MTN MoMo Charges in Rwanda 2026: Complete Fee Guide
Check current MTN MoMo charges in Rwanda, including money transfer, withdrawal, deposit, bank transfers, government payments and other fees.
MTN MoMo Charges in Rwanda 2026: Complete Fee Guide
If you use MTN Mobile Money in Rwanda, understanding the charges before sending or withdrawing money can help you avoid unexpected deductions from your balance.
MTN MoMo fees vary depending on the type and amount of transaction. Sending money to another MTN MoMo customer, sending money to another mobile network, withdrawing cash, paying certain services and transferring money to a bank can all have different charges.
In this guide, Fyndin explains the current published MTN MoMo charges in Rwanda, including transfer fees, withdrawal fees, deposit fees, bank transfers, government payments and other common transactions.
Quick Answer
MTN MoMo charges in Rwanda depend mainly on the transaction type and amount.
- Depositing money: Published consumer tariffs show no deposit fee.
- Sending RWF 1–1,000 to another MTN number: RWF 20.
- Sending RWF 1–1,000 to another network: RWF 100.
- Sending RWF 1,001–10,000 to another MTN number: RWF 100.
- Sending RWF 1,001–10,000 to another network: RWF 200.
- Cash withdrawal: Charges increase according to the amount withdrawn.
MTN's published tariff table contains additional transaction ranges, so check the applicable range before making a large transaction.
Table of Contents
- MTN MoMo Transfer Charges
- MTN MoMo Withdrawal Charges
- MTN MoMo Deposit Charges
- MTN MoMo Bank Transfer Charges
- Government Payment Charges
- Water Payment Charges
- School Fee Payment Charges
- Airtime and Electricity Charges
- MoMo Pay Charges
- International Remittance Charges
- MTN MoMo Fee Examples
- How to Avoid Unexpected MoMo Charges
- Frequently Asked Questions
MTN MoMo Transfer Charges in Rwanda
The cost of sending money depends on how much you send and whether the recipient is on MTN or another supported mobile network.
MTN's published consumer tariff separates transfers into P2P On-net and P2P Off-net.
| Amount Sent | MTN to MTN | MTN to Other Network |
|---|---|---|
| RWF 1 – 1,000 | RWF 20 | RWF 100 |
| RWF 1,001 – 10,000 | RWF 100 | RWF 200 |
| RWF 10,001 – 150,000 | RWF 250 | RWF 350 |
| RWF 150,001 – 2,000,000 | RWF 1,500 | RWF 1,600 |
| RWF 2,000,001 – 5,000,000 | RWF 3,000 | RWF 3,000 |
| RWF 5,000,001 – 10,000,000 | RWF 5,000 | RWF 5,000 |
For example, according to the published tariff, sending RWF 5,000 to another MTN number costs RWF 100, while sending the same amount to another supported network costs RWF 200.
For larger transfers, the fee increases according to the applicable transaction range.
MTN MoMo Withdrawal Charges in Rwanda
Cash withdrawals have different charges from sending money. The withdrawal fee increases as the amount withdrawn becomes larger.
| Withdrawal Amount | Withdrawal Fee |
|---|---|
| RWF 1 – 100 | RWF 50 |
| RWF 101 – 300 | RWF 50 |
| RWF 301 – 1,000 | RWF 100 |
| RWF 1,001 – 3,000 | RWF 200 |
| RWF 3,001 – 5,000 | RWF 250 |
| RWF 5,001 – 10,000 | RWF 275 |
| RWF 10,001 – 20,000 | RWF 350 |
| RWF 20,001 – 40,000 | RWF 600 |
| RWF 40,001 – 75,000 | RWF 1,100 |
| RWF 75,001 – 150,000 | RWF 2,000 |
| RWF 150,001 – 300,000 | RWF 3,000 |
| RWF 300,001 – 500,000 | RWF 6,000 |
| RWF 500,001 – 1,000,000 | RWF 9,000 |
| RWF 1,000,001 – 2,000,000 | RWF 17,000 |
| RWF 2,000,001 – 5,000,000 | RWF 25,000 |
| RWF 5,000,001 – 8,000,000 | RWF 30,000 |
| RWF 8,000,001 – 10,000,000 | RWF 35,000 |
These are the withdrawal ranges published by MTN Rwanda. Always confirm the fee displayed during the transaction before approving a large cash-out.
