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🇹🇿 Withdraw TSh5,000 in Tanzania: fees by provider

To withdraw TSh5,000 in Tanzania, Halo is free, while the others charge up to TSh950.00. So the cheapest is Free and the most expensive TSh950.00.

Cheapest to withdraw TSh5,000
Free· Halo
up to TSh950.00 at the priciest provider
The cost of withdrawing TSh5,000

TSh5,000 is one of the smallest amounts people move in Tanzania — roughly a daladala commute and lunch. 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, Tanzania's fiscal stack (×1.298 on the operator fee) bites hardest in relative terms — Lipa Kwa Simu to the merchant till sidesteps the whole stack. At an effective 0% on the cheapest option (Halo), the fixed part bites hardest here — batching small sends or keeping the balance on the wallet saves the most.

At TSh5,000, this amount falls in a pricing band where a flat TSh950 fee applies at the reference provider. The next band starts at TSh7,000, where pricing changes — worth knowing if your amount is near that threshold. At this size (TSh 5,000), the win is Lipa Kwa Simu: paying the merchant's till directly from the wallet — a daladala fare, LUKU, a meal — costs zero on the customer side (the merchant carries the acceptance fee), versus withdrawing then paying cash where the ×1.298 stack (10% excise + 18% VAT) layers on the operator fee.

This size sits in the flat TSh950 TSh5,000–TSh6,999 band; the adjacent band is flat TSh1000 TSh7,000–TSh9,999. 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.

Compare all providers for TSh5,000

ProviderFeeLevyTotal
HALHaloCheapest
FreeNoneFree
MPSM-Pesa
TSh950.00NoneTSh950.00
AIRAirtel
TSh950.00NoneTSh950.00
MXXMixx by Yas
TSh950.00NoneTSh950.00

Indicative verified fees; any applicable government levy is included in the total.

Other amounts in Tanzania

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Frequently Asked Questions

How much does it cost to withdraw TSh5,000 in Tanzania?
Between Free and TSh950.00 depending on the provider. The cheapest is Halo at Free; compare the table above.
Which provider is cheapest to withdraw TSh5,000?
Halo at Free. Fees rise to TSh950.00 at the others — see the comparison table.
Is withdrawing TSh5,000 free in Tanzania?
Yes with Halo; the others charge up to TSh950.00.
Is there a government tax on withdrawing TSh5,000 in Tanzania?
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.