Alerte des consommateurs : La Taxe sur les Transferts d’Argent (TTA) menace le pouvoir d’achat
The National Union of Consumers of Senegal (UNCS) and other consumer associations have sent a memorandum to the President of the Republic and the highest authorities of the State to express their serious concerns regarding draft Law No. 17/2025 amending the General Tax Code. The document warns of the consequences of increased taxation on mobile money and cash transactions.
The reform is part of the State's objective to rely on endogenous financing to achieve the ambitions of the Economic and Social Recovery Plan (PRES 2025-2028). To mobilize more resources, the government has targeted taxes on tobacco, alcohol, gambling, as well as cash and money transfers.
The bill introduces two main tax changes.
Stamp duty
The 1% stamp duty applicable to payments of more than 100,000 CFA francs is extended to all cash payments, without ceiling or threshold of application.
Tax on Money Transfer Transactions (TTA)
A new rate of 0.5% is added to existing fees on money transfer operations, with a cap of 2000 CFA francs per transaction.
This tax applies to transfers made by any means or technical medium that leaves a trace, including electronic and mobile phone transfers. It is also applied when a payment is made via a merchant code (0.5% levied on the amount received by the operator).
In addition, cash withdrawals exceeding 20,000 CFA francs per day (24 hours) are subject to a levy of 0.5% capped at 2,000 CFA francs.
Although associations support the principle of taxation aimed at combating tax erosion, they warn of the consequences of an indirect tax targeting mobile money, which is mainly used by low-income populations and the informal sector.
The feared consequences include: a direct impact on consumer purchasing power through the addition of extra fees; a slowdown in financial inclusion as additional fees may discourage the use of digital financial services; a return to cash and the informal economy, which would make transactions less traceable and secure, thus hindering the National Financial Inclusion Strategy (NFIS); a risk of increased unemployment due to job losses in SMEs/SMIs, as well as a possible reduction in international remittances if transaction costs become too high.
The associations are also concerned about the risks of double taxation on certain products and the impact on the prices of approved products (hydrocarbons, rice, sugar) and on access to essential public services (education, health, water, electricity, transport).
Strategic recommendations: exemptions and consultation
To mitigate the negative consequences for consumers, the associations are proposing a series of strategic recommendations to the authorities. They are calling for the development of an inclusive and permanent consultation framework between the State, consumer associations, operators, and stakeholders in the ecosystem before any decisions are made.
They call for a review of costs and tariffs to achieve a correct, relevant, transparent, and unobtrusive tax system for consumers.
The associations are calling for the cancellation of taxes related to payments for essential public services (education, health, water, electricity, transport) and the exemption of international transfers to encourage foreign currency inflows.
They insist on the need to avoid double taxation on digital financial transactions and the establishment of a monitoring and evaluation committee for the law to assess its effects on the market and purchasing power.
The memorandum also emphasizes the importance of accompanying the law with an awareness and information campaign for citizens.
Commentaires (21)
Le 1% ne va même pas entièrement au Sénégalais. Orange a seulement ajoute .5% et Wave n'a rien encore ajoute.
Cessez ces mensonges et aider l'état à développer ce pays. Vous voulez que ce régime fasse comme Macky Sall en empruntant des milliards partout ? Le Sénégal ne peut plus le faire de toutes façons avec un taux d'endettement a plus de 130% du PIB Merci Macky Sall.
Ou étaient tous ces économistes quand Macky Sall mettait le pays a terre financièrement ? Incroyable !
"And so, my fellow Americans: ask not what your country can do for you — ask what you can do for your country " (20-01-1961).
Vous, associations de consommateurs, vous représentez qui ? Sue proposez-vous comme alternative ? Que faites-vous face aux bailleurs véreux ? Aux factures opaques des concessionnaires étrangers qui transfèrent leurs bénéfices hors du pays ? Aux banques qui nous accablent d’intérêts usuriers et de taxes interminables ? Aux assurances si riches, tellement elles encaissent beaucoup et déboursent peu ? On leur paie l’assurance crédit et à la fin des échéances rien ne vous est remboursé. Vous avez tellement de sujets au lieu de vous dresser contre une politique visant l’intérêt général. Ces taxes serviront à la santé, l’éducation, l’agriculture, etc. Chacun doit considérer cela comme un investissement, l’essentiel c’est de lutter pour que cet argent ne soit pas détourné, qu’il serve à améliorer notre quotidien dans le futur, sous forme de retour sur investissement.
T au Sénégal toi
T as pas vu la bamboula que mènent tes dirigeants? Des jets privés des tera meeting etc et tu veux que l on fasse quoi? Yeen deh nguena yapp Sénégalais yi
Il y a d'autres dèpenses de luxe oû on casque plus.
Déjà ce ne serais même pas mal???
En plus Orange maintenant charge la taxe au retrait et pas à l'envoie comme c'était avant. Orange veut récupérer les taxes sur ceux qui envoient des autres pays.
Dis moi: tu te sacrifies pour que ton Kathiapan adoré se tape des jets privés. C'est ça ton pays ou en l'espace de 48, le PR et le PM ont déguerpi?
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