Senegal Mobile Money Fees
Wave, Orange, Free - including all government levies. Updated June 2026.
How much does it cost to send money via mobile money in Senegal?
In Senegal, mobile money fees vary by operator (Wave, Orange, Free) and amount band. Use the calculator below for the exact cost in XOF, including government levies. Typical fees range from flat unit amounts to a percentage of the transfer; withdrawals usually add a separate charge.
Compare Wave, Orange, Free fees in Senegal
| Provider | Send | Withdraw | Levy | Total |
|---|---|---|---|---|
WAVWave | FCFA50.00 | Free | FCFA25.00 | FCFA75.00 |
ORGOrangeCheapest | FCFA40.00 | Free | FCFA25.00 | FCFA65.00 |
FREFree | FCFA50.00 | FCFA50.00 | FCFA25.00 | FCFA75.00 |
Which mobile money providers work in Senegal?
Orange Money
Senegal · XOF
Send money fees
| FCFA1+ | 0.8% |
Withdrawal fees
| FCFA1+ | FCFA0 |
XOF exchange rates
Livevs XOF (Franc CFA)
Government Levies & Taxes
Money Transfer Tax (TTA)
Levy activeSenegal applies a 0.5% Money Transfer Tax (TTA) on the value of each mobile money operation — transfers, payments and withdrawals — capped at 2,000 FCFA per transaction. It was created by Law n°2025-17 of 27 September 2025, and collection began on Orange Money from 16 December 2025. The operator collects it from the customer initiating the operation.
Effective since 2025-12-16
Source: Loi n°2025-17 du 27 septembre 2025 (CGI) ; Orange Sénégal ; SeneNews ; Le Quotidien (déc. 2025) · verified 2026-06-20
⚖️ Wave vs Orange Money
Side-by-side fees, per-use-case verdict and a live calculator →
Fee data last verified June 2026. Always confirm with your provider before large transactions.
🎉 PI-SPI (BCEAO): since 30 September 2025, a person-to-person send is instant and free from one connected institution to another — from one mobile-money network to another, or to a bank — across the 8 UEMOA countries, including Senegal. The condition: both institutions must be connected, which is expanding week by week. How it works →
What are the withdrawal fees in Senegal?
Good news in Senegal: withdrawal is FREE on both Wave and Orange Money — you pay nothing to cash out. Free Money charges about 1% (to verify). It's the send and deposit legs that carry the fee: Orange 0.8% (cap 4,500 FCFA), Wave 1% (cap 5,000 FCFA).
Sources: Wave (wave.com), Orange Money (orange.sn). Verified 26 June 2026. Free Money: indicative, verify with provider.
Wave vs Orange Money in Senegal: which is cheaper? (2026)
It's a price war: Orange Money hit back at Wave by cutting its send fee to 0.8% (cap 4,500 FCFA), under Wave's 1% (announced 22 November). Both offer free withdrawal. So on a pure send, Orange is now the cheaper one; Wave stays dead-simple (app, QR) and free to receive. With withdrawal free on both sides, the only gap is on the send: 0.8% vs 1%.
Current as of 26 June 2026. Sources: wave.com, orange.sn.
Full Wave vs Orange comparison →How do I transfer mobile money to a bank in Senegal?
How much does a mobile money to bank transfer cost in Senegal?
Orange Money offers a wallet-to-bank transfer; the fee varies by bank and is shown before you confirm. Wave bank-linked sends follow Wave's 1% send rate. Confirm the exact wallet→bank fee in the app.
Orange Money offers a wallet-to-bank transfer; the fee varies by bank and is shown before you confirm. Wave bank-linked sends follow Wave's 1% send rate. Confirm the exact wallet→bank fee in the app.
Orange Money's bank-to-wallet (Bank to Wallet) is 0.8%, capped at 500 FCFA (orange.sn). Loading a Wave wallet from a linked bank account follows Wave's 1%. Other banks set their own outbound fee.
Worked example: Loading 100,000 FCFA from a bank into your Orange Money wallet costs about 500 FCFA (0.8% capped at 500). On Wave it would be about 1,000 FCFA (1%).
Source: Orange Money Sénégal Bank to Wallet (orange.sn, 0.8% capped 500 FCFA); Wave (wave.com, 1% send). Wallet→bank exact fee not published as a flat tier — confirm in-app. Verified 26 June 2026.
USSD codes: send and withdraw in Senegal
- Wave - app — Wave is app-first (no USSD): download the Wave app, register with your number, then send (1%) or withdraw (free) by scanning the agent's QR code.
- Orange Money - menu — Dial #144# for the Orange Money menu (transfer, withdrawal, Bank to Wallet, balance), then confirm with your PIN.
- Free Money - menu — Dial #150# for Free Money (transfer, withdrawal), then confirm with your PIN.
Send and invoice to/from Senegal
The CFA franc (XOF) is pegged to the euro at a fixed rate (1 EUR = 655.957 FCFA): on the France↔Senegal route there is no FX risk — only fees matter. Intra-WAEMU sends via Wave cost ~1.5%.
Sending money to Senegal?
Compare the services that deliver to Senegal - neutral verdict, no-affiliate, with the real recipient-side costs.