Mobile Money Wallets Tanzania

All Tanzania mobile money wallets — compare USSD, features, cashback/points, and open each wallet guide (M-Pesa, Mixx, Halopesa…).

Linganisha pochi za simu Tanzania: M-Pesa, Mixx/Tigo, Airtel Money, Halopesa — USSD, zawadi na sehemu ya soko.

Market: Closed DSE (Dar es Salaam)
Soko lina matumaini
Aug 06, 2026, EAT
M

M-Pesa

Vodacom Tanzania
*150*00#

Huduma ya kwanza na kubwa zaidi ya pochi ya simu Tanzania, inayomilikiwa na Vodacom. Inatoa huduma za kutuma pesa, kulipa bili, kununua bidhaa na huduma za benki.

Services offered
  • ✓ Kutuma na kupokea pesa
  • ✓ Kulipa bili (TANESCO, DAWASCO, DSTV)
  • ✓ M-Pesa Savings (Lipa Mdogo Mdogo)
  • ✓ Kutoa pesa ATM bila kadi
  • ✓ Kulipa kwa NFC/QR Code
  • ✓ M-Pesa Global (Kimataifa)
  • ✓ Mkopo wa haraka (M-Pesa Advance)
  • ✓ Bima ya afya
  • ✓ Uwekezaji (M-Akiba)
  • ✓ TUZO Points — zawadi kwenye miamala
Transactions Balance / trust

Cashback & rewards — TUZO Points

TUZO Points: earn points on charged M-Pesa transactions and airtime recharges. Redeem to M-Pesa balance, Pay by Points at merchants, or buy bundles (*149*01#).

BoT: interest/profit from the M-Pesa trust account may be shared periodically with customers based on activity — not a fixed cashback rate on idle balance.

How: *149*01# → TUZO

Source / terms
Max limit: TZS 5,000,000
Interoperability
Full guide →
TP

Tigo Pesa

Yas Tanzania (Mixx)
Mixx by Yas
*150*01#

Pochi ya simu ya Yas — Mixx by Yas (zamani Tigo Pesa; Ezy Pesa/Zantel iliunganishwa huko) — malipo, uhamisho, na Mixx Points zinazoweza kukombolewa kuwa pesa taslimu au muda.

Services offered
  • ✓ Kutuma na kupokea pesa
  • ✓ Kulipa bili za umeme, maji na TV
  • ✓ Mixx / Tigo Pesa Savings
  • ✓ Mkopo wa haraka (Nivushe Plus)
  • ✓ Malipo ya biashara (Lipa Kwa Simu)
  • ✓ Uhamisho wa kimataifa
  • ✓ Mixx Points — komboa kwa cash
  • ✓ Kulipa karo za shule
Transactions

Cashback & rewards — Mixx Points

Mixx Points: earn points on qualifying transactions; Super App often pays bonus points. Redeem for airtime, SMS, data or cash. Time-bound promos (e.g. Lipa Kwa Simu fee cashback, Bank→Wallet bonus) change — check mixx.co.tz/promotions.

No standing cashback on idle wallet balance advertised; rewards focus on transactions and campaigns.

How: *150*01# / Mixx Super App

Source / terms
Max limit: TZS 5,000,000
Interoperability
Full guide →
AM

Airtel Money

Airtel Tanzania
*150*60#

Huduma ya malipo ya simu ya Airtel Tanzania inayoruhusu wateja kutuma pesa, kulipa bili na kupata huduma za fedha kwa urahisi.

Services offered
  • ✓ Kutuma na kupokea pesa
  • ✓ Kulipa bili
  • ✓ Airtel Money Savings
  • ✓ Mkopo wa haraka (Timiza)
  • ✓ Malipo ya biashara (Lipa Namba)
  • ✓ Uhamisho wa kimataifa
  • ✓ Kununua data na muda wa maongezi
  • ✓ Kulipa karo za shule
  • ✓ Kampeni za zawadi (My Airtel Money App)
Transactions

Cashback & rewards — Mwaka Umenyooka / campaign rewards

No standing points-to-cash cashback program found. Rewards are campaign-based (e.g. Lipa Namba fuel draws, My Airtel Money App prize draws). Confirm live offers in the app.

No standing cashback on idle wallet balance.

How: My Airtel Money App / *150*60#

Source / terms
Max limit: TZS 5,000,000
Interoperability
Full guide →
H

Halopesa

Halotel Tanzania
*150*88#

Huduma ya pochi ya simu ya Halotel Tanzania inayotoa huduma za malipo na uhamisho wa pesa kwa bei nafuu.

