Mobile money has completely changed how Africans manage their money. Everywhere from big cities to tiny villages, it’s become a real essential, making it easy, safe, and accessible to send, receive, and keep money. Mobile Money in Tanzania isn’t just a handy extra; it’s how people pay for things every day, run their businesses, and get included in the financial world. Because there are more and more providers and features popping up, knowing how to use mobile money well can really make your life easier. This guide will cover everything you need to know about mobile money in Tanzania, from signing up to taking out cash, sending money, and picking the best service for what you need.
How to Register for Mobile Money in Tanzania
Before you can start sending and receiving money, you need to have a mobile money account. The registration process is straightforward and can be completed in a few simple steps:
- Choose a Mobile Money Provider: Choose between M-Pesa, Tigo Pesa, Airtel Money, or another service.
- Visit an Authorized Agent or Mobile Network Shop: Find a nearby mobile money agent or visit your provider’s official store.
- Bring Your National ID: You will need a valid form of identification, such as a National ID card, passport, or voter’s ID.
- Fill Out the Registration Form: Provide your details and phone number to set up your mobile money wallet.
- Receive a Confirmation Message: Once your account is activated, you’ll get a confirmation SMS with instructions to set your PIN.
After completing these steps, your mobile money account will be ready for use.

How to Send Money Using Mobile Money in Tanzania
Sending money through mobile money is quick. Follow these steps:
- Dial the USSD Code: Open your phone’s dial pad and enter the mobile money service’s USSD code.
- Select ‘Send Money’: Choose the option to send money.
- Enter the Recipient’s Mobile Number: Make sure that the number belongs to the correct network or use the cross-network transfer feature if available.
- Input the Amount: Enter the amount you wish to send.
- Confirm with Your PIN: Review the transaction details and enter your mobile money PIN to authorize the transfer.
- Receive a Confirmation SMS: Both you and the recipient will receive a confirmation message.
How to Receive Money Using Mobile Money in Tanzania
Receiving money through mobile money is even simpler:
- Make sure Your Account is Active: The sender should have your correct registered mobile number.
- Wait for the Confirmation SMS: Once the money is sent, you’ll receive a text notification.
- Use the Funds: You can withdraw cash, transfer to another account, or use it to pay bills.
How to Withdraw Cash from Mobile Money in Tanzania
If you need to convert your mobile money balance into cash, follow these steps:
- Locate a Mobile Money Agent: Visit a nearby mobile money kiosk or shop.
- Dial the USSD Code: Select the ‘Withdraw Cash’ option from the mobile money menu.
- Enter the Agent’s Code: The agent will provide a unique code to authorize the withdrawal.
- Input the Amount: Enter how much you want to withdraw.
- Confirm with Your PIN: Enter your PIN to complete the transaction.
- Receive Your Cash: The agent will hand you the requested amount.

How to Transfer Money from Mobile Money to a Bank Account in Tanzania
Mobile money services also allow you to move funds directly to a bank account. Here’s how:
- Open the Mobile Money Menu: Dial the USSD code and choose the ‘Bank Transfer’ option.
- Select Your Bank: Choose from the list of partner banks.
- Enter Your Bank Account Number: Make sure the details are correct to avoid errors.
- Input the Amount: Specify the amount to be transferred.
- Confirm the Transaction: Review and enter your PIN to authorize the transfer.
- Receive a Confirmation Message: Both you and the recipient bank will get a transaction alert.
How to Check Your Mobile Money Balance in Tanzania
Keeping track of your funds is of utmost importance. To check your mobile money balance:
- Dial the Mobile Money USSD Code: Use your provider’s unique code.
- Select ‘Check Balance’: Proceed to the balance inquiry section.
- Enter Your PIN: Authenticate your request.
- Receive an SMS: Your current balance will be displayed on your screen or sent via SMS.
How to Choose the Best Mobile Money Service in Tanzania
With multiple providers available, selecting the best one depends on several factors:
- Network Coverage: Make sure the provider has strong coverage in your area.
- Transaction Fees: Compare transfer and withdrawal charges.
- Ease of Use: Look for user-friendly interfaces and quick transactions.
- Bank Integration: Some providers offer seamless bank transfers.
- Customer Support: Reliable customer service is indispensable in case of issues.
Popular mobile money services in Tanzania include:
- M-Pesa: Widely used with extensive coverage.
- Tigo Pesa: Offers competitive rates and fast transactions.
- Airtel Money: Reliable for both local and international transfers.
- Halotel Pesa: An emerging option with growing popularity.
So, if you’re sending money to family, paying for goods and services, or managing your own finances, mobile money in Tanzania offers a convenient and efficient means of managing money. By understanding the different services, fees, and security measures, you can confidently manage your money digitally and make the most of what mobile money has to offer. It’s all about finding what works best for you and taking advantage of the ease and accessibility it brings to everyday life.