Flooz (Moov Africa) Fees
🇹🇬 XOF (FCFA) · Including all taxes
Flooz (Moov Africa) is one of the leading mobile money services in Togo, serving millions of users. The operator charges no domestic send fee, but a government levy also applies. Note that Togo applies a government levy on mobile money transactions. Use the fee tables below to see all charges including government taxes.
How much does Flooz (Moov Africa) charge per transaction in 2026?
On Flooz (Moov Africa) in Togo, receiving is free. Sending money is free. Cashing out costs FCFA50 up to FCFA500, up to FCFA3,300 on larger amounts. A state tax also applies (Financial Activities Tax (TAF) on fees). Tariffs verified against the operator source (June 2026).
Flooz (Moov Africa) Send Money Fee Tiers in Togo
| Range | Fee |
|---|---|
| Free | Free Free up to the 3rd transfer/day (moov-africa.tg) |
Flooz (Moov Africa) Withdrawal (Cash-Out) Fee Tiers in Togo
| Range | Fee |
|---|---|
| FCFA1 - FCFA500 | FCFA50 |
| FCFA501 - FCFA1,000 | FCFA75 |
| FCFA1,001 - FCFA5,000 | FCFA100 |
| FCFA5,001 - FCFA15,000 | FCFA280 |
| FCFA15,001 - FCFA20,000 | FCFA320 |
| FCFA20,001 - FCFA50,000 | FCFA600 |
| FCFA50,001 - FCFA100,000 | FCFA1,000 |
| FCFA100,001+ | FCFA3,300 Above 100,000 F the fee steps up by band (about 3,300 to 9,800 F by amount) — see moov-africa.tg. |
Togo Mobile Money Levies & Taxes
Financial Activities Tax (TAF) on fees
Levy activeTogo applies a 10% TAF (financial activities tax) on the mobile money fee itself — not on the amount sent. In force since 1 January 2024, it replaced the previous 18% VAT on fees. The operator is liable and passes it through in the displayed fee, so a 100 FCFA fee costs 110 FCFA all-in. Providers: Mixx by Yas (formerly TMoney) and Flooz (Moov Africa).
Paid by sender
mobile money to Bank & Bank to mobile money: Transfer Fees
How much does a mobile money to bank transfer cost in Togo?
Togo's wallet-to-bank rail runs through Orabank's "Pass" service. Flooz (Moov) is tiered about 47 FCFA up to 5,000 and 280 FCFA up to 500,000 (Pass Money Flooz, via *155#→7→2→4). Mixx by Yas charges 1% of the amount, capped at 2M (Pass Mixx, via *145#→6→1→2).
Togo's wallet-to-bank rail runs through Orabank's "Pass" service. Flooz (Moov) is tiered about 47 FCFA up to 5,000 and 280 FCFA up to 500,000 (Pass Money Flooz, via *155#→7→2→4). Mixx by Yas charges 1% of the amount, capped at 2M (Pass Mixx, via *145#→6→1→2).
Bank-to-wallet via Orabank Pass: Flooz uses the same tiered ~47–466 FCFA grid; Mixx by Yas is a flat tier from 50 up to 2,200 FCFA by amount. Rails on banks other than Orabank are not published — check with your bank.
The Flooz (Pass Money Flooz) grid is from a June 2024 Orabank guide and may be dated; the Mixx (Pass Mixx) grid is from June 2025. The widely-reported "0 FCFA" Mixx promotion applies to wallet-to-WALLET transfers, not the bank rail. Verify the current fee in the USSD menu before sending.
Worked example: Pushing 100,000 FCFA from Mixx by Yas to an Orabank account costs about 1,000 FCFA (1%); the same on Flooz follows the ~140 FCFA band (up to 200,000). Bank-to-wallet on Mixx for 100,000 FCFA is a flat tier around 600 FCFA.
Source: Orabank "Pass Money Flooz" guide (PDF 20 June 2024) and "Pass Mixx" guide (PDF 26 June 2025); operator USSD. The Flooz grid may be dated — verify in the menu. Non-Orabank rails not published — check with provider. Verified 25 June 2026.
How to Send Money with Flooz (Moov Africa) in Togo
- Dial *155# — Open your phone's dialer and enter *155# on the Flooz (Moov Africa) SIM.
- Choose Send Money — Select Transfer / Send Money from the menu.
- Enter the recipient number — Type the recipient's mobile number, then confirm the name shown.
- Enter the amount — Enter the amount to send; any fee is displayed before you confirm.
- Confirm with your PIN — Enter your Flooz (Moov Africa) PIN to authorise; you get an SMS confirmation.
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About Flooz (Moov Africa) in Togo
Togo relies on T-Money (Togocom) and Moov Money / Flooz for mobile payments. A small but well-connected market, Togo uses mobile money for merchant payments as much as transfers; tariffs follow the usual CFA bands.
On pricing, here is how Flooz (Moov Africa) structures its fees. Sending is priced by band : free above FCFA1. Cash-out is priced by band : flat FCFA50 FCFA1–FCFA500; flat FCFA75 FCFA501–FCFA1,000; flat FCFA100 FCFA1,001–FCFA5,000; flat FCFA280 FCFA5,001–FCFA15,000. Receiving money is free; the cost sits at sending and at cashing out to physical cash.
Government levy. Togo applies a government levy (Financial Activities Tax (TAF) on fees) on top of the operator fee — it is already included in the calculator totals above.
How to use it. You manage Flooz (Moov Africa) 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 Flooz (Moov Africa) with the other operators in Togo for your exact amount, use the calculator at the top of this page or open the Togo page. Tariffs rendered from our database, verified in 2026.
Flooz (Moov Africa) vs Other Providers in Togo: Fee Comparison
Frequently Asked Questions
How much does Flooz (Moov Africa) charge to send money in Togo?
Flooz (Moov Africa) charges no domestic send fee in Togo, but a government levy also applies.
What are the Flooz (Moov Africa) withdrawal fees in Togo?
Flooz (Moov Africa) withdrawal fees in Togo are FCFA50 per transaction.
Is there a government levy on Flooz (Moov Africa) transactions in Togo?
Yes. Togo applies a Financial Activities Tax (TAF) on fees on mobile money transactions.
What is the Flooz (Moov Africa) USSD code in Togo?
Use the Flooz (Moov Africa) mobile app or visit an authorized agent in Togo.
Is Flooz (Moov Africa) the cheapest mobile money provider in Togo?
It depends on the amount. Use the MomoCalc calculator on the Togo page to compare all providers for your specific amount.
How much does a mobile money to bank transfer cost in Togo?
Togo's wallet-to-bank rail runs through Orabank's "Pass" service. Flooz (Moov) is tiered about 47 FCFA up to 5,000 and 280 FCFA up to 500,000 (Pass Money Flooz, via *155#→7→2→4). Mixx by Yas charges 1% of the amount, capped at 2M (Pass Mixx, via *145#→6→1→2).
What is the bank to mobile money fee in Togo?
Bank-to-wallet via Orabank Pass: Flooz uses the same tiered ~47–466 FCFA grid; Mixx by Yas is a flat tier from 50 up to 2,200 FCFA by amount. Rails on banks other than Orabank are not published — check with your bank.
Does any tax apply to mobile money to bank transfers in Togo?
The Flooz (Pass Money Flooz) grid is from a June 2024 Orabank guide and may be dated; the Mixx (Pass Mixx) grid is from June 2025. The widely-reported "0 FCFA" Mixx promotion applies to wallet-to-WALLET transfers, not the bank rail. Verify the current fee in the USSD menu before sending.