Two wallets dominate Côte d'Ivoire: Wave, which entered in 2020 with very low fees, and Orange Money, the 2008 pioneer with the widest cash-out network. The choice mostly depends on what you do most often.

Transfer and withdrawal fees

  • Wave: 1% on transfers (capped at 5,000 FCFA), 0% deposit and withdrawal.
  • Orange Money: tiered fees by amount, ~40,000 cash-out points; Lite account has no account fee.
  • MTN MoMo: 1% (capped at 4,500 FCFA), in-app deposits/withdrawals 0% since Aug 2025.

Coverage and withdrawals

Orange Money has the widest cash-out network (~40,000 points), which matters in rural areas. Wave leans on urban-point density and zero withdrawal fees.

Which to choose?

  • You send and receive a lot and want predictable fees: Wave.
  • You withdraw often in rural areas or use other Orange services: Orange Money.
  • You can use both and receive free on either.