--- title: Clear and Simple Fees description: Discover all fees in one place—clear, simple, and transparent. Understand exactly what you pay and how it works, with no surprises. image: https://wakandi.co.tz/hubfs/Wakandi%20Images/African%20People/img.jpg --- # Fair Pricing Philosophy Wakandi offers a pricing structure that works with how SACCOs and MFIs operate. We’ve built it to be simple to understand, predictable, and sustainable, so your organisation can scale without worrying about hidden or fixed costs. - **Simple** – Clear structure with no hidden fees. - **Predictable** – Fixed monthly subscription means no surprises. - **Aligned** – We earn when you gain real value from the system. ## How Our Pricing Works ![sub_fee](https://wakandi.co.tz/hs-fs/hubfs/Wakandi%20Grapgics,%20Icon%20and%20elements/Icons/sub_fee.png?width=200&height=200&name=sub_fee.png) ##### Monthly Subscription Fee Every month, your SACCO pays **one fixed fee**, deducted from your prepaid wallet on the first day of the month. With it, you get all the core Wakandi tools you need to manage your work, help your members, and keep growing, without worrying about extra charges. You can even choose to prepay for as long as you want, reducing administrative work.   ![cash_payment](https://wakandi.co.tz/hs-fs/hubfs/Wakandi%20Grapgics,%20Icon%20and%20elements/Icons/cash_payment.png?width=200&height=200&name=cash_payment.png) ##### Cash Transaction Fees Whenever a **cash transaction** is made — at the teller, directly from a member’s account, or through bulk uploads — a small fee applies. The SACCO or MFI covers this fee, but you can recover it by adding your charge to members if you choose. ![mobil_icon](https://wakandi.co.tz/hs-fs/hubfs/Wakandi%20Grapgics,%20Icon%20and%20elements/Icons/mobil_icon.png?width=200&height=200&name=mobil_icon.png) ##### Online Transaction Fee When a member **sends or receives money online** through M-Pesa, Airtel or TiGo, a small fee applies.   You can choose to pay this fee for your members, making online payments more affordable and encouraging more usage. ![smsfees](https://wakandi.co.tz/hs-fs/hubfs/Wakandi%20Grapgics,%20Icon%20and%20elements/Icons/smsfees.png?width=200&height=200&name=smsfees.png) ##### SMS Fees You only pay for the SMS you send, whether it’s automatic messages from enabled templates or bulk SMS campaigns sent through the system.   You decide which SMS templates to activate, giving you full control over costs and communication. ![insurance_premium](https://wakandi.co.tz/hs-fs/hubfs/Wakandi%20Grapgics,%20Icon%20and%20elements/Icons/insurance_premium.png?width=200&height=200&name=insurance_premium.png) ##### Insurance The cost of insurance depends on the group **cover** you choose for your members.   To keep the policy active, the fee is automatically deducted from your prepaid wallet, ensuring continuous coverage without extra administration. ![Mobile loans](https://wakandi.co.tz/hs-fs/hubfs/Wakandi%20Grapgics,%20Icon%20and%20elements/Icons/quickloan_fee.png?width=200&height=200&name=quickloan_fee.png) ##### Mobile loans Enable your SACCO to join the **instant loan market** with predefined eligibility criteria and fully automated disbursement straight to members’ mobile wallets. ## We grow when you grow. #### ![Group 230-1](https://wakandi.co.tz/hs-fs/hubfs/Group%20230-1.png?width=27&height=24&name=Group%20230-1.png) Grow with mobile loans. With Wakandi CAMS, you can offer loans directly to mobile wallets, fast, secure, and all through our easy app or USSD. Earn money on the increased revenue from this new offering! #### ![Group 230-1](https://wakandi.co.tz/hs-fs/hubfs/Group%20230-1.png?width=27&height=24&name=Group%20230-1.png) Add value with insurance. Protect your business while providing peace of mind to your members and their families. With Wakandi’s **digital insurance**, every loan disbursed through your Sacco or MFI can include automatic insurance coverage.  Grow Revenue: Add a new income by incorporating insurance into your services. #### ![Group 230-1](https://wakandi.co.tz/hs-fs/hubfs/Group%20230-1.png?width=27&height=24&name=Group%20230-1.png) Grow with online transactions. We have promised to maintain complete pricing transparency for our users. Pricing information is provided on the website and when you onboard to use our system. Earn passive income by adding minimal fees to digital transactions. #### ![Group 230-1](https://wakandi.co.tz/hs-fs/hubfs/Group%20230-1.png?width=27&height=24&name=Group%20230-1.png) **Operational **Efficiency Leverage our IT platforms to streamline processes, prevent fraud, and enhance reporting and controls. CAMS streamlines everyday tasks by managing members' accounts, loan disbursements, repayments, and financial reporting. ## Member fees You can click on the respective links below to read the fee list.     [![tanzania](https://wakandi.co.tz/hs-fs/hubfs/Wakandi%20Grapgics,%20Icon%20and%20elements/Map/Mask-Group-7.png?width=80&height=80&name=Mask-Group-7.png) Tanzania ](https://wakandi.co.tz/pricing?hsLang=en) [![tanzania](https://wakandi.co.tz/hs-fs/hubfs/Kenya.png?width=80&height=80&name=Kenya.png) Kenya ](https://wakandi.co.ke/pricing?hsLang=en) [![tanzania](https://wakandi.co.tz/hs-fs/hubfs/uganda.png?width=80&height=80&name=uganda.png) Uganda ](https://wakandi.co.ug/pricing?hsLang=en) ### You might also like to read [Africa](https://blog.wakandi.com/tag/africa?hsLang=en), [Tanzania](https://blog.wakandi.com/tag/tanzania?hsLang=en), [CAMS](https://blog.wakandi.com/tag/cams?hsLang=en), [Digital Transformation](https://blog.wakandi.com/tag/digital-transformation?hsLang=en) ##### [Empowering Tanzanian Farmers: Wakandi and TCDC's New SACCOS Initiative](https://blog.wakandi.com/empowering-tanzanian-farmers-wakandi-and-tcdcs-new-saccos-initiative?hsLang=en) On 10th July 2025, Wakandi Tanzania Limited, in collaboration with the Tanzania Cooperative Development Commission (TCDC) and the Tanzania Federation of Cooperatives (TFC), launched a transformative... 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