How much does it cost to send KSh 2000 on M-PESA?

Send money of KSh 2000 costs KSh 33, including the 20% excise duty. The fee applies to the whole band from KSh 1,501 to KSh 2,500.

Is it cheaper to split KSh 2000 into smaller transactions?

Yes. Doing it as 2 transactions costs KSh 26 instead of KSh 33, saving KSh 7.

M-PESA · Send money

Sending KSh 2,000 costs KSh 33

That fee covers the whole band from KSh 1,501 to KSh 2,500, 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 1,000 cost KSh 26 in total, against KSh 33 for one transaction of KSh 2,000.

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 20

At KSh 2,501 the fee jumps from KSh 33 to KSh 53. You have KSh 500 of headroom before that.

KSh 2,000 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