M-PESA transaction charges depend on how much money you transfer and how you do it. For example, you pay KSh 29 to withdraw KSh 500 from an agent, KSh 7 to send the same amount and nothing to send KSh 100 or less. This guide lists every fee by amount, so you can find your exact charge in seconds.
First, you get a quick answer table and the full tables for agent withdrawals, sending money and ATM withdrawals. After that, the guide covers Pochi la Biashara, Paybill, Business Till, your daily limits and the frequently asked questions by Kenyans.
M-PESA Transaction Charges 2026: Quick Answer by Amount
The table below shows MPESA transaction charges 2026 for the most transferred and withdrawn amounts by Kenyans. The first fee column shows what you pay to cash out at an agent. The second shows what you pay to send money to another M-PESA user or to an Airtel Money or T-Kash user.
| Amount (KSh) | Withdraw at an agent (KSh) | Send money (KSh) |
| 500 | 29 | 7 |
| 1,000 | 29 | 13 |
| 2,500 | 29 | 33 |
| 3,000 | 52 | 53 |
| 5,000 | 69 | 57 |
| 6,000 | 87 | 78 |
| 10,000 | 115 | 90 |
| 15,000 | 167 | 100 |
| 20,000 | 185 | 105 |
| 30,000 | 197 | 108 |
| 50,000 | 278 | 108 |
MPESA Withdrawal Charges 2026 at Agents
You pay a fee each time you withdraw cash at an agent. The fee stays at KSh 29 for any amount from KSh 101 to KSh 2,500, then climbs as the amount grows. You cannot withdraw less than KSh 50 at an agent.
| Amount (KSh) | Withdrawal fee (KSh) |
| 1 to 49 | Not available |
| 50 to 100 | 11 |
| 101 to 2,500 | 29 |
| 2,501 to 3,500 | 52 |
| 3,501 to 5,000 | 69 |
| 5,001 to 7,500 | 87 |
| 7,501 to 10,000 | 115 |
| 10,001 to 15,000 | 167 |
| 15,001 to 20,000 | 185 |
| 20,001 to 35,000 | 197 |
| 35,001 to 50,000 | 278 |
| 50,001 to 250,000 | 309 |
Every Agent outlet display a printed Safaricom tariff below
M-PESA Transaction Charges 2026 for Sending Money
Sending money costs the same whether you send to another Safaricom user, Airtel Money or T-Kash user. Sending KSh 100 or less is free. After that, the fee rises with the amount and stops at KSh 108 once you send more than KSh 20,000.
| Amount (KSh) | Send fee (KSh) |
| 1 to 100 | Free |
| 101 to 500 | 7 |
| 501 to 1,000 | 13 |
| 1,001 to 1,500 | 23 |
| 1,501 to 2,500 | 33 |
| 2,501 to 3,500 | 53 |
| 3,501 to 5,000 | 57 |
| 5,001 to 7,500 | 78 |
| 7,501 to 10,000 | 90 |
| 10,001 to 15,000 | 100 |
| 15,001 to 20,000 | 105 |
| 20,001 to 250,000 | 108 |
How Much Can You Withdraw from MPESA in a Day?
You can move up to KSh 500,000 a day across all your MPESA transactions. A single transaction can go up to KSh 250,000, and your MPESA account can hold at most KSh 500,000. Withdrawals, sends and payments all count toward the daily KSh 500,000, so one large withdrawal reduces what you can send later that day.
M-PESA ATM Withdrawal Charges 2026
An ATM withdrawal costs the same as an agent withdrawal or more, at every amount. The ATM tariff covers withdrawals from KSh 200 to KSh 35,000.
| Amount (KSh) | ATM fee (KSh) |
| 200 to 2,500 | 35 |
| 2,501 to 5,000 | 69 |
| 5,001 to 10,000 | 115 |
| 10,001 to 35,000 | 203 |
M-PESA Transaction Charges 2026 for Pochi la Biashara
Safaricom lowered the fee for Pochi la Biashara payments in August 2026. The rates below apply until October 31, 2026. You pay nothing up to KSh 200 instead of KSh 100, and you pay a flat KSh 50 above KSh 2,500, where a standard send costs between KSh 53 and KSh 108.
| Amount (KSh) | Pochi la Biashara fee (KSh) |
| 1 to 200 | Free |
| 201 to 500 | 7 |
| 501 to 1,000 | 13 |
| 1,001 to 1,500 | 23 |
| 1,501 to 2,500 | 33 |
| 2,501 to 250,000 | 50 |
MPESA Transaction Charges 2026 for Paybill
Paybill charges depend on the tariff model the business chose. Safaricom offers three: Mgao, Business Bouquet and Customer Bouquet. The Paybill model the business uses decides who pays the fee.
