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Up and grateful good morning good people

Thank you for raising this. To clarify: For a UGX 150,000 withdrawal (UGX 4,325 fee): • UGX 750 + UGX 466 → UGX 1,216 goes to government (about 28%), comprising a 0.5% levy on the withdrawal amount and 15% excise duty on the service fee Of the remaining UGX 3,109: • UGX 1,600 → mobile money agents (about 37%) These are part of a nationwide agent network of over 200,000 agents who provide deposit and withdraw services and use their own capital to ensure money is available when customers need it • Only 35% goes to MTN (UGX 1,509), covering network, platform, compliance, and admin costs, not purely profit The real issue: Customers are taxed to access their own money. If you earn UGX 500,000 via mobile money: • You’ve already earned taxed income • You pay 0.5% just to withdraw it • And the service fee is taxed again This is why the call is to review the 0.5% withdrawal tax, not the service fee.

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