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M-PESA

What M-PESA actually charges you

Every band below was read from Safaricom’s own rate calculator on 12 September 2026. Fees already include the 20% excise duty — Safaricom does not list it separately.

Send money

To M-PESA users, Pochi la Biashara, Business Till to Customer, Airtel Money and T-Kash

KSh 1 – KSh 49Minimum send is KSh 50
KSh 50 – KSh 100Free
KSh 101 – KSh 500KSh 7
KSh 501 – KSh 1,000KSh 13
KSh 1,001 – KSh 1,500KSh 23
KSh 1,501 – KSh 2,500KSh 33
KSh 2,501 – KSh 3,500KSh 53
KSh 3,501 – KSh 5,000KSh 57
KSh 5,001 – KSh 7,500KSh 78
KSh 7,501 – KSh 10,000KSh 90
KSh 10,001 – KSh 15,000KSh 100
KSh 15,001 – KSh 20,000KSh 105
KSh 20,001 – KSh 35,000KSh 108
KSh 35,001 – KSh 50,000KSh 108
KSh 50,001 – KSh 250,000KSh 108

Agent withdrawal

Cash out at an M-PESA agent

KSh 1 – KSh 49Minimum withdrawal is KSh 50
KSh 50 – KSh 100KSh 11
KSh 101 – KSh 500KSh 29
KSh 501 – KSh 1,000KSh 29
KSh 1,001 – KSh 1,500KSh 29
KSh 1,501 – KSh 2,500KSh 29
KSh 2,501 – KSh 3,500KSh 52
KSh 3,501 – KSh 5,000KSh 69
KSh 5,001 – KSh 7,500KSh 87
KSh 7,501 – KSh 10,000KSh 115
KSh 10,001 – KSh 15,000KSh 167
KSh 15,001 – KSh 20,000KSh 185
KSh 20,001 – KSh 35,000KSh 197
KSh 35,001 – KSh 50,000KSh 278
KSh 50,001 – KSh 250,000KSh 309

ATM withdrawal

Cash out at an ATM. Capped at KSh 35,000 per transaction

KSh 200 – KSh 2,500KSh 35
KSh 2,501 – KSh 5,000KSh 69
KSh 5,001 – KSh 10,000KSh 115
KSh 10,001 – KSh 35,000KSh 203

These cost you nothing

  • Depositing cash at an agent
  • Sending KSh 1–100 to a registered user
  • Buy Goods / Lipa na M-PESA (the merchant pays, not you)
  • Buying airtime
  • Checking your balance
  • Changing your PIN

Check a specific amount

Safaricom can revise tariffs after giving notice, and did so for merchant tariffs on 7 August 2026. The fee shown on your confirmation screen is always the final charge — if it differs from this table, cancel and check with Safaricom.

Source: Safaricom M-PESA rate calculator · Read band by band on 12 September 2026