Mobile money transfer is a way of sharing the available talk value from one mobile to other mobile. This service is useful when our family members or friends are in a situation in which they cannot recharge their talk value in mobiles. Currently this has been implemented between two mobiles which belong to the same network. In this paper, we have proposed a method to transfer the talk value from one mobile to another mobile which belongs to a different network. Both the networks of the sender and the receiver could be benefited through a predefined commission. © Research India Publications.