Under Business Bouquet, you pay the full fee. Under Mgao, you and the business share it. Under Customer Bouquet, the business pays the full fee, so you pay KSh 0 on every amount. The total fee stays the same in all three models.
| Amount (KSh) | You pay under Business Bouquet (KSh) | You pay under Mgao (KSh) | Business pays under Mgao (KSh) |
| 1 to 100 | 0 | 0 | 0 |
| 101 to 500 | 5 | 5 | 0 |
| 501 to 1,000 | 10 | 10 | 0 |
| 1,001 to 1,500 | 15 | 10 | 5 |
| 1,501 to 2,500 | 20 | 13 | 7 |
| 2,501 to 3,500 | 25 | 16 | 9 |
| 3,501 to 5,000 | 34 | 16 | 18 |
| 5,001 to 7,500 | 42 | 17 | 25 |
| 7,501 to 10,000 | 48 | 18 | 30 |
| 10,001 to 15,000 | 57 | 18 | 39 |
| 15,001 to 20,000 | 62 | 19 | 43 |
| 20,001 to 25,000 | 67 | 20 | 47 |
| 25,001 to 30,000 | 72 | 20 | 52 |
| 30,001 to 35,000 | 83 | 21 | 62 |
| 35,001 to 40,000 | 99 | 23 | 76 |
| 40,001 to 45,000 | 103 | 23 | 80 |
| 45,001 to 250,000 | 108 | 24 | 84 |
MPESA Transaction Charges 2026 for Business Till (Buy Goods)
MPESA transaction charges 2026 also cover Lipa na MPESA Buy Goods, the payment method behind a Business Till. The fee depends on whether you pay a till, receive payments into one or pay out from the till.
Paying a Buy Goods till as a customer
You pay nothing at any amount, because the merchant covers the fee. The exception is an authorized fuel station, where you pay the transaction charge.
Receiving payments into a Business Till
If you run a Business Till, you pay nothing on payments up to KSh 500. From KSh 501 to KSh 36,363, you pay 0.55% of each payment. Above KSh 36,363, you pay a flat KSh 200. For example, a KSh 10,000 sale costs you KSh 55, Ksh 15,000 sale costs Ksh 82.5 and Ksh 20,000 sale costs Ksh 110.
| Payment amount (KSh) | Customer pays (KSh) | Merchant pays |
| 0 to 200 | 0 | 0 |
| 201 to 500 | 0 | 0 |
| 501 to 36,363 | 0 | 0.55% of the payment |
| Above 36,363 | 0 | KSh 200 |
Paying out from a Business Till
You also pay a fee when you send money from your till to a mobile number or to a Paybill. Paying a Paybill costs you less than mobile from KSh 101 to KSh 45,000. Above KSh 45,000, both options cost KSh 54.
| Amount (KSh) | Pay to mobile (KSh) | Pay to Paybill (KSh) |
| 1 to 100 | 0 | Not available |
| 101 to 500 | 4 | 3 |
| 501 to 1,000 | 7 | 5 |
| 1,001 to 1,500 | 12 | 8 |
| 1,501 to 2,500 | 17 | 10 |
| 2,501 to 3,500 | 27 | 13 |
| 3,501 to 5,000 | 29 | 17 |
| 5,001 to 7,500 | 39 | 21 |
| 7,501 to 10,000 | 45 | 24 |
| 10,001 to 15,000 | 50 | 29 |
| 15,001 to 20,000 | 53 | 31 |
| 20,001 to 25,000 | 54 | 34 |
| 25,001 to 30,000 | 54 | 36 |
| 30,001 to 35,000 | 54 | 42 |
| 35,001 to 40,000 | 54 | 50 |
| 40,001 to 45,000 | 54 | 52 |
| 45,001 to 250,000 | 54 | 54 |
Which MPESA Transactions Are Free?
You pay nothing to send KSh 100 or less or to make a Paybill payment of KSh 100 or less. You also pay nothing to deposit cash, register for MPESA, buy airtime through MPESA, check your balance or change your PIN. Paying a Buy Goods till costs you nothing either, except at authorized fuel stations, where you cover the transaction charge.
How to Pay Less in MPESA Transaction Charges 2026
- Stop at the top of a band. Withdrawing KSh 2,500 costs KSh 29, while withdrawing KSh 2,600 costs KSh 52.
- Send large amounts in one transfer. Every send above KSh 20,000 costs a flat KSh 108, so one KSh 30,000 transfer costs KSh 108 while two KSh 15,000 transfers cost KSh 200.
- Use an agent instead of an ATM. An ATM costs the same or more at every amount.
Why MPESA Charges Rose After the Finance Act 2023
In July 2023, Safaricom increase in MPESA transaction costs to reflect the Finance Act 2023. The Act lifted the excise duty on money transfers from 12% to 15% and cut the excise duty on telecommunication services from 20% to 15%. As a result, MPESA fees rose while data, call and SMS rates fell. The 15% excise duty on money transfers still applies in 2026.
MPESA Transaction Charges 2026 FAQs
Between withdrawing and sending money, which one costs more?
Overall, withdrawing is costly compared to sending money. But Between KSh 1,501 and KSh 3,500, withdrawing costs slightly less by Ksh 1 than sending. Above KSh 3,500, sending costs less.
How much does it cost to withdraw KSh 500 from an MPESA agent?
You pay KSh 29.
How much does it cost to withdraw KSh 10,000 from MPESA?
You pay KSh 115 at an agent and KSh 115 at an ATM.
How much does it cost to send KSh 1,000 on MPESA?
You pay KSh 13 to send KSh 1,000 to a Safaricom, Airtel Money or T-Kash number.
How much can you withdraw from MPESA in a day?
You can move up to KSh 500,000 a day across all transactions, with a maximum of KSh 250,000 per transaction.
How much does it cost to send money to Airtel Money or T-Kash?
Sending KSh 100 or less is free. Above that, you pay the same fee as a send to a Safaricom number. For example, you pay KSh 7 to send KSh 500.
Do you pay a fee when you pay a Buy Goods till?
No. The merchant pays 0.55% on payments from KSh 501 to KSh 36,363 and a flat KSh 200 above that. The exception is an authorised fuel station, where you pay the transaction charge.
Can you send money to an unregistered number?
No. Safaricom stopped transfers to unregistered users on February 5, 2024, so the recipient needs an active mobile money account.
