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Mobile Money Fees in South Africa
VodaPay, MTN, Mukuru — including all government levies. Updated April 2026.
3 providersZARNo levy
RZAR
Compare Providers
| Provider | Send | Withdraw | Levy | Total |
|---|---|---|---|---|
VPVodaPayCheapest | Free | R13.00 | None | Free |
MTNMTN | R7.50 | R7.50 | None | R7.50 |
MKMukuru | R20.00 | R15.00 | None | R20.00 |
Fees shown for R500 ZAR. Use the calculator above for your exact amount.
Provider Details
VP
VodaPay (Vodacom)
South Africa · ZAR
Send money fees
| Free tier | Free |
Withdrawal fees
| R10+ | R8 + 1% |
MTN
MTN MoMo
South Africa · ZAR
Send money fees
| R1-R500 | 1.5% |
| R501-R1,000 | 1% |
| R1,001+ | 0.5% |
Withdrawal fees
| R1+ | 1.5% |
Exchange Rates
Live
vs ZAR (South African Rand)
Updated Jun 3, 00:00 UTCAll rates →
Government Levies & Taxes
No Government Levy
Fee data last verified April 2026. Always confirm with your provider before large transactions.
Frequently Asked Questions
Is VodaPay free in South Africa?
VodaPay wallet-to-wallet sends are FREE. Cash-out at a retailer agent costs R8 + 1% of the amount. ATM withdrawals are R8 + 2%.
What is PayShap and how does it compare to VodaPay?
PayShap is South Africa's instant interbank transfer system using a mobile number. For P2P transfers between participating banks, PayShap is often free or very cheap — a common alternative to VodaPay cash-out.
What are the mobile money providers in South Africa?
The main mobile money providers in South Africa are VodaPay (Vodacom), MTN MoMo, Mukuru. Use our calculator above to compare fees across all providers.
Which is the cheapest mobile money provider in South Africa?
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 South Africa?
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.