Rwanda MoMo transfer (send) charges — the four bands explained
Sending money on MTN MoMo Rwanda follows four simple bands: RWF 20 below 1,000; RWF 100 up to 10,000; RWF 250 up to 150,000; RWF 1,500 flat above up to the per-transaction cap of 2,000,000. That's it — no government tax added, no VAT. The displayed fee is the final cost.
Full schedule in one table
- RWF 1–1,000 → RWF 20 fee
- RWF 1,001–10,000 → RWF 100 fee
- RWF 10,001–150,000 → RWF 250 fee
- RWF 150,001–2,000,000 → RWF 1,500 fee
Note: fees apply to standard P2P send (MTN to MTN or MTN to Airtel via interoperability). Merchant payment (MoMoPay) is in a separate category — free on the customer side.
Why Rwanda has no tax on send
The Rwandan government made the policy choice years ago NOT to overcharge mobile money. It's the opposite of Kenya (which imposes 0.15% excise on M-Pesa sends to fund the budget) or Uganda (which imposes 0.5% on withdrawals plus VAT on fees). The Rwandan bet is that a multiplied cashless transaction volume — the RNDPS vision — is worth more to the economy than short-term tax revenue skimmed off every transaction. For you, the end user, that means: what MTN displays is what you pay.