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Mobile Money Fees in Rwanda

MTN, Airtel — including all government levies. Updated April 2026.

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

In Rwanda, mobile money fees vary by operator (MTN, Airtel) and amount band. Use the calculator below for the exact cost in RWF, including government levies. Typical fees range from flat unit amounts to a percentage of the transfer; withdrawals usually add a separate charge.

2 providersRWFNo levy

Provider

Amount

RWFRWF

Compare Providers

Provider	Send	Withdraw	Levy	Total
MTNMTNCheapest	RWF100.00	RWF200.00	None	RWF100.00
AIRAirtel	RWF120.00	RWF200.00	None	RWF120.00

Fees shown for RWF5,000 RWF. Use the calculator above for your exact amount.

Provider Details

MTN

MTN MoMo

Rwanda · RWF

Send money fees

RWF1-RWF1,000	RWF20
RWF1,001-RWF10,000	RWF100
RWF10,001-RWF150,000	RWF250
RWF150,001+	RWF1,500

Withdrawal fees

RWF1,000-RWF10,000	RWF200
RWF10,001-RWF100,000	RWF300
RWF100,001-RWF500,000	RWF1,500
RWF500,001-RWF1,500,000	RWF3,000

View full fee table →

AIR

Airtel Money

Rwanda · RWF

Send money fees

RWF1-RWF1,000	RWF25
RWF1,001-RWF10,000	RWF120
RWF10,001-RWF150,000	RWF300
RWF150,001+	RWF1,800

Withdrawal fees

RWF1,000-RWF10,000	RWF200
RWF10,001-RWF100,000	RWF300
RWF100,001-RWF500,000	RWF1,500
RWF500,001+	RWF3,000

View full fee table →

Exchange Rates

Live

vs RWF (Rwandan Franc)

Updated Jun 22, 15:00 UTCAll rates →

Government Levies & Taxes

✓

No Mobile Money Levy

Levy abolished

Rwanda does not currently impose a specific government levy on mobile money transactions.

Rate

Applies to

Send & withdraw

Paid by

Sender

Quick Links

MTNMTN MoMo fees AIRAirtel Money fees

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

The complete Rwanda mobile money guide

Rwanda has a structural advantage: no government tax on mobile money. The operator fee IS the total cost. On the MTN MoMo side, the Mastercard Virtual Card (create via *182*6*2#) is the market's distinctive asset — Mastercard online access for any MoMo wallet holder, no bank account needed. Here are the pages that unpack the ecosystem.

★ Flagship

MoMo Virtual Card (Mastercard)

Create via *182*6*2# - online & USD subscriptions, no bank needed

MoMoPay merchant

Free below RWF 4,000

Customer: zero fee. Merchant: 0.5% above RWF 4,000.

USSD codes

*182# (MTN), *500# (Airtel)

All USSD paths - send, withdraw, balance, Virtual Card

Cost by amount — send

RWF 5k RWF 10k RWF 25k RWF 50k RWF 100k RWF 150k RWF 500k RWF 1M

Cost by amount — withdraw

RWF 5k RWF 10k RWF 25k RWF 50k RWF 100k RWF 150k RWF 500k RWF 1M

All charges overview Send fees MoMo to bank (~2%)Withdrawal schedule Agent rights Cross-network MTN↔Airtel Limits & KYC tiers Get a MoMoPay code MTN USSD detailed Check balance Reset PIN Reverse transfer Customer care (100)Download MoMo app MTN MoMo fees Airtel Money fees

The other Rwanda tools

Bank SWIFT codes (Bank of Kigali, I&M, Equity...) →USD → RWF RWF → USD Receive in Rwanda →EAC hub →

Sending money to Rwanda?

Compare the services that deliver to Rwanda - neutral verdict, no-affiliate, with the real recipient-side costs.

🇺🇸From United States→🇬🇧From United Kingdom→🇨🇦From Canada→🇰🇪From Kenya→🇳🇬From Nigeria→

Frequently Asked Questions

Is there a government levy on mobile money in Rwanda?

No. Rwanda does not impose a government levy on domestic mobile money transfers as of 2026.

How much does MTN MoMo charge in Rwanda?

MTN MoMo P2P fees range from RWF 20 for amounts under RWF 1,000 up to RWF 1,500 for transfers above RWF 150,000.

What are the mobile money providers in Rwanda?

The main mobile money providers in Rwanda are MTN MoMo, Airtel Money. Use our calculator above to compare fees across all providers.

Which is the cheapest mobile money provider in Rwanda?

The cheapest provider depends on the amount. Use our fee calculator to compare all providers side by side for your specific amount.

How do I avoid paying high mobile money fees in Rwanda?

Tips: 1) Compare providers using MomoCalc before sending. 2) Use the provider's app instead of an agent. 3) Send larger amounts less frequently. 4) Know the official fees so agents can't overcharge.