M-Pesa & e-Mola Mocambique 🇲🇿
Mozambique M-Pesa & e-Mola Fees Calculator
Calculate official transaction tariffs for Vodacom M-Pesa and Movitel e-Mola, including P2P transfer tiers, agent cash withdrawal fees, and exact gross sending amounts.
Transaction Parameters
MT
Montante da operacao em Meticais Banco de Mocambique Transaction Caps:
- Max per Single Transfer: 50,000 MT / transaction
- Maximum Daily Transfer Limit: 125,000 MT / day
- Maximum Wallet Holding Balance: 250,000 MT
- Gov Regulated Tariff Ceiling: Homologated by BdM
Tariff & Settlement Summary
Total Amount Debited from Sender
MT 0
Recipient Receives: MT 0
Base Transfer / Cash-Out Sum: MT 0
Official Operator Tariff Fee: MT 0
IVA on Operator Commission (16%): Included
Effective Fee Percentage: 0%
Daily Limit Utilization (% of 125,000 MT): 0%
📊 Statutory Breakdown Matrix
| Statutory Component | Amount / Metric |
|---|---|
| Base Transfer / Cash-Out Sum | -- |
| Official Operator Tariff Fee | -- |
| IVA on Operator Commission (16%) | -- |
| Effective Fee Percentage | -- |
| Daily Limit Utilization (% of 125,000 MT) | -- |
Regulatory Compliance: Governed by Banco de Mocambique (Aviso sobre Meios de Pagamento Electronicos) and published official tariff sheets of Vodacom and Movitel.
Mobile Money Ecosystem in Mozambique
M-Pesa vs e-Mola Tariffs
Both Vodacom M-Pesa and Movitel e-Mola operate banded tariff structures where smaller P2P transfers are priced lower to encourage financial inclusion, with tiered withdrawal charges at agent kiosks.
Reverse Net Send Advantage
When settling supplier invoices or sending remittances where the receiver requires exact net cash in hand, the Reverse Calculation Mode accurately adds the agent withdrawal fee to the initial transfer.