🇹🇿 Withdraw TSh100,000 in Tanzania: fees by provider

TSh100,000 is a common mid-size amount in Tanzania — roughly a week's market shopping or a LUKU top-up. Tanzania has a genuinely competitive field — Vodacom M-Pesa, Airtel Money and Mixx by Yas (rebranded from Tigo Pesa in 2024) — landing money in Dar es Salaam and upcountry, with LUKU TANESCO as the dominant bill-pay use case.

At this size we're mid-band: paying LUKU, a DAWASA water bill, or a supplier directly via Pay Bill avoids the withdraw + excise/VAT stack. At 0% effective, this is where comparing providers pays most — the relative gap between cheapest and priciest is wide around here.

At TSh100,000, this amount falls in a pricing band where a flat TSh3650 fee applies at the reference provider. The next band starts at TSh200,000, where pricing changes — worth knowing if your amount is near that threshold. At TSh 100,000 the typical destination is a recurring bill — rent, school, supplier, LUKU — where direct merchant pay via Pay Bill or Lipa Kwa Simu drops the all-in fee entirely. The fiscal stack (×1.298) on a withdraw at this size runs ~6-8% effective; direct pay takes it to 0.

This size sits in the flat TSh3650 TSh100,000–TSh199,999 band; the adjacent band is flat TSh5300 TSh200,000–TSh299,999. Full table on the Tanzania withdrawal charges page.

Mobile Money Withdrawal Levy: Tanzania charges a tiered government levy on cash withdrawals at agents and ATMs only — TZS 10 to TZS 4,000 per transaction, capped at TZS 4,000. P2P sends are levy-free since the original 2021 levy on transfers was eliminated. Note: operator fees are also subject to 10% excise duty and 18% VAT.