Mobile Money Fees: Wave vs Orange Money (comparison)

The up-to-date comparison of Mobile Money fees in francophone Africa — withdrawal, transfer and deposit, by operator and country. The models differ: in Côte d’Ivoire the withdrawal costs, in Senegal the transfer costs.

Côte d'Ivoire

Operator	Withdrawal	Transfer	Deposit
Wave	1 % · max 5,000 FCFA	Free	Free
Orange Money	1 %	Free	+100 FCFA stamp

Sénégal

Operator	Withdrawal	Transfer	Deposit
Wave	Free	1 %	Free
Orange Money	Free	0.8 %	Free

Cameroun

Operator	Withdrawal	Transfer	Deposit
MTN MoMo	2 % · min 50 FCFA · max 3,500 FCFA	0.5 % · max 500 FCFA	—

Bénin

Operator	Withdrawal	Transfer	Deposit
MTN MoMo	Tiered: 50 → 9,900 FCFA	50 FCFA	Free
Moov Money (Flooz)	Tiered: 50 → 9,900 FCFA	—	Free

Burkina Faso

Operator	Withdrawal	Transfer	Deposit
Orange Money	Tiered: 400 → 5,000 FCFA	Tiered: 50 → 200 FCFA	Free

Togo

Operator	Withdrawal	Transfer	Deposit
Moov Money (Flooz)	Tiered: 50 → 1,000 FCFA	—	Free

Mali

Operator	Withdrawal	Transfer	Deposit
Orange Money	Tiered: 100 → 25,000 FCFA + 1% state levy	—	Free

Calculate a specific amount

Withdrawal · Wave · Côte d'Ivoire

1,000 FCFA 2,000 FCFA 5,000 FCFA 10,000 FCFA 25,000 FCFA 50,000 FCFA 100,000 FCFA 200,000 FCFA 500,000 FCFA

Withdrawal · Orange Money · Côte d'Ivoire

1,000 FCFA 2,000 FCFA 5,000 FCFA 10,000 FCFA 25,000 FCFA 50,000 FCFA 100,000 FCFA 200,000 FCFA 500,000 FCFA

Transfer · Wave · Sénégal

1,000 FCFA 2,000 FCFA 5,000 FCFA 10,000 FCFA 25,000 FCFA 50,000 FCFA 100,000 FCFA 200,000 FCFA 500,000 FCFA

Transfer · Orange Money · Sénégal

1,000 FCFA 2,000 FCFA 5,000 FCFA 10,000 FCFA 25,000 FCFA 50,000 FCFA 100,000 FCFA 200,000 FCFA 500,000 FCFA

Withdrawal · MTN MoMo · Cameroun

1,000 FCFA 2,000 FCFA 5,000 FCFA 10,000 FCFA 25,000 FCFA 50,000 FCFA 100,000 FCFA 200,000 FCFA 500,000 FCFA

Transfer · MTN MoMo · Cameroun

1,000 FCFA 2,000 FCFA 5,000 FCFA 10,000 FCFA 25,000 FCFA 50,000 FCFA 100,000 FCFA 200,000 FCFA 500,000 FCFA

Withdrawal · MTN MoMo · Bénin

1,000 FCFA 2,000 FCFA 5,000 FCFA 10,000 FCFA 25,000 FCFA 50,000 FCFA 100,000 FCFA 200,000 FCFA 500,000 FCFA

Withdrawal · Moov Money (Flooz) · Bénin

1,000 FCFA 2,000 FCFA 5,000 FCFA 10,000 FCFA 25,000 FCFA 50,000 FCFA 100,000 FCFA 200,000 FCFA 500,000 FCFA

Withdrawal · Orange Money · Burkina Faso

1,000 FCFA 2,000 FCFA 5,000 FCFA 10,000 FCFA 25,000 FCFA 50,000 FCFA 100,000 FCFA 200,000 FCFA

Transfer · Orange Money · Burkina Faso

1,000 FCFA 2,000 FCFA 5,000 FCFA 10,000 FCFA 25,000 FCFA 50,000 FCFA 100,000 FCFA 200,000 FCFA 500,000 FCFA

Withdrawal · Moov Money (Flooz) · Togo

1,000 FCFA 2,000 FCFA 5,000 FCFA 10,000 FCFA 25,000 FCFA 50,000 FCFA 100,000 FCFA

Withdrawal · Orange Money · Mali

1,000 FCFA 2,000 FCFA 5,000 FCFA 10,000 FCFA 25,000 FCFA 50,000 FCFA 100,000 FCFA 200,000 FCFA 500,000 FCFA

Indicative rates (2026 schedules), subject to change — always confirm with the operator.