Airtel Money Charges in Tanzania
🇹🇿 TZS (TSh) · Including all taxes
Airtel Money is one of the leading mobile money services in Tanzania, serving millions of users. Send fees are TSh15 per transaction. Note that Tanzania applies a government levy on mobile money transactions. Use the fee tables below to see all charges including government taxes.
See Airtel Money in every country →How much does Airtel Money charge in Tanzania in 2026?
On Airtel Money in Tanzania, receiving is free. Sending money costs TSh15 TSh200–TSh999, up to TSh4,000 on larger amounts. Cashing out costs TSh175 TSh200–TSh999, up to TSh9,000 on larger amounts. A state tax also applies (Mobile Money Withdrawal Levy ("tozo")). Tariffs verified against the operator source (June 2026).
Airtel Money Send Money Fee Tiers in Tanzania
| Range | Fee |
|---|---|
| TSh200 - TSh999 | TSh15 TZS 15 |
| TSh1,000 - TSh2,999 | TSh30 TZS 30 |
| TSh3,000 - TSh4,999 | TSh55 TZS 55 |
| TSh5,000 - TSh9,999 | TSh130 TZS 130 |
| TSh10,000 - TSh19,999 | TSh350 TZS 350 |
| TSh20,000 - TSh49,999 | TSh400 TZS 400 |
| TSh50,000 - TSh99,999 | TSh680 TZS 680 |
| TSh100,000 - TSh299,999 | TSh1,000 TZS 1,000 |
| TSh300,000 - TSh999,999 | TSh1,500 TZS 1,500 |
| TSh1,000,000+ | TSh4,000 TZS 4,000 |
Airtel Money Withdrawal (Cash-Out) Fee Tiers in Tanzania
| Range | Fee |
|---|---|
| TSh200 - TSh999 | TSh175 TZS 175 |
| TSh1,000 - TSh2,999 | TSh380 TZS 380 |
| TSh3,000 - TSh4,999 | TSh620 TZS 620 |
| TSh5,000 - TSh9,999 | TSh950 TZS 950 |
| TSh10,000 - TSh19,999 | TSh1,450 TZS 1,450 |
| TSh20,000 - TSh49,999 | TSh1,850 TZS 1,850 |
| TSh50,000 - TSh99,999 | TSh2,700 TZS 2,700 |
| TSh100,000 - TSh299,999 | TSh3,800 TZS 3,800 |
| TSh300,000 - TSh999,999 | TSh6,500 TZS 6,500 |
| TSh1,000,000+ | TSh9,000 TZS 9,000 |
Tanzania Mobile Money Levies & Taxes
Mobile Money Withdrawal Levy ("tozo")
Levy activeTanzania charges a banded government levy when you cash out at a mobile-money agent — from TZS 10 up to a maximum of TZS 2,000 at the top band. Sending money carries no levy. The transfer levy on bank↔wallet and inter-bank moves was scrapped on 1 October 2022; the withdrawal levy was kept, with its maximum cut to TZS 2,000.
Paid by sender
mobile money to Bank & Bank to mobile money: Transfer Fees
How much does a mobile money to bank transfer cost in Tanzania?
Wallet-to-bank runs over each operator's Pay Bank menu (M-Pesa Pay Bank *150*00#, Mixx by Yas → Bank, Airtel Money → Bank). You pay the operator's transfer fee — which already includes Tanzania's fiscal stack (10% excise + 18% VAT, a ~1.298× multiplier) — plus any fee the receiving bank charges. The menu shows the exact fee before you confirm; it varies by amount and bank.
Wallet-to-bank runs over each operator's Pay Bank menu (M-Pesa Pay Bank *150*00#, Mixx by Yas → Bank, Airtel Money → Bank). You pay the operator's transfer fee — which already includes Tanzania's fiscal stack (10% excise + 18% VAT, a ~1.298× multiplier) — plus any fee the receiving bank charges. The menu shows the exact fee before you confirm; it varies by amount and bank.
Pulling money from a bank into the wallet (bank → mobile money) is typically free or low-cost to receive, and is initiated from the bank's own app or USSD; the bank may apply its own outbound fee. Confirm the exact charge in your bank's mobile-money transfer screen.
