Published rates. Itemised taxes.
We publish what we charge, and we never fold the government's tax into our own line. If a number on this page differs from what the app shows you, the app wins — and we want to hear about it.
Illustrative rates for demonstration. The app shows the exact figures for your transfer before you confirm, and the Intermediated Money Transfer Tax is always itemised separately from our fee.
Sending and receiving
| Action | Our fee | Minimum | Capped at |
|---|---|---|---|
| Hold a balance | Free | — | — |
| Receive money | Free | — | — |
| Send to a ThumaPay wallet | Free | — | — |
| Send to mobile money | 1.2% | $0.10 | $3.00 |
| Send to a bank account | 1.5% | $0.30 | $5.00 |
| Cash out at a Thuma Hub | 1.8% | $0.25 | $6.00 |
| Bill payments and airtime | Free | — | — |
Illustrative rates shown for demonstration while the service completes launch preparation. The Intermediated Money Transfer Tax is charged separately at the statutory rate and is not ours to keep.
Collecting and paying out
| Action | Our fee | Settlement |
|---|---|---|
| Wallet and QR payments | 1.2% | Next business day |
| Mobile money collections | 1.6% | Next business day |
| Payout to a wallet | Free | Instant |
| Payout to mobile money | 1.2% | Instant to same day |
| Payout to a bank account | $0.50 flat | Same or next business day |
| Bulk payout batch | Per line, as above | Per line |
| Refunds | Fee returned pro rata | Reversed on settlement |
High-volume pricing is negotiated, not hidden. If your monthly collections exceed the point where published rates stop making sense for either of us, talk to us.
What we will never do
Charge a fee that was not on the confirmation screen. Round a conversion in our favour without showing the rate. Introduce a dormancy fee on an untouched balance. Bury the statutory tax inside our own line.
Understanding IMTT
The Intermediated Money Transfer Tax is a Zimbabwean statutory charge on electronic transfers. It is collected by the provider and passed to the authorities — it is not revenue for ThumaPay. We show it on its own line so you can see the difference between what we charge and what the law does.
No surprises, by design
Every rate on this page appears again on your confirmation screen before any money moves.