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.
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