How much does it cost to send KSh 200 on M-PESA?

Send money of KSh 200 costs KSh 7, including the 20% excise duty. The fee applies to the whole band from KSh 101 to KSh 500.

Is it cheaper to split KSh 200 into smaller transactions?

Yes. Doing it as 2 transactions costs KSh 0 instead of KSh 7, saving KSh 7.

M-PESA · Send money

Sending KSh 200 costs KSh 7

That fee covers the whole band from KSh 101 to KSh 500, and already includes the 20% excise duty. To M-PESA users, Pochi la Biashara, Business Till to Customer, Airtel Money and T-Kash.

Split it and save KSh 7

2 transactions of about KSh 100 cost KSh 0 in total, against KSh 7 for one transaction of KSh 200.

Fees are flat within each band rather than a percentage, so two smaller transactions sometimes cost less than one larger one. Worth it for the saving shown; not worth it for a shilling or two.

One more shilling costs you KSh 6

At KSh 501 the fee jumps from KSh 7 to KSh 13. You have KSh 300 of headroom before that.

KSh 200 on other M-PESA services

Other amounts — send money

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