Tanzania Mobile Money Charges Calculator: M-Pesa, Mixx and HaloPesa
Type an amount to see what Vodacom M-Pesa, Mixx by Yas (formerly Tigo Pesa) and Halotel's HaloPesa charge to send money or cash out at an agent in Tanzania, using each provider's current tariff sheet.
Rates checked 9 Nov 2026 against official sources (listed below).
M-Pesa to M-Pesa customer
TZS 350
M-Pesa to other network
TZS 495
M-Pesa to bank account
TZS 1,000
Mixx by Yas to Yas customer
TZS 360
Mixx by Yas to other network
TZS 495
Mixx by Yas to bank account
TZS 2,000
M-Pesa or Mixx: cash out at an agent (fee + levy)
TZS 1,552
HaloPesa to HaloPesa customer
TZS 330
HaloPesa to other network
TZS 480
HaloPesa: cash out at an agent (fee + levy)
TZS 1,402
| Amount (TZS) | M-Pesa to M-Pesa customer | M-Pesa to other network | M-Pesa to bank account | Mixx by Yas to Yas customer | Mixx by Yas to other network | Mixx by Yas to bank account | M-Pesa or Mixx: cash out at an agent (fee + levy) | HaloPesa to HaloPesa customer | HaloPesa to other network | HaloPesa: cash out at an agent (fee + levy) |
|---|---|---|---|---|---|---|---|---|---|---|
| 0 – 999 | 10 | 15 | 10 | 15 | 15 | — | 185 | 10 | 10 | — |
| 1,000 – 1,999 | 30 | 35 | 50 | 30 | 45 | 400 | 360 | 25 | 40 | 310 |
| 2,000 – 2,999 | 30 | 45 | 70 | 30 | 45 | 400 | 410 | 25 | 40 | 340 |
| 3,000 – 3,999 | 50 | 68 | 100 | 50 | 90 | 600 | 614 | 50 | 80 | 454 |
| 4,000 – 4,999 | 60 | 81 | 200 | 60 | 90 | 600 | 677 | 60 | 85 | 627 |
| 5,000 – 6,999 | 130 | 180 | 450 | 130 | 180 | 800 | 1,004 | 130 | 178 | 899 |
| 7,000 – 9,999 | 150 | 180 | 700 | 150 | 180 | 1,500 | 1,056 | 140 | 180 | 956 |
| 10,000 – 14,999 | 350 | 495 | 1,000 | 360 | 495 | 2,000 | 1,552 | 330 | 480 | 1,402 |
| 15,000 – 19,999 | 360 | 495 | 1,000 | 360 | 495 | 2,000 | 1,645 | 340 | 490 | 1,595 |
| 20,000 – 29,999 | 380 | 540 | 1,000 | 380 | 540 | 2,000 | 2,156 | 360 | 520 | 1,956 |
| 30,000 – 39,999 | 400 | 612 | 1,600 | 400 | 612 | 2,500 | 2,201 | 370 | 600 | 2,151 |
| 40,000 – 49,999 | 410 | 675 | 2,000 | 410 | 675 | 3,000 | 2,769 | 380 | 648 | 2,519 |
| 50,000 – 99,999 | 720 | 1,125 | 2,500 | 720 | 1,125 | 5,000 | 3,273 | 580 | 900 | 3,073 |
| 100,000 – 199,999 | 1,000 | 1,440 | 3,500 | 1,000 | 1,440 | 6,000 | 4,357 | 700 | 1,350 | 4,007 |
| 200,000 – 299,999 | 1,200 | 1,710 | 4,000 | 1,200 | 1,710 | 6,500 | 6,121 | 750 | 1,620 | 5,321 |
| 300,000 – 399,999 | 1,500 | 2,070 | 4,200 | 1,500 | 2,070 | 6,500 | 7,338 | 950 | 1,800 | 6,338 |
| 400,000 – 499,999 | 1,500 | 2,250 | 4,500 | 1,500 | 2,250 | 7,000 | 7,932 | 1,200 | 1,980 | 6,982 |
| 500,000 – 599,999 | 2,200 | 2,880 | 5,000 | 2,200 | 2,880 | 7,500 | 8,745 | 1,300 | 2,520 | 7,645 |
| 600,000 – 699,999 | 3,300 | 3,870 | 5,000 | 3,300 | 3,870 | 7,500 | 9,532 | 1,400 | 2,880 | 8,532 |
| 700,000 – 799,999 | 3,300 | 3,870 | 5,000 | 3,300 | 3,870 | 7,500 | 9,700 | 1,400 | 2,880 | 8,700 |
| 800,000 – 899,999 | 3,500 | 3,870 | 5,000 | 3,500 | 3,870 | 7,500 | 9,750 | 1,750 | 3,150 | 9,250 |
| 900,000 – 1,000,000 | 3,500 | 5,400 | 5,000 | 3,500 | 5,400 | 8,000 | 9,776 | 1,750 | 3,150 | 9,276 |
| 1,000,001 – 3,000,000 | 4,800 | 5,400 | 5,000 | 5,000 | 5,400 | 8,000 | 9,875 | 3,000 | 3,600 | 9,375 |
| 3,000,001 – 10,000,000 | 4,800 | 5,400 | 5,000 | 5,000 | 5,400 | 8,000 | 12,000 | 3,000 | 4,500 | 9,500 |
Sending fees are Vodacom M-Pesa's, Mixx by Yas's and HaloPesa's own published customer tariffs (M-Pesa and Mixx checked October 2026, HaloPesa's tariff dated 31 October 2026). Cash-out figures are the total you pay: the provider's fee plus the government mobile money levy. M-Pesa and Mixx by Yas charge the same total in every band we checked; HaloPesa charges less. HaloPesa lists no cash-out fee below TZS 1,000. Airtel Money Tanzania isn't included: it doesn't publish a public tariff table, so check the fee its *150*60# menu shows before you confirm. The top band (over TZS 3,000,000) is shown up to TZS 10,000,000, the per-transaction cap for a fully verified (Tier 3) M-Pesa wallet; receiving money is always free.
