New Mpesa Withdrawal and Sending Charges (2025-2026)

M-Pesa continues to dominate mobile money transfers in Kenya, offering convenience for sending money and making withdrawals. As of 2025, Safaricom has updated its M-Pesa transaction charges to reflect changes in the financial ecosystem. Below are the latest details to guide your transactions.

1. Mpesa Withdrawal Charges (2025-2026)

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. Mpesa Transfer Charges (Registered Users)

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

The charges for Pochi La Biashara are similar to those for registered users.

4. Mpesa Transfer Charges to Other Networks (e.g., 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. Mpesa 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. Mpesa 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: Ksh 500,000
Maximum Daily Transaction Value: Ksh 500,000
Maximum Per Transaction Amount: Ksh 250,000
Minimum Withdrawal Amount: Ksh 50
Mpesa Reversal: To reverse a transaction, forward the confirmation message to 456.
Earn Bonga Points: Transact and earn loyalty points.

These updated charges for 2025-2026 ensure that users can continue to benefit from M-Pesa’s reliable and secure services while making informed financial decisions.