Comprehensive Guide to M-Pesa Charges and Transactions (2025)
This guide provides detailed information about M-Pesa charges for various transaction types, including transfers, withdrawals, and other associated services.
1. M-Pesa Transfer Charges to Registered Users
These charges apply when sending money from M-Pesa to any registered mobile money user, including M-Pesa, Airtel Money, and T-Kash users.
| Transaction Range (Kshs) | Charges (Kshs) |
|---|---|
| 1 – 49 | FREE |
| 50 – 100 | FREE |
| 101 – 500 | 7 |
| 501 – 1,000 | 13 |
| 1,001 – 1,500 | 23 |
| 1,501 – 2,500 | 33 |
| 2,501 – 3,500 | 53 |
| 3,501 – 5,000 | 57 |
| 5,001 – 7,500 | 78 |
| 7,501 – 10,000 | 90 |
| 10,001 – 15,000 | 100 |
| 15,001 – 20,000 | 105 |
| 20,001 – 35,000 | 108 |
| 35,001 – 50,000 | 108 |
| 50,001 – 250,000 | 108 |
2. Withdrawal Charges from M-Pesa Agents
When withdrawing cash from an M-Pesa agent, the following charges apply:
| Transaction Range (Kshs) | Withdrawal Charges (Kshs) |
|---|---|
| 50 – 100 | 11 |
| 101 – 500 | 29 |
| 501 – 1,000 | 29 |
| 1,001 – 1,500 | 29 |
| 1,501 – 2,500 | 29 |
| 2,501 – 3,500 | 52 |
| 3,501 – 5,000 | 69 |
| 5,001 – 7,500 | 87 |
| 7,501 – 10,000 | 115 |
| 10,001 – 15,000 | 167 |
| 15,001 – 20,000 | 185 |
| 20,001 – 35,000 | 197 |
| 35,001 – 50,000 | 278 |
| 50,001 – 250,000 | 309 |
3. M-Pesa ATM Withdrawal Charges
For cash withdrawals via ATM using your M-Pesa account, the charges are as follows:
| Transaction Range (Kshs) | ATM Withdrawal Fee (Kshs) |
|---|---|
| 200 – 2,500 | 35 |
| 2,501 – 5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001 – 35,000 | 203 |
4. Business Till to Customer and Pochi la Biashara Charges
These charges apply for transfers from M-Pesa to Pochi la Biashara accounts or from Business Tills to customer phone numbers.
| Transaction Range (Kshs) | Charges (Kshs) |
|---|---|
| 1 – 49 | FREE |
| 50 – 100 | FREE |
| 101 – 500 | 7 |
| 501 – 1,000 | 13 |
| 1,001 – 1,500 | 23 |
| 1,501 – 2,500 | 33 |
| 2,501 – 3,500 | 53 |
| 3,501 – 5,000 | 57 |
| 5,001 – 7,500 | 78 |
| 7,501 – 10,000 | 90 |
| 10,001 – 15,000 | 100 |
| 15,001 – 20,000 | 105 |
| 20,001 – 35,000 | 108 |
| 35,001 – 50,000 | 108 |
| 50,001 – 250,000 | 108 |
5. Free M-Pesa Transactions
Despite recent rate adjustments, the following transactions remain free for all M-Pesa users:
- All deposits: FREE
- M-Pesa registrations: FREE
- Buying airtime: FREE
- Balance enquiry: FREE
- Changing M-Pesa PIN: FREE
6. Discontinued Transfers to Unregistered Users
As of February 5, 2024, Safaricom no longer allows money transfers to unregistered users. Previously, unregistered users would receive a voucher to withdraw funds at M-Pesa agents. The historical charges for such transfers were:
| Transaction Range (Kshs) | Charges (Kshs) |
|---|---|
| 101 – 500 | 47 |
| 501 – 1,000 | 51 |
| 1,001 – 1,500 | 61 |
| 1,501 – 2,500 | 76 |
| 2,501 – 3,500 | 115 |
| 3,501 – 5,000 | 139 |
| 5,001 – 7,500 | 171 |
| 7,501 – 10,000 | 211 |
| 10,001 – 15,000 | 273 |
| 15,001 – 20,000 | 296 |
| 20,001 – 35,000 | 318 |
| 35,001 – 50,000 | 318 |
| 50,001 – 250,000 | 318 |
Additional Notes
- Maximum M-Pesa account balance: Kshs 500,000
- Maximum daily transaction limit: Kshs 500,000
- Maximum per transaction: Kshs 250,000
- Minimum withdrawal amount at M-Pesa agents: Kshs 50