The full explanation, with worked examples and what to watch for: M-Pesa Tanzania Charges: Withdrawal Fees, Reversals and Sending to Kenya
How Tanzania's mobile money charges work
Vodacom M-Pesa, Mixx by Yas and HaloPesa charge for sending money in bands: the more you send, the higher the flat fee, but the smaller it is as a share of the amount. Cashing out at an agent always costs more than sending, because a government mobile money levy is added to the provider's own fee. It ranges from TZS 10 on small withdrawals to TZS 2,000 on withdrawals over TZS 3 million, and it's built into all three providers' current tariff sheets.
A few ways to pay less:
- Send, don't withdraw, when you can. Cashing out TZS 100,000 costs TZS 4,357 on M-Pesa or Mixx, more than four times the TZS 1,000 it costs to send the same amount to another wallet on the same network.
- HaloPesa is cheapest to cash out. The same TZS 100,000 withdrawal costs TZS 4,007 on HaloPesa, and TZS 10,000 costs TZS 1,402 against TZS 1,552.
- Compare before sending to a bank account. Mixx by Yas charges noticeably more than M-Pesa to send money to a bank account at most amounts: TZS 6,000 against M-Pesa's TZS 3,500 at TZS 100,000, for example.
- Airtel Money doesn't publish a public tariff table. Always check the fee Airtel's menu shows you, dialled on 15060#, before you confirm.
Frequently asked questions
How much does it cost to send TZS 10,000 on M-Pesa Tanzania?
TZS 350 to another M-Pesa customer, TZS 495 to a customer on another network, or TZS 1,000 straight into a bank account, on Vodacom's current tariff, checked October 2026.
Does Mixx by Yas charge the same fees as M-Pesa Tanzania?
Sending fees are close but not the same: TZS 360 to send TZS 10,000 on Mixx by Yas, against TZS 350 on M-Pesa. Cashing out costs the same on both. In every band we checked against both providers' tariff sheets, the total cost to withdraw was identical.
Is HaloPesa cheaper than M-Pesa?
To cash out, yes: HaloPesa's total (fee plus levy) is lower in every band, by TZS 50 to TZS 2,500 depending on the amount, on Halotel's tariff dated 31 October 2026. Sending is close: HaloPesa is cheaper at most amounts (TZS 330 to send TZS 10,000 to another HaloPesa user, against TZS 350 on M-Pesa), but slightly dearer for sends of TZS 1,000 to 4,999 to other networks.
Why is withdrawing more expensive than sending the same amount?
Withdrawals carry Tanzania's mobile money levy on top of the provider's own fee; sending doesn't. That's why cashing out TZS 100,000 costs TZS 4,357 in total, while sending the same amount to another M-Pesa wallet costs only TZS 1,000.
What's the most I can send or withdraw at once?
Your KYC tier sets the cap: a basic (Tier 1) wallet can move up to TZS 1,000,000 a day, rising to TZS 50,000,000 a day on a fully verified (Tier 3) wallet with a TIN and business licence, under the limits Vodacom publishes for M-Pesa.
Why doesn't this calculator include Airtel Money?
Airtel Tanzania doesn't publish an official tariff poster like Vodacom and Yas do, so any figure we showed could go out of date without warning. Airtel's own 15060# menu shows the exact fee before you confirm, so check there instead.
How often do these fees change?
Vodacom last updated its M-Pesa tariff on 1 July 2025. Mixx by Yas's page carries no change date, and HaloPesa's tariff is dated 31 October 2026. All three were checked in October or November 2026, but always confirm the figure the app or USSD menu shows before you send.
Free monthly email
Hear when these rates change
Charges, tax bands and savings rates change without warning. Our monthly email tells you what moved and which calculators we've updated. Join 250+ readers.