MTN MoMo Deposit Charges
Depositing money into an MTN MoMo wallet is listed as free in MTN Rwanda's published consumer tariff.
This means the published deposit fee is RWF 0 across the listed deposit ranges.
However, the amount you receive and the transaction confirmation should always be checked after completing a cash-in.
MTN MoMo Bank Transfer Charges
MTN MoMo also supports transfers between MoMo and bank accounts.
The published tariff distinguishes between linked accounts and unlinked bank accounts.
Push from MoMo to a bank
Transfers to linked bank accounts and Zigama accounts are listed as free. Transfers to unlinked bank accounts have charges based on the amount.
| Amount | Unlinked Bank Fee |
|---|---|
| RWF 5,000 – 40,000 | RWF 500 |
| RWF 40,001 – 300,000 | RWF 1,000 |
| RWF 300,001 – 2,000,000 | RWF 2,500 |
| RWF 2,000,001 – 5,000,000 | RWF 5,000 |
| RWF 5,000,001 – 10,000,000 | RWF 10,000 |
Pull from a bank to MoMo
For linked and Zigama accounts, the published tariff lists the service as free. Unlinked accounts have charges that depend on the amount transferred.
MTN MoMo Government Payment Charges
Government payments are another important use of mobile money in Rwanda.
MTN's published tariff lists RWF 0 for non-fiscal government payments for transactions from RWF 100 up to RWF 2,000,000.
Fiscal tax payments have a separate fee structure.
| Tax Payment Amount | Fee |
|---|---|
| RWF 100 – 999 | RWF 30 |
| RWF 1,000 – 5,000 | RWF 100 |
| RWF 5,001 – 40,000 | RWF 600 |
| RWF 40,001 – 300,000 | RWF 1,500 |
| RWF 300,001 – 2,000,000 | RWF 5,000 |
| RWF 2,000,001 – 10,000,000 | RWF 5,000 |
MTN MoMo Water Payment Charges
The published MTN Rwanda tariff lists a RWF 300 fee for water payments between RWF 100 and RWF 1,000,000.
If you regularly pay utility bills through MoMo, check the transaction screen before confirming the payment.
MTN MoMo School Fee Payment Charges
MTN's published consumer tariff lists a RWF 600 fee for school fee payments from RWF 300 up to RWF 2,000,000.
The applicable charge can therefore be different from the fee for an ordinary person-to-person transfer.
MTN MoMo Airtime and Electricity Charges
Buying airtime through MTN MoMo is listed as free in the published consumer tariff.
Prepaid electricity purchases are also listed as free.
This makes MoMo convenient for customers who want to purchase airtime or electricity without paying an additional MoMo transaction fee.
Does MTN MoMo Charge Customers for MoMo Pay?
MTN Rwanda states that the MoMo Pay fee is paid by the merchant rather than the customer.
MTN's MoMo Pay information also states that customers are not required to make an extra payment for the MoMo Pay fee.
This is different from some person-to-person transactions where the sender pays a transfer charge.
MTN MoMo International Remittance Charges
MTN Rwanda also publishes a separate tariff for outbound remittance transactions.
The published charges start at RWF 120 for transfers between RWF 1,000 and RWF 3,000, with higher fees applying to larger amounts.
| Amount | Outbound Fee |
|---|---|
| RWF 1,000 – 3,000 | RWF 120 |
| RWF 3,001 – 5,000 | RWF 240 |
| RWF 5,001 – 10,000 | RWF 280 |
| RWF 10,001 – 20,000 | RWF 400 |
| RWF 20,001 – 40,000 | RWF 800 |
| RWF 40,001 – 75,000 | RWF 1,200 |
| RWF 75,001 – 150,000 | RWF 2,000 |
| RWF 150,001 – 300,000 | RWF 3,200 |
| RWF 300,001 – 500,000 | RWF 4,800 |
| RWF 500,001 – 1,000,000 | RWF 8,000 |
| RWF 1,000,001 – 2,000,000 | RWF 14,000 |
MTN lists supported destinations separately, so customers should check whether the country they want to send money to is supported before initiating an international transfer.
