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MTN vs Airtel: which mobile money charge is lower?
Side-by-side MTN MoMo and Airtel Money charges for the amounts Ugandans actually send and withdraw. Withdrawal totals include the 0.5% tax at that exact amount.
| Amount (UGX) | MTN send | Airtel send | Cheaper to send | MTN withdraw all-in | Airtel withdraw all-in | Cheaper to withdraw |
|---|---|---|---|---|---|---|
| 10,000 | 500 | 500 | Same | 750 | 750 | Same |
| 20,000 | 500 | 500 | Same | 980 | 980 | Same |
| 50,000 | 500 | 500 | Same | 1,750 | 1,750 | Same |
| 100,000 | 1,000 | 1,000 | Same | 2,425 | 2,425 | Same |
| 200,000 | 1,000 | 1,000 | Same | 4,575 | 4,575 | Same |
| 500,000 | 1,000 | 1,000 | Same | 9,500 | 9,500 | Same |
| 1,000,000 | 1,500 | 1,000 | Airtel | 17,500 | 17,500 | Same |
| 2,000,000 | 2,000 | 1,000 | Airtel | 25,000 | 22,500 | Airtel |
Below UGX 500,000 the published send and agent fees are the same shilling. The gap opens on larger cash-outs and on sends above UGX 500,000, where Airtel’s published cap is lower. Bill-payment menus are named differently, so compare those on the bill payment charges page rather than assuming the send fee applies.
Open the calculator for an amount that is not in this list.