Mobile money is by far the most convenient way of sending and receiving money in Uganda right now. No long queues. No paperwork needed. No ID. Just a registered mobile phone number.
MTN Uganda is certainly the leader in mobile money transactions. But Airtel Uganda is certainly trailing on its tail as well as other mobile networks like Africell or UTL.
Chances are that you are already registered to one of these networks’ mobile money services. But there are other people who aren’t yet registered with whom you’ll often transact with.
Registered Mobile money users obviously have Mobile Money (MM) accounts while the unregistered ones don’t. That comes with several benefits. Registered users can send and receive mobile money while unregistered ones can only receive. Registered users can also buy airtime from their MM accounts.
Read more: Mobile Money charges in Uganda: A complete list of mobile money rates across all the providers
When it comes to transactions, registered users can be charged withdrawing charges. That means that transaction costs can be shared between the sender and recipient if both are registered users. If the recipient isn’t registered, then the registered sender is charged for both sending and withdrawing charges on behalf of the recipient. In short, it’s cheaper sending money to registered user compared to a non registered one.
Here’s a summarized difference between registered and unregistered users.
| Difference between registered and unregistered mobile money users in Uganda | |
|---|---|
| Registered users | Unregistered users |
| Have mobile money accounts | Don't have mobile money account |
| Can send money | Can't send money |
| Can receive money | Can only receive money |
| Can buy airtime | Can't buy airtime from Mobile money account |
| Can withdraw varied amounts of cash from their account | Must withdraw all the money sent |
| Charged withdrawing charges | Aren't charged withdrawing charges |
If you have some questions regarding mobile money transactions, don’t hesitate to post your question on Dignited Answers.
Image: Daily Monitor
About David Okwii
David Okwii is the Editor-in-Chief of Dignited.com and a seasoned tech enthusiast whose journey began in the early 2000s. He started blogging while at university, diving deep into mobile apps, smartphone reviews, and operating systems—from testing Linux distros to tweaking Windows machines. David also explores Chromebooks, experiments with Raspberry Pi projects, and brings hands-on curiosity to every review. With vast experience in Uganda’s tech ecosystem and deep knowledge of Africa’s startup landscape, he offers informed, grounded perspectives on consumer technology. When he's not writing or tinkering, David enjoys connecting with nature and exploring the outdoors.
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