M-PESA Charges 2025–Withdrawal ‎| Send Money Fees

M-PESA Charges 2025–Withdrawal ‎| Send Money Fees
M-Pesa is the mobile phone money transfer service operated in Kenya by Safaricom, the largest telecommunications provider in the country. M-PESA Charges are one of the sticking points for usage of the service.

Designed to provide financial services to unbanked people and “to make domestic remittance as simple as sending a text,” M-Pesa has been offering low-cost money transfer services that are quick, secure, and instant to millions of customers across the country since 2007.

Functionally and practically, registered users can use M-Pesa to send, deposit, and withdraw money, pay for goods and services, pay bills, and access credit and savings through their phones with just a click of a button or USSD codes. As 2024 is ending, M-Pesa is having over 34 million active users in Kenya, owing to its convenience when it comes to accessing funds.

Active subscribers initiate the send money process to their family, friends, or business associates by using the Safaricom SIM toolkit manually or dialling the USSD code *334#, selecting “Send Money,” and following the prompts. Similarly, they can download and install the M-Pesa App.

Transferring money in this way is quicker and easier than withdrawing cash from an agent outlet or traditionally using a cheque. However, some charges apply, as it is not a free service. Even withdrawals incur costs.

M-Pesa charges for sending money depend on the amount being transferred, whether the recipient is registered, and the type of transaction.

These are charges that a customer incurs depending on the amount of transaction and the transaction type i.e. sending or withdrawing.

Below are M-PESA Tariffs

TRANSACTION RANGE (KSHS)

TRANSACTION TYPE AND CUSTOMER CHARGES (KSHS)

MIN

MAX

TRANSFER TO M-PESA

USERS, POCHI LA

BIASHARA AND BUSINESS TILL TO CUSTOMER

TRANSFER TO

OTHER REGISTERED

MOBILE MONEY USERS

TRANSFER TO

UNREGISTERED USERS

WITHDRAWAL FROM M-PESA AGENT

1

49

Free

Free

N/A

N/A

50

100

Free

Free

N/A

11

101

500

7

7

47

29

501

1,000

13

13

51

29

1,001

1,500

23

23

61

29

1,501

2,500

33

33

76

29

2,501

3,500

53

53

115

52

3,501

5,000

57

57

139

69

5,001

7,500

78

78

171

87

7,501

10,000

90

90

211

115

10,001

15,000

100

100

273

167

15,001

20,000

105

105

296

185

20,001

35,000

108

108

318

197

35,001

50,000

108

108

318

278

50,001

250,000

108

108

318

309

 M-Pesa charges for send money 2025

Below is a table showing all the fees for sending money via M-Pesa in 2025. These charges apply when a customer sends money from Safaricom to Safaricom and other users. Recently, fees for transfers to other networks were harmonised to match Safaricom-to-Safaricom rates. Additionally, transfers to unregistered customers were disabled due to concerns about fraud and money laundering.

For example, if the cost of sending Ksh1,000 from Safaricom to Safaricom is Ksh13, as is the case, the same rate applies when sending to Airtel Money and Telkom’s T-Kash. See full details below:

Amounts to send

to Safaricom Mpesa fees

to Airtel Money/ Telkom fees

Ksh1 to Ksh49

Free

Free

Ksh50 to Ksh100

Free

Free

Ksh101 to Ksh500

Ksh7

Ksh7

Ksh501 to Ksh1,000

Ksh13

Ksh13

Ksh1,001 to Ksh1,500

Ksh23

Ksh23

Ksh1,501 to Ksh2,500

Ksh33

Ksh33

Ksh2,501 to Ksh3,500

Ksh53

Ksh53

Ksh3,501 to Ksh5,000

Ksh57

Ksh57

Ksh5,001 to Ksh7,500

Ksh78

Ksh78

Ksh7,501 to Ksh10,000

Ksh90

Ksh90

Ksh10,001 to Ksh15,000

Ksh100

Ksh100

Ksh15,001 to Ksh20,000

Ksh105

Ksh105

Ksh20,001 to Ksh35,000

Ksh108

Ksh108

Ksh35,001 to Ksh50,000

Ksh108

Ksh108

Ksh50,001 to Ksh250K

Ksh108

Ksh108

The maximum amount per send money M-Pesa transaction is Ksh250,000, which is the same with withdrawals, but the maximum balance one can hold in the account is Ksh500,000, the total amount they can also transact in a day.

For Safaricom M-Pesa withdrawals in Kenya, transaction fees are much higher than when sending money. For example, when it is costing Ksh13 to send a thousand shillings, it is Ksh29 to withdraw as cash.

Ksh1,500 costs Ksh29 to withdraw, compared to its Ksh23 send money fees, and Ksh5,000 is surcharged +Ksh69, more than Ksh10 the regular Ksh57 its send money fees to Mpesa and other networks;

M-Pesa charges withdrawal chart 2025

Here is what Safaricom charges as transaction costs when withdrawing money from M-Pesa agents in 2025:

Withdrawal amount

Mpesa charges 2025

Ksh1 to Ksh49

N/A

Ksh50 to Ksh100

Ksh11

Ksh101 to Ksh500

Ksh29

Ksh501 to Ksh1,000

Ksh29

Ksh1,001 to Ksh1,500

Ksh29

Ksh1,501 to Ksh2,500

Ksh29

Ksh2,501 to Ksh3,500

Ksh52

Ksh3,501 to Ksh5,000

Ksh69

Ksh5,001 to Ksh7,500

Ksh87

Ksh7,501 to Ksh10,000

Ksh115

Ksh10,001 to Ksh15,000

Ksh167

Ksh15,001 to Ksh20,000

Ksh185

Ksh20,001 to Ksh35,000

Ksh197

Ksh35,001 to Ksh50,000

Ksh278

Ksh50,001 to Ksh250K

Ksh309

The only transaction range that has a lower withdrawal rate than send money is Ksh2,501 to Ksh3,500, whereby the charges decrease from Ksh53 to Ksh52.

The maximum amount you can make per M-Pesa withdrawal is Ksh250,000, costing Ksh309. You cannot withdraw less than Ksh50 at an M-Pesa agent outlet.

There are more than 300,000 Safaricom M-Pesa agents in Kenya, helping customers daily with M-Pesa registration, withdrawal, and deposit of funds, among all the other related services.

ATM Withdrawal Tariff

Min

Max

Kshs

200

 2500

35

2501

 5000

69

5001

 10000

115

10001

 35000

203

 

OTHER TRANSACTIONS

KSHS

All Deposits

FREE

M-PESA Registration

FREE

Buying Airtime through M-PESA

FREE

M-PESA Balance Enquiry

FREE

Change M-PESA PIN

FREE

Note:

  1. Maximum Account Balance is Kshs.500,000
  2. Maximum daily transaction value is Kshs.500,000
  3. Maximum amount per transaction is Kshs.250,000
  4. The minimum amount you can withdraw at an M-PESA Agent is Kshs.50
  5. To initiate M-PESA person to person self-reversal, send the transaction confirmation to 456
  6. To be able to transact, your Safaricom line and M-PESA account must be active.
  7. One can deposit funds only into M-PESA account registered under their own identification document (ID). Depositing directly into third party accounts is not allowed.
  8. You will earn Bonga Points from the M-PESA fee charged when you transact.
  9. To transact at any M-PESA agent outlet, you will be required to produce your original identification document with which the M-PESA was registered, i.e., National ID or Kenyan Passport
  10. Dial *334# to view application charges or use M-PESA cost calculator on My Safaricom App
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