How much does it cost to withdraw KSh 5000 on M-PESA?

Agent withdrawal of KSh 5000 costs KSh 69, including the 20% excise duty. The fee applies to the whole band from KSh 3,501 to KSh 5,000.

Is it cheaper to split KSh 5000 into smaller transactions?

Yes. Doing it as 2 transactions costs KSh 58 instead of KSh 69, saving KSh 11.

M-PESA · Agent withdrawal

Withdrawing KSh 5,000 costs KSh 69

That fee covers the whole band from KSh 3,501 to KSh 5,000, and already includes the 20% excise duty. Cash out at an M-PESA agent.

Split it and save KSh 11

2 transactions of about KSh 2,500 cost KSh 58 in total, against KSh 69 for one transaction of KSh 5,000.

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 18

At KSh 5,001 the fee jumps from KSh 69 to KSh 87. You have KSh 0 of headroom before that.

KSh 5,000 on other M-PESA services

Other amounts — agent withdrawal

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