Mobile money fees calculator Zambia 2026

Send money K500 on MTN MoMo

K0.80

government levy only · MTN MoMo's fee isn't published: it shows on *303# before you confirm

All networks, same thing

MTN MoMo fee not published
Airtel Money fee not published
Zamtel Money K1.80

Levy: Zambia Revenue Authority, June 2026. Fees: each network's published tariff (Airtel tariff guide, from 1 January 2024; Zamtel Money tariff guide 2025). MTN doesn't publish its MoMo fees online.

Government levy K0.80 on K500 Answer ↓

Figures used

Straight from the source

Mobile money levy

K0.32 to K10 a transaction

Zambia Revenue Authority, June 2026 ↗

Airtel Money fees

Published tariff

Airtel tariff guide, from 1 January 2024 ↗

Zamtel Money fees

Published tariff

Zamtel Money tariff guide 2025 ↗

Good to know

Questions people ask

What is the mobile money levy?

A government levy on mobile money transactions, collected by the networks for ZRA: K0.32 on up to K150, rising to K10 above K10,000. It applies to sending money, paying bills and shops, government payments and bank-to-wallet transfers, but not to cashing out.

Why are some network fees missing?

MTN does not publish its MoMo fees online, and Airtel publishes only its cash-out fees. The fee shows on your phone before you confirm: dial *303# on MTN or *115# on Airtel. We only show fees a network has published.

Is it cheaper to send to the same network?

Usually. On Zamtel, sending K500 to another Zamtel number costs K1.00 plus the K0.80 levy; to another network or a bank it costs K10.00 plus the levy.

Is receiving money free?

Yes, receiving and depositing money are free on all three networks. Cashing out at an agent is charged.