🇹🇿 Withdraw TSh200,000 in Tanzania: fees by provider

TSh200,000 is a substantial sum in Tanzania — roughly a rent instalment or stock for a kiosk. 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 it's treasury: the wallet-to-bank route into CRDB / NMB / Stanbic / Equity Tanzania beats the agent withdraw — instant, no fiscal stack applied to the amount. The cheapest (Halo) is only 0% at this size — low in percentage terms, but the absolute amount makes the choice worth getting right.

At TSh200,000, this amount falls in a pricing band where a flat TSh5300 fee applies at the reference provider. The next band starts at TSh300,000, where pricing changes — worth knowing if your amount is near that threshold. At TSh 200,000 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 TSh5300 TSh200,000–TSh299,999 band; the adjacent band is flat TSh6500 TSh300,000–TSh399,999. 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.