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.
| 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
How it works
Every provider publishes its own banded fee, which already includes the 10% excise duty and 18% VAT. This tool compares each provider's total fee — 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.
Compare each provider's published fee (tax-inclusive) + withdrawal levy for cash-out · Cheapest = lowest totalWorked examples
Send example
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.
Withdraw example
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.
Frequently asked questions
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.
Results are estimates provided for information only and do not constitute financial, legal or tax advice. Consult a qualified professional before making financial decisions.
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