MTN MoMo Charge Examples
Here are a few simple examples based on MTN Rwanda's published consumer tariff:
- Send RWF 1,000 to another MTN number → RWF 20.
- Send RWF 1,000 to another supported network → RWF 100.
- Send RWF 5,000 to another MTN number → RWF 100.
- Send RWF 5,000 to another supported network → RWF 200.
- Withdraw RWF 5,000 → RWF 250.
- Withdraw RWF 50,000 → RWF 1,100.
- Deposit money into MoMo → RWF 0 published deposit fee.
These examples are useful for understanding how the tariff works, but the actual transaction confirmation should always be checked before approving a payment.
How to Avoid Unexpected MTN MoMo Charges
1. Check the amount before confirming
Always make sure you have entered the correct amount and recipient before confirming a transaction.
2. Know whether the recipient is on MTN or another network
The transfer fee can be different depending on the recipient's network.
3. Check the transaction type
A bank transfer, withdrawal, school payment, government payment and person-to-person transfer may have different charges.
4. Keep enough balance for the fee
If you want to send a specific amount to another person, remember that the transaction fee may be deducted in addition to the amount being sent.
5. Keep your confirmation messages
Save important MoMo transaction confirmations, especially when sending large amounts or paying bills.
6. Check MTN's official tariff before large transactions
Mobile-money tariffs can change. For large transactions, check the latest tariff published by MTN Rwanda rather than relying on an old screenshot or social-media post.
Are MTN MoMo Charges the Same for Every Transaction?
No. There is no single MoMo fee for every transaction.
The charge can depend on:
- The amount being transferred
- Whether the recipient is on MTN or another network
- Whether you are depositing or withdrawing
- Whether you are transferring money to a bank
- The type of bill or service being paid
- Whether the transaction is domestic or international
That is why checking the specific tariff category is more useful than looking for one general "MTN MoMo charge."
Frequently Asked Questions
How much does MTN charge to send RWF 1,000?
MTN Rwanda's published consumer tariff lists RWF 20 when sending RWF 1,000 to another MTN number and RWF 100 when sending RWF 1,000 to another supported network.
How much does it cost to withdraw RWF 10,000 from MTN MoMo?
The published withdrawal tariff lists a RWF 275 fee for withdrawing an amount between RWF 5,001 and RWF 10,000.
Is depositing money on MTN MoMo free?
Yes. MTN Rwanda's published consumer tariff lists deposit fees as RWF 0.
How much does it cost to send RWF 5,000 on MTN MoMo?
Sending RWF 5,000 to another MTN number is listed at RWF 100. Sending the same amount to another supported network is listed at RWF 200.
Does MTN MoMo charge for buying airtime?
MTN's published consumer tariff lists airtime purchases as free.
Does MTN MoMo charge for electricity payments?
MTN's published tariff lists prepaid electricity purchases as free.
How much does MTN charge for government payments?
For non-fiscal government payments, MTN's published tariff lists no fee for transactions from RWF 100 to RWF 2,000,000. Fiscal tax payments have separate charges.
Does the customer pay the MoMo Pay merchant fee?
No. MTN Rwanda states that the MoMo Pay fee is paid by the merchant and that customers are not required to make an extra payment for that fee.
Can MTN MoMo fees change?
Yes. Mobile-money tariffs can be updated. Always check MTN Rwanda's current published tariff before making a transaction where the exact fee matters.
Final Thoughts
MTN MoMo is widely used in Rwanda for sending money, withdrawing cash, paying bills and making other everyday transactions. However, the cost depends on what you are doing and how much money you are transacting.
The most important figures to remember are that published MTN tariffs show free deposits, different transfer charges for MTN and other networks, and withdrawal fees that increase with the amount withdrawn.
Before making a large transaction, check the current fee displayed by MTN and confirm the recipient and amount carefully.
Related Fyndin Guides
- How to Open a Bank Account in Rwanda 2026
- How to Send Money Using MTN MoMo in Rwanda
- How to Reverse a Wrong MTN MoMo Transaction in Rwanda
- How to Check MTN MoMo Transaction History
- How to Send Money From MTN MoMo to Airtel Money
Official Source
For the latest MTN MoMo tariff information, check the official MTN Rwanda tariff page before publishing or updating fee figures.
Last reviewed: September 2026
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