🇹🇬
Mobile Money Fees in Togo
TMoney, Flooz, Gozem — including all government levies. Updated April 2026.
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FCFAXOF
Compare Providers
| Provider | Send | Withdraw | Levy | Total |
|---|---|---|---|---|
TMTMoney | FCFA50.00 | FCFA75.00 | FCFA5.00 | FCFA55.00 |
FLFlooz | FCFA50.00 | FCFA75.00 | FCFA5.00 | FCFA55.00 |
GOGozemCheapest | Free | Free | None | Free |
Fees shown for FCFA5,000 XOF. Use the calculator above for your exact amount.
Provider Details
TM
TMoney (Mixx by Yas)
Togo · XOF
Send money fees
| FCFA1-FCFA500 | FCFA10 |
| FCFA501-FCFA2,000 | FCFA25 |
| FCFA2,001-FCFA5,000 | FCFA50 |
| FCFA5,001-FCFA10,000 | FCFA100 |
Withdrawal fees
| FCFA1-FCFA500 | FCFA15 |
| FCFA501-FCFA2,000 | FCFA30 |
| FCFA2,001-FCFA5,000 | FCFA75 |
| FCFA5,001-FCFA10,000 | FCFA150 |
FL
Flooz (Moov Africa)
Togo · XOF
Send money fees
| FCFA1-FCFA500 | FCFA10 |
| FCFA501-FCFA2,000 | FCFA25 |
| FCFA2,001-FCFA5,000 | FCFA50 |
| FCFA5,001-FCFA10,000 | FCFA100 |
Withdrawal fees
| FCFA1-FCFA500 | FCFA15 |
| FCFA501-FCFA2,000 | FCFA30 |
| FCFA2,001-FCFA5,000 | FCFA75 |
| FCFA5,001-FCFA10,000 | FCFA150 |
Exchange Rates
Live
vs XOF (West African CFA Franc)
Fixed peg: 1 EUR = 655.957 XOF (BCEAO/BEAC).
Updated Jun 3, 00:00 UTCAll rates →
Government Levies & Taxes
!
10% Fee Tax
Levy activeTogo applies a 10% government tax on the transaction fee itself — NOT on the transfer amount. Reduced from 18% in January 2024.
Rate
10% on fee
Applies to
Send & withdraw
Paid by
Sender
Effective since 2024-01-01
Fee data last verified April 2026. Always confirm with your provider before large transactions.
Frequently Asked Questions
What is the mobile money tax in Togo?
Togo applies a 10% tax on the transaction fee (not on the amount sent). Reduced from 18% in January 2024. A TMoney fee of FCFA 100 becomes FCFA 110 total after tax.
Which mobile money providers operate in Togo?
The main options are TMoney (Mixx by Yas) and Flooz (Moov Africa), with roughly 60% and 40% market share. Gozem Money also launched in October 2025 with a claim of 5× lower withdrawal fees.
What are the mobile money providers in Togo?
The main mobile money providers in Togo are TMoney (Mixx by Yas), Flooz (Moov Africa), Gozem Money. Use our calculator above to compare fees across all providers.
Which is the cheapest mobile money provider in Togo?
The cheapest provider depends on the amount. Use our fee calculator to compare all providers side by side for your specific amount.
How do I avoid paying high mobile money fees in Togo?
Tips: 1) Compare providers using MomoCalc before sending. 2) Use the provider's app instead of an agent. 3) Send larger amounts less frequently. 4) Know the official fees so agents can't overcharge.