M-Pesa, Kenya’s leading mobile money transfer service, continues to set the standard for secure, fast, and convenient transactions. Launched in 2007 by Vodafone and Safaricom, M-Pesa has become a lifeline for millions, enabling Kenyans to send money domestically and internationally. Below are the updated withdrawal and sending charges for 2025-2026, providing a clear breakdown for M-Pesa users.
1. M-Pesa Withdrawal Charges (2025)
Transaction Range (KES)
Charges (KES)
1 – 49
Free
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
2. M-Pesa Sending Charges for Registered Users (2025)
Transaction Range (KES)
Charges (KES)
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
3. Pochi La Biashara Charges
Transaction Range (KES)
Charges (KES)
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
4. M-Pesa Transfer Charges to Other Mobile Networks (Telkom, Airtel)
Transaction Range (KES)
Charges (KES)
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. M-Pesa Transfer Charges to Unregistered Users
Transaction Range (KES)
Charges (KES)
1 – 49
N/A
50 – 100
N/A
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
309
35,001 – 50,000
318
50,001 – 250,000
318
6. M-Pesa ATM Withdrawal Charges
Transaction Range (KES)
Charges (KES)
200 – 2,500
35
2,501 – 5,000
69
5,001 – 10,000
115
10,001 – 35,000
203
Important Notes
Maximum Account Balance: KES 500,000
Maximum Daily Transaction Limit: KES 500,000
Maximum Per Transaction: KES 250,000
Minimum Withdrawal Amount: KES 50
Reversal Requests: Forward transaction confirmation to 456
Bonga Points: Earn points for every M-Pesa transaction
M-Pesa continues to lead as the most trusted mobile money platform in Kenya, ensuring affordable, transparent, and efficient financial services for all. These updates for 2025-2026 reflect Safaricom’s commitment to empowering its users while maintaining cost-effectiveness.
