M-Pesa (Vodacom) Charges in Tanzania
🇹🇿 TZS (TSh) · Including all taxes
M-Pesa (Vodacom) is one of the leading mobile money services in Tanzania, serving millions of users. Send fees are TSh25 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.
How much does M-Pesa (Vodacom) charge in Tanzania in 2026?
On M-Pesa (Vodacom) in Tanzania, receiving is free. Sending money costs TSh25 TSh200–TSh499, up to TSh7,531 on larger amounts. Cashing out costs TSh175 TSh200–TSh999, up to TSh10,000 on larger amounts. A state tax also applies (Mobile Money Withdrawal Levy ("tozo")). Tariffs verified against the operator source (June 2026).
M-Pesa (Vodacom) Send Money Fee Tiers in Tanzania
| Range | Fee |
|---|---|
| TSh200 - TSh499 | TSh25 TZS 25 (TZS 15 + TZS 10 govt levy) |
| TSh2,000 - TSh2,999 | TSh61 TZS 61 (TZS 30 + TZS 31) |
| TSh3,000 - TSh3,999 | TSh92 TZS 92 (TZS 50 + TZS 42) |
| TSh20,000 - TSh29,999 | TSh583 TZS 583 (TZS 380 + TZS 203) |
| TSh40,000 - TSh49,999 | TSh714 TZS 714 (TZS 410 + TZS 304) |
| TSh50,000 - TSh99,999 | TSh1,293 TZS 1,293 (TZS 720 + TZS 573) |
| TSh100,000 - TSh199,999 | TSh1,707 TZS 1,707 (TZS 1,000 + TZS 707) |
| TSh200,000 - TSh299,999 | TSh1,907 TZS 1,907 (TZS 1,200 + TZS 707) |
| TSh300,000 - TSh399,999 | TSh2,510 TZS 2,510 (TZS 1,500 + TZS 1,010) |
| TSh400,000 - TSh499,999 | TSh2,510 TZS 2,510 (TZS 1,500 + TZS 1,010) |
| TSh500,000 - TSh599,999 | TSh3,717 TZS 3,717 (TZS 2,200 + TZS 1,517) |
| TSh600,000 - TSh699,999 | TSh4,817 TZS 4,817 (TZS 3,300 + TZS 1,517) |
| TSh700,000 - TSh799,999 | TSh5,324 TZS 5,324 (TZS 3,300 + TZS 2,024) |
| TSh800,000 - TSh899,999 | TSh5,524 TZS 5,524 (TZS 3,500 + TZS 2,024) |
| TSh900,000 - TSh1,000,000 | TSh5,524 TZS 5,524 (TZS 3,500 + TZS 2,024) |
| TSh1,000,001+ | TSh7,531 TZS 7,531 (TZS 5,000 + TZS 2,531) |
M-Pesa (Vodacom) Withdrawal (Cash-Out) Fee Tiers in Tanzania
| Range | Fee |
|---|---|
| TSh200 - TSh999 | TSh175 TZS 175 |
| TSh1,000 - TSh1,999 | TSh350 TZS 350 |
| TSh2,000 - TSh2,999 | TSh400 TZS 400 |
| TSh3,000 - TSh3,999 | TSh600 TZS 600 |
| TSh4,000 - TSh4,999 | TSh650 TZS 650 |
| TSh5,000 - TSh6,999 | TSh950 TZS 950 |
| TSh7,000 - TSh9,999 | TSh1,000 TZS 1,000 |
| TSh10,000 - TSh14,999 | TSh1,450 TZS 1,450 |
| TSh15,000 - TSh19,999 | TSh1,450 TZS 1,450 |
| TSh20,000 - TSh29,999 | TSh1,850 TZS 1,850 |
| TSh30,000 - TSh39,999 | TSh1,850 TZS 1,850 |
| TSh40,000 - TSh49,999 | TSh2,350 TZS 2,350 |
| TSh50,000 - TSh99,999 | TSh2,700 TZS 2,700 |
| TSh100,000 - TSh199,999 | TSh3,650 TZS 3,650 |
| TSh200,000 - TSh299,999 | TSh5,300 TZS 5,300 |
| TSh300,000 - TSh399,999 | TSh6,500 TZS 6,500 |
| TSh400,000 - TSh499,999 | TSh7,000 TZS 7,000 |
| TSh500,000 - TSh599,999 | TSh7,500 TZS 7,500 |
| TSh600,000 - TSh999,999 | TSh8,000 TZS 8,000 |
| TSh1,000,000 - TSh3,000,000 | TSh8,000 TZS 8,000 |
| TSh3,000,001+ | TSh10,000 TZS 10,000 |
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 M-Pesa (Vodacom) 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 M-Pesa (Vodacom) structures its fees. Sending is priced by band : flat TSh25 TSh200–TSh499; flat TSh61 TSh2,000–TSh2,999; flat TSh92 TSh3,000–TSh3,999; flat TSh583 TSh20,000–TSh29,999. Cash-out is priced by band : flat TSh175 TSh200–TSh999; flat TSh350 TSh1,000–TSh1,999; flat TSh400 TSh2,000–TSh2,999; flat TSh600 TSh3,000–TSh3,999. 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 M-Pesa (Vodacom) 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 M-Pesa (Vodacom) 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.
M-Pesa (Vodacom) vs Other Providers in Tanzania: Fee Comparison
Frequently Asked Questions
How much does M-Pesa (Vodacom) charge to send money in Tanzania?
M-Pesa (Vodacom) charges TSh25 per transfer in Tanzania.
What are the M-Pesa (Vodacom) withdrawal fees in Tanzania?
M-Pesa (Vodacom) withdrawal fees in Tanzania are TSh175 per transaction.
Is there a government levy on M-Pesa (Vodacom) transactions in Tanzania?
Yes. Tanzania applies a Mobile Money Withdrawal Levy ("tozo") on mobile money transactions.
What is the M-Pesa (Vodacom) USSD code in Tanzania?
Use the M-Pesa (Vodacom) mobile app or visit an authorized agent in Tanzania.
Is M-Pesa (Vodacom) 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.