MTN Mobile Money Withdraw Charges in Uganda (2026): Full Chart + Calculator
If you've ever stood at an MTN agent wondering exactly what you'll be charged to withdraw your money, this page answers it in seconds. Enter the amount below to get the 2026 MTN Mobile Money withdrawal fee plus the 0.5% tax, then use the full chart underneath to check any amount — from UGX 5,000 to over a million.
MTN Mobile Money withdrawal charges chart (2026)
These are the current indicative agent withdrawal fees. Fees vary slightly by agent, and the 0.5% withdrawal tax is charged on top of the fee for every cash-out.
| Amount withdrawn (UGX) | Withdrawal fee (UGX) | + 0.5% tax (UGX) |
|---|---|---|
| 500 – 5,000 | ~ 330 – 440 | ~ 2 – 25 |
| 5,001 – 15,000 | ~ 440 – 700 | ~ 25 – 75 |
| 15,001 – 45,000 | ~ 700 – 900 | ~ 75 – 225 |
| 45,001 – 125,000 | ~ 900 – 1,800 | ~ 225 – 625 |
| 125,001 – 250,000 | ~ 1,800 – 3,200 | ~ 625 – 1,250 |
| 250,001 – 500,000 | ~ 3,200 – 5,000 | ~ 1,250 – 2,500 |
| 500,001 – 1,000,000 | ~ 5,000 – 7,000 | ~ 2,500 – 5,000 |
| Above 1,000,000 | ~ 7,000 – 7,500 | 0.5% of amount |
Indicative 2026 rates. Always confirm the exact fee shown on your MTN prompt before confirming a withdrawal.
How much will MTN charge to withdraw?
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Two separate charges apply every time you withdraw cash from an MTN agent. First is the agent withdrawal fee, which rises in bands as the amount goes up. Second is the 0.5% government tax on the withdrawal value, introduced under Uganda's mobile money tax and applied to every cash-out. Sending money wallet-to-wallet is generally cheaper than withdrawing it as cash, which is one reason more Ugandan businesses now pay staff directly to their wallets instead of handing out cash.
Frequently asked questions
Withdrawing UGX 100,000 falls in the 45,001–125,000 band, so the MTN agent withdrawal fee is roughly UGX 900–1,800, plus the 0.5% withdrawal tax of about UGX 500 — a total of around UGX 1,400–2,300 depending on the agent.
UGX 50,000 falls in the 45,001–125,000 band, so the fee is roughly UGX 900–1,800 plus about UGX 250 in 0.5% tax. Use the calculator above for the exact estimate.
UGX 200,000 is in the 125,001–250,000 band, so the withdrawal fee is roughly UGX 1,800–3,200 plus about UGX 1,000 tax, for a total of around UGX 2,800–4,200.
Above UGX 1,000,000 the fee is roughly UGX 7,000–7,500, and the 0.5% tax on 1,000,000 is UGX 5,000, so you lose around UGX 12,000–12,500 in total on a one-million withdrawal.
Yes. Uganda applies a 0.5% tax on the value of every mobile money withdrawal, charged on top of the agent's withdrawal fee. It applies to both MTN and Airtel.
You can print this page to PDF from your browser (Print → Save as PDF) to keep the full 2026 MTN withdrawal charges chart offline. The table below covers every amount band.
How to approach it
Tackling mtn mobile money withdraw charges in uganda works best in sequence: understand exactly what applies to your situation, gather your documentation in advance, then work through the official process step by step, keeping records at each stage. In Uganda, incomplete paperwork is the single biggest cause of delay, so front-loading the preparation is what keeps everything moving.
Avoidable missteps
Nearly every difficulty with mtn mobile money withdraw charges in uganda is avoidable: incomplete documentation, poor timing, and unofficial shortcuts account for the bulk of them. A careful, well-recorded approach is the simplest and cheapest protection you have.
The business case
There is a clear commercial logic to handling mtn mobile money withdraw charges in uganda well: it unlocks finance, tenders, banking and partnerships that all require demonstrable good standing. The return on doing it thoroughly shows up across everything the business tries to do next.
Setting up for what's next
The value of mtn mobile money withdraw charges in uganda extends well past today. Get it right and you have a foundation that supports everything ahead — credit, contracts, partnerships and expansion. Cutting corners now simply defers the cost to a moment when it is harder to absorb.
What often gets missed
With mtn mobile money withdraw charges in uganda, the overlooked details tend to be administrative rather than substantive: proof-of-payment references, exact name matching, and clarity on which obligations are recurring. Handling these carefully up front removes the friction that otherwise appears at the worst moment.