M-PESA · Agent withdrawal
That fee covers the whole band from KSh 15,001 to KSh 20,000, and already includes the 20% excise duty. Cash out at an M-PESA agent.
At KSh 20,001 the fee jumps from KSh 185 to KSh 197. 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