MTN MoMo Fees in Rwanda
🇷🇼 RWF (RWF) · Including all taxes
MTN MoMo is one of the leading mobile money services in Rwanda, serving millions of users. Send fees are RWF20 per transaction. Use the fee tables below to see all charges including government taxes.
See MTN MoMo in every country →How much does MTN MoMo charge in Rwanda in 2026?
On MTN MoMo in Rwanda, receiving is free. Sending money costs RWF20 up to RWF1,000, up to RWF1,500 on larger amounts. Cashing out costs RWF200 RWF1,000–RWF10,000, up to RWF5,000 on larger amounts. No state tax stacks on top. Tariffs verified against the operator source (June 2026).
MTN MoMo Send Money Fee Tiers in Rwanda
| Range | Fee |
|---|---|
| RWF1 - RWF1,000 | RWF20 RWF 20 |
| RWF1,001 - RWF10,000 | RWF100 RWF 100 |
| RWF10,001 - RWF150,000 | RWF250 RWF 250 |
| RWF150,001+ | RWF1,500 RWF 1,500 |
MTN MoMo Withdrawal (Cash-Out) Fee Tiers in Rwanda
| Range | Fee |
|---|---|
| RWF1,000 - RWF10,000 | RWF200 RWF 200 |
| RWF10,001 - RWF100,000 | RWF300 RWF 300 |
| RWF100,001 - RWF500,000 | RWF1,500 RWF 1,500 |
| RWF500,001 - RWF1,500,000 | RWF3,000 RWF 3,000 |
| RWF1,500,001+ | RWF5,000 RWF 5,000 |
Rwanda Mobile Money Levies & Taxes
No Mobile Money Levy
Levy abolishedRwanda does not currently impose a specific government levy on mobile money transactions.
MoMo to Bank & Bank to MoMo: Transfer Fees
How much does a MoMo to bank transfer cost in Rwanda?
Free to a linked bank account (and to Zigama). To a non-linked account it is tiered: RWF 500 (RWF 5,000–40,000), RWF 1,000 (up to 300,000), RWF 2,500 (up to 2,000,000), then RWF 5,000–10,000 on larger bands.
Free to a linked bank account (and to Zigama). To a non-linked account it is tiered: RWF 500 (RWF 5,000–40,000), RWF 1,000 (up to 300,000), RWF 2,500 (up to 2,000,000), then RWF 5,000–10,000 on larger bands.
Free from a linked bank account (and Zigama). From a non-linked account it is tiered: RWF 100 (up to 5,000), RWF 500 (up to 40,000), RWF 1,000 (up to 300,000), then RWF 2,500–10,000 on larger bands.
Rwanda legislated a 15% excise duty on the fee charged on financial transactions, but its mobile-money component is deferred to 1 July 2027 — so no extra mobile-money excise applies as of 25 June 2026. Confirm the 2027 status with MTN/RRA closer to the date.
Worked example: Pushing RWF 100,000 from MoMo to a linked bank account is free; to a non-linked account it costs RWF 1,000 (the RWF 40,001–300,000 band). Pulling the same amount from a bank into the wallet is free if linked, else RWF 1,000.
Source: MTN Rwanda official tariff (mtn.co.rw/momo-tarrif), live 25 Jun 2026; Rwanda 15% excise deferral per EY tax alert (16 Jun 2025)
How to Send Money with MTN MoMo in Rwanda
- Dial *182# — Open your phone's dialer and enter *182# on the MTN MoMo 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 MTN MoMo PIN to authorise; you get an SMS confirmation.
About MTN MoMo in Rwanda
Rwanda is served by MTN MoMo and Airtel Money, in an economy Kigali has pushed hard toward cashless. With two operators and a strong merchant-payment push, keeping money on the wallet to pay rather than cashing out is the encouraged norm here.
On pricing, here is how MTN MoMo structures its fees. Sending is priced by band : flat RWF20 RWF1–RWF1,000; flat RWF100 RWF1,001–RWF10,000; flat RWF250 RWF10,001–RWF150,000; flat RWF1,500 above RWF150,001. Cash-out is priced by band : flat RWF200 RWF1,000–RWF10,000; flat RWF300 RWF10,001–RWF100,000; flat RWF1,500 RWF100,001–RWF500,000; flat RWF3,000 RWF500,001–RWF1,500,000. Receiving money is free; the cost sits at sending and at cashing out to physical cash.
Government levy. There is currently no specific state mobile-money tax in Rwanda: you pay only the operator's fee.
How to use it. You manage MTN MoMo 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 MTN MoMo with the other operators in Rwanda for your exact amount, use the calculator at the top of this page or open the Rwanda page. Tariffs rendered from our database, verified in 2026.
MTN MoMo vs Other Providers in Rwanda: Fee Comparison
Frequently Asked Questions
How much does MTN MoMo charge to send money in Rwanda?
MTN MoMo charges RWF20 per transfer in Rwanda.
What are the MTN MoMo withdrawal fees in Rwanda?
MTN MoMo withdrawal fees in Rwanda are RWF200 per transaction.
Is there a government levy on MTN MoMo transactions in Rwanda?
No. There is currently no government levy on mobile money transactions in Rwanda.
What is the MTN MoMo USSD code in Rwanda?
Use the MTN MoMo mobile app or visit an authorized agent in Rwanda.
Is MTN MoMo the cheapest mobile money provider in Rwanda?
It depends on the amount. Use the MomoCalc calculator on the Rwanda page to compare all providers for your specific amount.
How much does a MoMo to bank transfer cost in Rwanda?
Free to a linked bank account (and to Zigama). To a non-linked account it is tiered: RWF 500 (RWF 5,000–40,000), RWF 1,000 (up to 300,000), RWF 2,500 (up to 2,000,000), then RWF 5,000–10,000 on larger bands.
What is the bank to MoMo fee in Rwanda?
Free from a linked bank account (and Zigama). From a non-linked account it is tiered: RWF 100 (up to 5,000), RWF 500 (up to 40,000), RWF 1,000 (up to 300,000), then RWF 2,500–10,000 on larger bands.
Does any tax apply to MoMo to bank transfers in Rwanda?
Rwanda legislated a 15% excise duty on the fee charged on financial transactions, but its mobile-money component is deferred to 1 July 2027 — so no extra mobile-money excise applies as of 25 June 2026. Confirm the 2027 status with MTN/RRA closer to the date.