Tanzania's mobile-money fees carry a fiscal stack — a 10% excise duty plus 18% VAT on the fee (about a 1.298× multiplier on the base operator fee). It is built into the displayed transfer fee, so the figure the Pay Bank menu shows is already tax-inclusive.
Worked example: To send TSh 100,000 from M-Pesa to a CRDB or NMB account, open *150*00#, choose Pay Bank, pick the bank, enter the account number and amount; the menu shows the all-in fee (operator fee × the 1.298 fiscal stack) before you confirm. On major partners the credit posts in seconds.
Source: Operator Pay Bank menus (vodacom.co.tz M-Pesa, yas.co.tz Mixx by Yas, airtel.co.tz); Tanzania fiscal stack 10% excise + 18% VAT (×1.298). Exact per-bank wallet→bank tiers vary — confirm in the live menu.
About Airtel Money in Tanzania
Tanzania has a genuinely competitive field — Vodacom M-Pesa, Airtel Money and Mixx by Yas (ex Tigo Pesa, rebranded 26 November 2024) — landing money in Dar es Salaam and upcountry, with LUKU TANESCO as the dominant bill-pay use case. What was scrapped on 1 October 2022 was the TRANSFER levy (bank↔wallet, inter-bank); the WITHDRAWAL levy at a mobile-money agent was kept, its maximum cut to TZS 2,000. Sending carries no levy. TCRA-mandated interoperability covers M-Pesa↔Mixx↔Airtel cross-network sends.
On pricing, here is how Airtel Money structures its fees. Sending is priced by band : flat TSh15 TSh200–TSh999; flat TSh30 TSh1,000–TSh2,999; flat TSh55 TSh3,000–TSh4,999; flat TSh130 TSh5,000–TSh9,999. Cash-out is priced by band : flat TSh175 TSh200–TSh999; flat TSh380 TSh1,000–TSh2,999; flat TSh620 TSh3,000–TSh4,999; flat TSh950 TSh5,000–TSh9,999. Receiving money is free; the cost sits at sending and at cashing out to physical cash.
Government levy. Tanzania applies a government levy (Mobile Money Withdrawal Levy ("tozo")) on top of the operator fee — it is already included in the calculator totals above.
How to use it. You manage Airtel Money 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 Airtel Money with the other operators in Tanzania for your exact amount, use the calculator at the top of this page or open the Tanzania page. Tariffs rendered from our database, verified in 2026.
Airtel Money vs Other Providers in Tanzania: Fee Comparison
Frequently Asked Questions
How much does Airtel Money charge to send money in Tanzania?
Airtel Money charges TSh15 per transfer in Tanzania.
What are the Airtel Money withdrawal fees in Tanzania?
Airtel Money withdrawal fees in Tanzania are TSh175 per transaction.
Is there a government levy on Airtel Money transactions in Tanzania?
Yes. Tanzania applies a Mobile Money Withdrawal Levy ("tozo") on mobile money transactions.
What is the Airtel Money USSD code in Tanzania?
Use the Airtel Money mobile app or visit an authorized agent in Tanzania.
Is Airtel Money the cheapest mobile money provider in Tanzania?
It depends on the amount. Use the MomoCalc calculator on the Tanzania page to compare all providers for your specific amount.
How much does a mobile money to bank transfer cost in Tanzania?
Wallet-to-bank runs over each operator's Pay Bank menu (M-Pesa Pay Bank *150*00#, Mixx by Yas → Bank, Airtel Money → Bank). You pay the operator's transfer fee — which already includes Tanzania's fiscal stack (10% excise + 18% VAT, a ~1.298× multiplier) — plus any fee the receiving bank charges. The menu shows the exact fee before you confirm; it varies by amount and bank.
What is the bank to mobile money fee in Tanzania?
Pulling money from a bank into the wallet (bank → mobile money) is typically free or low-cost to receive, and is initiated from the bank's own app or USSD; the bank may apply its own outbound fee. Confirm the exact charge in your bank's mobile-money transfer screen.
Does any tax apply to mobile money to bank transfers in Tanzania?
Tanzania's mobile-money fees carry a fiscal stack — a 10% excise duty plus 18% VAT on the fee (about a 1.298× multiplier on the base operator fee). It is built into the displayed transfer fee, so the figure the Pay Bank menu shows is already tax-inclusive.