In the financial year ended March 2026, M-PESA processed 46.41 billion transactions worth $322.6 billion. Vodafone and Safaricom own MPESA. The telecommunication company provides mobile money services. You can send and receive money or buy goods using MPESA. There are M-PESA charges that you incur in your MPESA transactions.
According to the Communications Authority of Kenya’s most recent sector statistics report, covering the January to March 2026 period, the number of registered mobile money agents in the country reached 602,470, up from 501,399 the previous quarter. Most being M-Pesa agents.
M-PESA Charges Guidelines
In July 2023, Safaricom announced an increase in MPESA transaction costs to reflect the Finance Act 2023.
The Act increased the excise duty on money transfers from 12% to 15% while decreasing telecommunication services excise duty from 20% to 15%. These changes led to higher MPESA transaction charges but lower data, calls, and SMS rates. This 15% excise duty on money transfers still remains valid in 2026.
M-PESA Withdrawal Charges from Agent Shops
| MIN (Ksh) | Max (Ksh) | M-PESA Charges (Ksh) |
| 0 | 49 | n/a |
| 50 | 100 | 11 |
| 101 | 500 | 29 |
| 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 | 150,000 | 309 |
M-PESA Transaction Charges to Safaricom Users and Other Network Registered Mobile Money Users (Airtel, T-Kash)
M-PESA transaction charges for customers sending money to other registered mobile money networks, such as Airtel Money and T-Kash, have been harmonized with registered Safaricom users.
| MIN (Ksh) | MAX (Ksh) | Transfer Fee (Ksh) |
| 0 | 49 | 0 |
| 50 | 100 | 0 |
| 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 | 250,000 | 108 |
M-PESA Transaction Charges to Customers Paying to Pochi La Biashara
Pochi La Biashara charges no longer match the standard Safaricom-to-Safaricom transfer rates above. Here is the breakdown
| Minimum (Ksh) | Maximum (Ksh) | Transfer fee (Ksh) |
| 1 | 200 | 0 |
| 201 | 500 | 7 |
| 501 | 1,000 | 13 |
| 1,001 | 1,500 | 23 |
| 1,501 | 2,500 | 33 |
| 2,501 | 250,000 | 50 |
Payments are capped at a flat Ksh 50 for any amount between Ksh 2,501 and Ksh 250,000, following Safaricom’s revised business tariff structure introduced in August 2026.
M-PESA Transaction Charges to Paybill Numbers
Safaricom offers three PayBill tariff models: Mgao, Business Bouquet and Customer Bouquet. Under Mgao, the transaction charge is shared between the customer and business. In Business Bouquet, the customer pays the full charge, while under Customer Bouquet, the business pays the full charge.
Business Bouquet Tariff
Customer pays the full transaction charge
| MIN (Ksh) | MAX (Ksh) | Customer Charge (Ksh) |
| 1 | 49 | 0 |
| 50 | 100 | 0 |
| 101 | 500 | 5 |
| 501 | 1,000 | 10 |
| 1,001 | 1,500 | 15 |
| 1,501 | 2,500 | 20 |
| 2,501 | 3,500 | 25 |
| 3,501 | 5,000 | 34 |
| 5,001 | 7,500 | 42 |
| 7,501 | 10,000 | 48 |
| 10,001 | 15,000 | 57 |
| 15,001 | 20,000 | 62 |
| 20,001 | 25,000 | 67 |
| 25,001 | 30,000 | 72 |
| 30,001 | 35,000 | 83 |
| 35,001 | 40,000 | 99 |
| 40,001 | 45,000 | 103 |
| 45,001 | 50,000 | 108 |
| 50,001 | 70,000 | 108 |
| 70,001 | 250,000 | 108 |
Mgao Tariff
The transaction charge is shared between the customer and business.
