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Mobile Money Fees in Zambia
MTN, Airtel, Zamtel - including all government levies. Updated April 2026.
How much does it cost to send money via mobile money in Zambia?
In Zambia, mobile money fees vary by operator (MTN, Airtel, Zamtel) and amount band. Use the calculator below for the exact cost in ZMW, including government levies. Typical fees range from flat unit amounts to a percentage of the transfer; withdrawals usually add a separate charge.
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| Provider | Send | Withdraw | Levy | Total |
|---|---|---|---|---|
MTNMTN | K0.80 | K7.50 | K0.50 | K1.30 |
AIRAirtelCheapest | Free | K7.00 | K0.50 | K0.50 |
ZAMZamtel | K0.80 | K6.00 | K0.50 | K1.30 |
Fees shown for K500 ZMW. Use the calculator above for your exact amount.
Provider Details
MTN
MTN MoMo
Zambia · ZMW
Send money fees
| Free tier | Free |
| K150.01-K300 | K0.5 |
| K300.01-K600 | K0.8 |
| K600.01-K1,200 | K1 |
Withdrawal fees
| K1-K50 | K3 |
| K50.01-K500 | K7.5 |
| K500.01-K1,500 | K15 |
| K1,500.01-K3,000 | K25 |
AIR
Airtel Money
Zambia · ZMW
Send money fees
| Free tier | Free |
Withdrawal fees
| K1-K50 | K3 |
| K50.01-K500 | K7 |
| K500.01-K1,500 | K15 |
| K1,500.01-K3,000 | K25 |
ZAM
Zamtel Kwacha
Zambia · ZMW
Send money fees
| Free tier | Free |
| K150.01-K300 | K0.5 |
| K300.01-K600 | K0.8 |
| K600.01-K1,200 | K1 |
Withdrawal fees
| K1-K50 | K2.5 |
| K50.01-K500 | K6 |
| K500.01-K1,500 | K12 |
| K1,500.01-K3,000 | K22 |
Exchange Rates
Livevs ZMW (Zambian Kwacha)
Updated Jun 25, 15:00 UTCAll rates →
Government Levies & Taxes
!
Mobile Money Transaction Levy
Levy activeZambia's Mobile Money Transaction Levy Act No. 25 of 2024 (effective January 2025). A sliding scale from 0.04% to 0.21% of the transaction value, applied on top of provider fees. Paid by the sender.
Rate
0.1%
Applies to
Send & withdraw
Paid by
Sender
Fee data last verified April 2026. Always confirm with your provider before large transactions.
Frequently Asked Questions
Is there a mobile money tax in Zambia?
Yes. Zambia's Mobile Money Transaction Levy Act No. 25 of 2024, effective January 2025, imposes a sliding scale levy of 0.04% to 0.21% on all mobile money transactions.
Which is the cheapest mobile money provider in Zambia?
MTN MoMo offers free on-net transfers up to K150. Airtel Money is free on-net up to K20,000.
What are the mobile money providers in Zambia?
The main mobile money providers in Zambia are MTN MoMo, Airtel Money, Zamtel Kwacha. Use our calculator above to compare fees across all providers.
Which is the cheapest mobile money provider in Zambia?
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 Zambia?
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.