How much does it cost to send KSh 3000 on M-PESA?

Send money of KSh 3000 costs KSh 53, including the 20% excise duty. The fee applies to the whole band from KSh 2,501 to KSh 3,500.

Is it cheaper to split KSh 3000 into smaller transactions?

Yes. Doing it as 3 transactions costs KSh 39 instead of KSh 53, saving KSh 14.

M-PESA · Send money

Sending KSh 3,000 costs KSh 53

That fee covers the whole band from KSh 2,501 to KSh 3,500, 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 14

3 transactions of about KSh 1,000 cost KSh 39 in total, against KSh 53 for one transaction of KSh 3,000.

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 4

At KSh 3,501 the fee jumps from KSh 53 to KSh 57. You have KSh 500 of headroom before that.

KSh 3,000 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