M-PESA · ATM withdrawal
That fee covers the whole band from KSh 5,001 to KSh 10,000, and already includes the 20% excise duty. Cash out at an ATM. Capped at KSh 35,000 per transaction.
At KSh 10,001 the fee jumps from KSh 115 to KSh 203. You have KSh 0 of headroom before that.
The fee shown on your M-PESA confirmation screen is the final charge. Safaricom can revise tariffs after notice, and did so for merchant tariffs on 7 August 2026 — if the screen differs from this figure, cancel and check.
Source: Safaricom M-PESA rate calculator · 12 September 2026
All M-PESA charges