight into the wallet or collect cash at any Mpamba agent. Remitly also lists payout to the TNM (Mpamba) wallet. Note: WorldRemit pays into Airtel Money only, not Mpamba — so if you're expecting a WorldRemit transfer, it lands on Airtel. From the UK, see our UK→Malawi guide for who reaches Mpamba.
Is depositing to Mpamba free, and how does cash-out work?
Depositing cash into a mobile wallet is free across the Malawian market (the cost sits on the withdrawal side) — but TNM does not state this on a fetchable page, so confirm with an agent. Cash-out runs through TNM's nationwide Mpamba agent network; you can also redeem a Mukuru voucher at any Mpamba agent, and bank/ATM withdrawal runs over NatSwitch.