Wave Fees in Mali
🇲🇱 XOF (FCFA) · Including all taxes
Wave is one of the leading mobile money services in Mali, serving millions of users. Domestic transfers are free. Note that Mali applies a government levy on mobile money transactions. Use the fee tables below to see all charges including government taxes.
How much does Wave charge in Mali in 2026?
On Wave in Mali, receiving is free. Sending money is free. Cashing out costs 1%, capped at FCFA5,000. A state tax also applies (Mobile Money Withdrawal Levy). Tariffs verified against the operator source (June 2026).
Wave Send Money Fee Tiers in Mali
| Range | Fee |
|---|---|
| Free | Free Wave provider fee FREE (1% govt levy applies) |
Wave Withdrawal (Cash-Out) Fee Tiers in Mali
| Range | Fee |
|---|---|
| FCFA1+ | 1% 1% capped FCFA 5,000 |
Mali Mobile Money Levies & Taxes
Mobile Money Withdrawal Levy
Levy activeMali applies a 1% State levy on mobile money cash withdrawals (retrait), paid by the customer withdrawing. It was introduced by Ordinance n°2025-008/PT-RM of 7 February 2025, effective 5 March 2025, to fund basic infrastructure and social development. A separate 10% tax applies to airtime/data top-ups.
Paid by sender
mobile money to Bank & Bank to mobile money: Transfer Fees
How much does a mobile money to bank transfer cost in Mali?
Orange Money and Moov Money link to Malian banks for wallet-to-bank transfers; the exact fee is not published as a flat tier and is shown in the app before you confirm — verify with the operator.
Orange Money and Moov Money link to Malian banks for wallet-to-bank transfers; the exact fee is not published as a flat tier and is shown in the app before you confirm — verify with the operator.
Loading a wallet from a bank account is available via the bank's app or the operator; the exact bank-to-wallet fee is set per bank — confirm with your bank.
Mali charges a 1% State levy on mobile-money cash WITHDRAWALS (Ordinance 2025-008, since 5 March 2025), paid by the customer — separate from any wallet↔bank fee. The withdrawal fee also rose to 200 FCFA above 10,000 FCFA.
Worked example: Cashing out 50,000 FCFA at an agent carries the 1% State withdrawal levy (about 500 FCFA) on top of the operator's withdrawal fee. A wallet→bank transfer fee is shown in the app — verify before sending.
Source: Mali 1% withdrawal levy: Ordinance 2025-008/PT-RM (DGI Mali), verified 26 June 2026. Exact wallet↔bank tiers not published — confirm with provider.
About Wave in Mali
Mali relies on Orange Money and Moov Money (Malitel), with adoption driven by domestic and diaspora transfers. In a large, lightly-banked country, mobile money is mainly about reaching the regions; the band tariff matters more than the operator choice.
On pricing, here is how Wave structures its fees. Sending is priced by band : free above FCFA1. Cash-out is priced by band : 1% above FCFA1 (cap FCFA5,000). Receiving money is free; the cost sits at sending and at cashing out to physical cash.
Government levy. Mali applies a government levy (Mobile Money Withdrawal Levy) on top of the operator fee — it is already included in the calculator totals above.
How to use it. You manage Wave 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 Wave with the other operators in Mali for your exact amount, use the calculator at the top of this page or open the Mali page. Tariffs rendered from our database, verified in 2026.
Wave vs Other Providers in Mali: Fee Comparison
Frequently Asked Questions
How much does Wave charge to send money in Mali?
Wave domestic transfers are free in Mali.
What are the Wave withdrawal fees in Mali?
Wave withdrawal fees in Mali are 1% per transaction, capped at FCFA5,000.
Is there a government levy on Wave transactions in Mali?
Yes. Mali applies a Mobile Money Withdrawal Levy on mobile money transactions.
What is the Wave USSD code in Mali?
Use the Wave mobile app or visit an authorized agent in Mali.
Is Wave the cheapest mobile money provider in Mali?
It depends on the amount. Use the MomoCalc calculator on the Mali page to compare all providers for your specific amount.
How much does a mobile money to bank transfer cost in Mali?
Orange Money and Moov Money link to Malian banks for wallet-to-bank transfers; the exact fee is not published as a flat tier and is shown in the app before you confirm — verify with the operator.
What is the bank to mobile money fee in Mali?
Loading a wallet from a bank account is available via the bank's app or the operator; the exact bank-to-wallet fee is set per bank — confirm with your bank.
Does any tax apply to mobile money to bank transfers in Mali?
Mali charges a 1% State levy on mobile-money cash WITHDRAWALS (Ordinance 2025-008, since 5 March 2025), paid by the customer — separate from any wallet↔bank fee. The withdrawal fee also rose to 200 FCFA above 10,000 FCFA.