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Person-to-person transfers within EcoCash network. IMT tax applies to amounts ≥ $5.
Withdrawing cash from EcoCash agents. No IMT tax applies.
Direct transfers to bank accounts. Higher fees and IMT tax applies.
Bill payments (DSTV, ZESA, etc.). Usually includes fixed fees plus percentage.
International card transactions. Higher fees due to forex and processing costs.
The charges change frequently, but last time I checked, sending $10 USD costs around $0.50-$1.00 depending on the recipient type. ZiG transactions are generally cheaper. Always check *151# for current rates before transacting.
Pro tip: Merchant payments are usually free or very cheap compared to person-to-person transfers. If you're paying for goods/services, ask if they have a merchant account.
I use *151# daily! For quick balance check, just dial *151*6*1#. To buy airtime for yourself, *151*2*2*1# is faster than going through the full menu.
Don't forget *153# for USD transactions! I always get confused between the two. Also, *151*0# gives you help if you're stuck in the menu.
I switched to using ZIPIT for bank-to-bank transfers when possible. It's free and instant between most local banks. Only use EcoCash when I really need mobile money features.
Group your transactions! Instead of sending $5 three times (paying charges each time), send $15 once. Also, receiving money is usually free, so coordinate with family/friends.