| MIN (Ksh) | MAX (Ksh) | Customer (Ksh) | Business (Ksh) | Total (Ksh) |
| 1 | 49 | 0 | 0 | 0 |
| 50 | 100 | 0 | 0 | 0 |
| 101 | 500 | 5 | 0 | 5 |
| 501 | 1,000 | 10 | 0 | 10 |
| 1,001 | 1,500 | 10 | 5 | 15 |
| 1,501 | 2,500 | 13 | 7 | 20 |
| 2,501 | 3,500 | 16 | 9 | 25 |
| 3,501 | 5,000 | 16 | 18 | 34 |
| 5,001 | 7,500 | 17 | 25 | 42 |
| 7,501 | 10,000 | 18 | 30 | 48 |
| 10,001 | 15,000 | 18 | 39 | 57 |
| 15,001 | 20,000 | 19 | 43 | 62 |
| 20,001 | 25,000 | 20 | 47 | 67 |
| 25,001 | 30,000 | 20 | 52 | 72 |
| 30,001 | 35,000 | 21 | 62 | 83 |
| 35,001 | 40,000 | 23 | 76 | 99 |
| 40,001 | 45,000 | 23 | 80 | 103 |
| 45,001 | 50,000 | 24 | 84 | 108 |
| 50,001 | 70,000 | 24 | 84 | 108 |
| 70,001 | 250,000 | 24 | 84 | 108 |
Customer Bouquet Tariff
Business pays the full transaction charge.
| MIN (Ksh) | MAX (Ksh) | Customer (Ksh) | Business (Ksh) | Total (Ksh) |
| 1 | 49 | 0 | 0 | 0 |
| 50 | 100 | 0 | 0 | 0 |
| 101 | 500 | 0 | 5 | 5 |
| 501 | 1,000 | 0 | 10 | 10 |
| 1,001 | 1,500 | 0 | 15 | 15 |
| 1,501 | 2,500 | 0 | 20 | 20 |
| 2,501 | 3,500 | 0 | 25 | 25 |
| 3,501 | 5,000 | 0 | 34 | 34 |
| 5,001 | 7,500 | 0 | 42 | 42 |
| 7,501 | 10,000 | 0 | 48 | 48 |
| 10,001 | 15,000 | 0 | 57 | 57 |
| 15,001 | 20,000 | 0 | 62 | 62 |
| 20,001 | 25,000 | 0 | 67 | 67 |
| 25,001 | 30,000 | 0 | 72 | 72 |
| 30,001 | 35,000 | 0 | 83 | 83 |
| 35,001 | 40,000 | 0 | 99 | 99 |
| 40,001 | 45,000 | 0 | 103 | 103 |
| 45,001 | 50,000 | 0 | 108 | 108 |
| 50,001 | 70,000 | 0 | 108 | 108 |
| 70,001 | 250,000 | 0 | 108 | 108 |
MPESA Rates for ATM Withdrawal
| MIN (Ksh.) | MAX (Ksh.) | ATM withdrawal charges |
| 200 | 2,500 | 35 |
| 2,501 | 5,000 | 69 |
| 5,001 | 10,000 | 115 |
| 10,001 | 35,000 | 203 |
M-Pesa Withdrawal Charges FAQs
Q: How much does it cost to withdraw money from a Safaricom M-PESA agent?
A: The amount you pay depends on the amount you want to withdraw. For instance, if you’re going to withdraw Ksh. 500, you will be charged Ksh 29.
Q: How much can I withdraw from MPESA in a day?
A: You can withdraw up to Ksh. 500,000 from M-PESA in a day. However, you can only withdraw a maximum of Ksh. 250,000 in one transaction.
Q: How much does it cost to withdraw Ksh 500 from an M-PESA agent?
A: Safaricom charges Ksh. 29 to withdraw Ksh. 500. This is an increase of Ksh. 2 from the previous rates.
Q: How much does it cost to send money from M-PESA to an unregistered user?
A: As of February 5, 2024, Safaricom officially stopped allowing MPESA money transfers to unregistered users. You can no longer send money to a user who does not have an active mobile money account.
Q: How often can I withdraw money from my MPESA account?
A: You can withdraw money from your M-PESA account as many times as possible. However, the maximum amount you can withdraw in a day is Ksh. 500,000.
Q: How much does it cost to transfer money from M-PESA to another mobile money service provider?
A: If you want to transfer money from MPESA to another mobile money service provider, such as T-Kash or Airtel Money, you will be charged a fee of Ksh. 0 for any amount less than Ksh. 100.
