The Gambia Mobile Money Fee Calculator 🇬🇲
Compute transaction tariffs, agent kiosk withdrawal fees, and exact cash-in-hand amounts across Wave Gambia, QMoney (*323#), and Afrimoney (*133#) in Gambian Dalasi (GMD).
D 2,500 ≈ $36 USD
Leading licensed mobile money platforms in The Gambia
Different rates apply to internal transfers and agent cash-outs
Ensures tradespeople, rent, or school fee collectors get the full amount
The Gambia Mobile Money Operator Comparison Matrix
| Operator | P2P Wallet Transfer | Agent Cash-Out Fee | Bill Pay (CashPower) |
|---|---|---|---|
| Wave Money Gambia | 0% (Free Always) | Flat 1.0% | 0% (Free) |
| QMoney (*323#) | Free ≤ D 100; D 5 - 15; 0.8% | Tiered (1.2% average) | 0% (Free) |
| Afrimoney (*133#) | Free ≤ D 200; D 10; 0.9% | Tiered (1.3% average) | 0% (Free) |
Frequently Asked Questions (FAQ) - Mobile Money in The Gambia
How does Wave Money Gambia's fee model work?
Wave Money operates on a flat 1% model: sending money between Wave wallets is 100% free of charge, and a flat 1% fee is deducted only when the recipient withdraws cash at an authorized agent kiosk. Bill payments (such as NAWEC CashPower) are also free.
What are the USSD codes for QMoney and Afrimoney in The Gambia?
QMoney (QCell network) is accessed via USSD code *323#, while Afrimoney (Africell network) is accessed via USSD code *133#. Wave operates primarily via its mobile smartphone application and agent QR cards.
What is 'Reverse Cash-Out' calculation in mobile money?
Reverse Cash-Out computes the exact extra amount a sender must transfer so that after the agent kiosk deducts the withdrawal fee, the recipient walks away with the exact net cash required (essential for rent, school fees, or trade contractor payments).
Are there fees for buying NAWEC CashPower tokens on mobile money?
No. Purchasing NAWEC CashPower electricity tokens is free of service fees across Wave, QMoney, and Afrimoney in The Gambia, meaning 100% of your top-up amount goes directly into units.
What are the maximum daily transaction limits for Gambian mobile wallets?
Regulated by the Central Bank of The Gambia (CBG), standard Tier 1 KYC limits range from D 25,000 to D 50,000 per day, while fully verified merchant and high-tier accounts can transact up to D 100,000+ daily.
Engr. Muhammad Shahzad
Verified Technical AuthorPrincipal Civil & Systems Software Engineer specializing in mobile financial services (MFS), USSD payment gateways, and West African digital currency protocols.
📊 Gambia Revenue Authority (GRA) & SSHFC Pension Matrix
| Statutory Component / Legal Deduction Item | Calculated Amount (GMD) |
|---|---|
| Primary Net / Statutory Payable Amount | D 0.00 |