Mobile Money Comparison
Find the cheapest way to send or withdraw mobile money in Tanzania. Enter an amount and choose send or withdraw, and this tool compares the total fee across M-Pesa, Airtel Money, Mixx by Yas, T-Pesa and HaloPesa — highlighting the cheapest provider and how much you could save by switching.
Filed under Mobile Money
| Provider | Fee |
|---|---|
| T-Pesa (TTCL)Cheapest | TSh 500 |
| HaloPesa (Halotel) | TSh 580 |
| Airtel Money | TSh 680 |
| M-Pesa (Vodacom) | TSh 720 |
| Mixx by Yas | TSh 720 |
Fees are each operator’s published, tax-inclusive tariff (10% excise + 18% VAT already included). Tariffs last verified 8 September 2026 — confirm with your operator before relying on exact figures. For one provider’s full breakdown, use the fee calculator.
Tariffs last verified: 8 September 2026 — confirm with your operator before a large transaction.
- M-Pesa · 8 Sep 2026
- Airtel · 8 Sep 2026
- Mixx · 8 Sep 2026
- T-Pesa · 8 Sep 2026
- HaloPesa · 8 Sep 2026
Key facts
- Fees are tax-inclusive: the 10% excise duty and 18% VAT are already inside each operator's quoted fee.
- Cash withdrawals add the government withdrawal levy; sends do not.
- Rankings change at band boundaries, so a provider that wins at 50,000 TZS may lose at 50,001 TZS.
- Only Mixx by Yas publishes a tariff document this site can link; confirm the other four with the operator.
How mobile money fees compare
Each provider's charges are banded, and the figures recorded here already include the 10% excise duty and 18% VAT. This tool compares each provider's total — adding the government withdrawal levy for agent cash-out — then sorts so the cheapest is obvious. The potential saving is the gap between the cheapest and the most expensive provider. Only Mixx by Yas publishes its tariff as a document you can read; for the others, confirm the current charge with the provider before relying on a figure.
Compare each provider's published fee (tax-inclusive) + withdrawal levy for cash-out · Cheapest = lowest totalCheapest provider at common amounts
| Amount (TZS) | Direction | Cheapest | Cheapest fee | Most expensive | Saving |
|---|---|---|---|---|---|
| 5,000 | Send | T-Pesa | 100 | HaloPesa | 35 |
| 5,000 | Withdraw | T-Pesa | 904 | Mixx | 100 |
| 10,000 | Send | T-Pesa | 300 | Mixx | 60 |
| 10,000 | Withdraw | HaloPesa | 1,402 | Mixx | 150 |
| 50,000 | Send | T-Pesa | 500 | Mixx | 220 |
| 50,000 | Withdraw | HaloPesa | 3,073 | Mixx | 200 |
| 100,000 | Send | T-Pesa | 615 | Mixx | 385 |
| 100,000 | Withdraw | HaloPesa | 4,007 | Airtel | 500 |
| 500,000 | Send | T-Pesa | 1,250 | Mixx | 950 |
| 500,000 | Withdraw | HaloPesa | 7,245 | Mixx | 1,500 |
Mobile money comparison examples
Sending 50,000 TZS across the five networks
Fatuma, comparing what the same 50,000 TZS costs to send on each network.
Sending 50,000 TZS is cheapest on T-Pesa (500 TZS), HaloPesa 580, Airtel 680, M-Pesa 720 and Mixx 720 — switching away from the most expensive saves up to 220 TZS.
Withdrawing 50,000 TZS at an agent
Fatuma taking the same 50,000 TZS out as cash — a different ranking, because the levy applies.
Withdrawing 50,000 TZS at an agent is cheapest on HaloPesa (3,073 TZS), T-Pesa 3,123, M-Pesa 3,273, Airtel 3,273, Mixx 3,273 — switching away from the most expensive saves up to 200 TZS.
An amount that sits on a band boundary
Fatuma, checking whether rounding her transfer up changes what she pays.
Every tariff compared here is banded, so a send of 50,000 TZS and one of 50,001 TZS can sit in different bands and carry different charges even though the amounts are almost the same. That is why the ranking can change at a round number, and why the amount to enter is the one actually being sent rather than a rounded figure.
Mobile money comparison: assumptions and limits
What it assumes
- All five operators' recorded charges are compared for the same transaction, with excise duty and VAT already included, plus the withdrawal levy on cash-out.
- Those four carry the date they were last reviewed, because there is no published table to check them against; Mixx by Yas's own tariff guide is linked below.
- The comparison ranks on total cost for the amount entered; it takes no account of network coverage, agent availability or reliability.
- Each operator's published bands are treated as current on the date shown on the page, and no provider's price is assumed to move during the comparison.
Where the result does not apply
- The cheapest network for one amount is often not the cheapest for another, because each tariff has its own band boundaries.
- Does not include promotional rates, cashback, or charges levied by a bank or agent on top.
- Not a recommendation to switch: what a service costs is one factor among several in choosing one.
- It does not apply to a transaction above the highest band an operator publishes, because there is no recorded charge for that amount and the comparison would show nothing meaningful.
Mobile money comparison FAQs
Which mobile money provider is cheapest?
It depends on the amount and whether you're sending or withdrawing — T-Pesa and HaloPesa are often cheapest for sends, while HaloPesa and T-Pesa are often cheapest for withdrawals. Enter your exact amount above to see the current cheapest.
Do the compared fees include tax?
Yes. The fees shown are the published, tax-inclusive tariffs — the 10% excise duty and 18% VAT are already included. Agent withdrawals also add the government withdrawal levy.
Why does the cheapest provider change by amount?
Operators price in fixed amount bands, so the cheapest provider for 5,000 TZS can differ from the cheapest for 200,000 TZS. The comparison re-ranks automatically as you change the amount.
What's the difference from the fee calculator?
The fee calculator works out one provider's full breakdown for one amount. This comparison tool shows all five providers side by side for the same amount so you can pick the cheapest.
Does rounding the amount change which provider is cheapest?
It can, because charges step at band boundaries rather than rising smoothly. An amount just above a boundary can fall in the next band, so enter the exact figure you are sending and compare on that.
Which provider is cheapest for a withdrawal?
At the common amounts in the table, HaloPesa and T-Pesa are often lowest for cash-out, but the ranking changes with the band. Use your exact amount, because the levy and the operator fee both step.
Do the compared fees include the withdrawal levy?
Yes for withdrawals: the comparison adds the banded government levy to each operator's fee. For sends, the quoted fee already includes tax and no levy applies.
Results are estimates provided for information only and do not constitute financial, legal or tax advice. Consult a qualified professional before making financial decisions.
Delta Tech Solutions prepared this page. No external tax, accounting or legal professional reviewed it — the figures were checked against the sources listed above, and you should confirm anything you rely on with the authority that sets it.
Maintained by David M at Delta Tech Solutions · Figures last checked 10 October 2026 · Next check due 10 April 2027
Content updated 24 October 2026
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