MTN MoMo Fees in South Africa
🇿🇦 ZAR (R) · Including all taxes
MTN MoMo is one of the leading mobile money services in South Africa, serving millions of users. Send fees are 1.5% 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 South Africa in 2026?
On MTN MoMo in South Africa, receiving is free. Sending money costs 1.5% up to R500. Cashing out costs 1.5%. No state tax stacks on top. Tariffs verified against the operator source (June 2026).
MTN MoMo Send Money Fee Tiers in South Africa
| Range | Fee |
|---|---|
| R1 - R500 | 1.5% 1.5% (min R2) |
| R501 - R1,000 | 1% 1.0% |
| R1,001+ | 0.5% 0.5% |
MTN MoMo Withdrawal (Cash-Out) Fee Tiers in South Africa
| Range | Fee |
|---|---|
| R1+ | 1.5% 1.5% cash-out |
About MTN MoMo in South Africa
South Africa is bank- and card-led; mobile wallets (VodaPay, Capitec Pay, eWallet) play a smaller role than elsewhere on the continent. The rand is highly liquid and instant bank rails (PayShap) dominate, so wallet fees are judged against a bank transfer, not just against each other.
On pricing, here is how MTN MoMo structures its fees. Sending is priced by band : 1.5% R1–R500; 1% R501–R1,000; 0.5% above R1,001. Cash-out is priced by band : 1.5% above R1. 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 South Africa: 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 South Africa for your exact amount, use the calculator at the top of this page or open the South Africa page. Tariffs rendered from our database, verified in 2026.
MTN MoMo vs Other Providers in South Africa: Fee Comparison
Frequently Asked Questions
How much does MTN MoMo charge to send money in South Africa?
MTN MoMo charges 1.5% per transfer in South Africa.
What are the MTN MoMo withdrawal fees in South Africa?
MTN MoMo withdrawal fees in South Africa are 1.5% per transaction.
Is there a government levy on MTN MoMo transactions in South Africa?
No. There is currently no government levy on mobile money transactions in South Africa.
What is the MTN MoMo USSD code in South Africa?
Use the MTN MoMo mobile app or visit an authorized agent in South Africa.
Is MTN MoMo the cheapest mobile money provider in South Africa?
It depends on the amount. Use the MomoCalc calculator on the South Africa page to compare all providers for your specific amount.