Services offered
  • ✓ Kutuma na kupokea pesa
  • ✓ Kulipa bili
  • ✓ Halopesa Savings
  • ✓ Malipo ya biashara
  • ✓ Kununua data na muda wa maongezi
  • ✓ Uhamisho wa pesa ndani ya nchi
No standing cashback

Cashback & rewards

No standing public cashback/points program found at review time. Check Halotel for time-bound offers.

No standing cashback on wallet balance.

Max limit: TZS 3,000,000
Interoperability
Full guide →
TP

TTCL Pesa

TTCL (Tanzania Telecommunications Corporation Limited)
*150*71#

Huduma ya pochi ya simu ya TTCL inayotoa huduma za malipo na uhamisho wa pesa kwa wateja wa TTCL na mitandao mingine.

Services offered
  • ✓ Kutuma na kupokea pesa
  • ✓ Kulipa bili
  • ✓ Malipo ya biashara
  • ✓ Kununua data na muda wa maongezi
  • ✓ Uhamisho wa pesa ndani ya nchi
No standing cashback

Cashback & rewards

No standing public cashback program found at review time.

No standing cashback on wallet balance.

Max limit: TZS 2,000,000
Interoperability
Full guide →
Information is sourced from official provider sites and TanzaniaInvest. Confirm terms with your provider before use.

Feature comparison

Compare features across all Tanzania mobile money wallets.

Service
M-Pesa
Tigo Pesa
Airtel Money
Halopesa
TTCL Pesa
Cashback / points on transactions ✓ ✓ ✓ — —
Balance rewards (trust interest) ✓ — — — —
Send money in Tanzania ✓ ✓ ✓ ✓ ✓
Pay electricity (TANESCO) ✓ ✓ ✓ ✓ ✓
Pay water (DAWASCO) ✓ ✓ ✓ ✓ —
Bank transfers ✓ ✓ ✓ ✓ ✓
International payments ✓ ✓ ✓ — —
Instant loans ✓ ✓ ✓ ✓ —
Savings ✓ ✓ ✓ ✓ —
QR payments ✓ ✓ ✓ ✓ —
Interoperability (all networks) ✓ ✓ ✓ ✓ ✓
Buy airtime ✓ ✓ ✓ ✓ ✓
Max daily limit TZS 5,000,000 TZS 5,000,000 TZS 5,000,000 TZS 3,000,000 TZS 2,000,000
USSD code *150*00# *150*01# *150*60# *150*88# *150*71#
Market share 39% 30% 20% 7% 3%
Source: TanzaniaInvest – Mobile Money Tanzania. Market-share figures are from 2020.

Frequently asked questions

Which mobile money wallets are available in Tanzania?
The main services are M-Pesa (Vodacom), Mixx by Yas (formerly Tigo Pesa; Ezy Pesa/Zantel was absorbed there), Airtel Money, Halopesa and TTCL Pesa. Compare USSD, features and market share on this page — or open each wallet guide.
What is the M-Pesa USSD code in Tanzania?
M-Pesa uses *150*00#. Mixx by Yas (Tigo Pesa) *150*01#, Airtel Money *150*60#, Halopesa *150*88#, and TTCL Pesa *150*71#.
Can I send money across different networks?
Yes. Major Tanzania mobile money wallets support interoperability — you can send and receive across networks (for example M-Pesa to Mixx/Tigo Pesa). Confirm fees with your provider.
What are the daily transaction limits?
Typically M-Pesa, Mixx/Tigo Pesa and Airtel Money allow up to TZS 5,000,000 per day; Halopesa TZS 3,000,000; TTCL Pesa TZS 2,000,000. Limits can change — confirm with your provider.
Which wallets give cashback on transactions or balance?
M-Pesa has TUZO Points (transactions + redeem to balance) and periodic trust-account interest shares. Mixx/Tigo Pesa (Mixx by Yas) has Mixx Points redeemable for cash, plus time-bound promos. Airtel Money uses campaign rewards. Halopesa and TTCL Pesa: no standing program found. Confirm terms with your provider.
How do I compare M-Pesa, Mixx and Halopesa?
Use the comparison table on this page, or open each wallet guide: M-Pesa, Mixx (Tigo Pesa / Mixx by Yas), Airtel Money, Halopesa and TTCL Pesa — each has USSD, features and rewards.

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