M-PESA charges will depend on the amount you are sending or withdrawing. You can use your M-PESA menu to buy airtime for your phone, or for someone else. This service is free and you will only pay for the airtime purchased.

Withdrawal from M-PESA Agent

Min(KSHs.)Max(KSHs.)M-PESA Charges
149N/A
5010010
10150027
5011,00028
1,0011,50028
1,5012,50028
2,5013,50050
3,5015,00067
5,0017,50084
7,50110,000112
10,00115,000162
15,00120,000180
20,00135,000191
35,00150,000270
50,001150,000300

Transfer to Unregistered Users

Min(KSHs.)Max(KSHs.)M-PESA Charges
149N/A
50100N/A
10150045
5011,00049
1,0011,50059
1,5012,50074
2,5013,500112
3,5015,000135
5,0017,500166
7,50110,000205
10,00115,000265
15,00120,000288
20,00135,000309
35,00150,000N/A
50,001150,000N/A

Transfer to other M-PESA Users, Pochi La Biashara and Business Till To customer

Min(KSHs.)Max(KSHs.)M-PESA Charges
149FREE
50100FREE
1015006
5011,00012
1,0011,50022
1,5012,50032
2,5013,50051
3,5015,00055
5,0017,50075
7,50110,00087
10,00115,00097
15,00120,000102
20,00135,000105
35,00150,000105
50,001150,000105

Transfer to other Mobile Money Users

Min(KSHs.)Max(KSHs.)M-PESA Charges
149FREE
50100FREE
1015006
5011,00012
1,0011,50022
1,5012,50032
2,5013,50051
3,5015,00055
5,0017,50075
7,50110,00087
10,00115,00097
15,00120,000102
20,00135,000105
35,00150,000105
50,001150,000105

ATM Withdrawal

Min(KSHs.)Max(KSHs.)M-PESA Charges
2002,50034
2,5015,00067
5,00110,000112
10,00120,000197

Other Transactions

Other TransactionsKshs.
All DespositsFREE
M-PESA RegistrationFREE
Buying Airtime through M-PESAFREE
M-PESA balance EnquiryFREE
Change M-PESA PINFREE

NOTE:

  • Maximum Account Balance is KSHs.300,000
  • Maximum Daily Transaction Value is KSHs.300,000.Maximum per transaction is KSHs.150,000
  • You cannot withdraw less than KSHs.50 at an M-PESA agent outlet.
  • To initiate M-PESA person to person self reversal, send the transaction confirmation message to 456
  • To transact, your Safaricom line and M-PESA account must be active
  • At an agent outlet, you cannot deposit money directly into another M-PESA customer’s account
  • You earn Bonga points when you transact on M-PESA.
  • To transact at any M-PESA Agent outlet, you will be required to produce your original identification document, i.e., National ID or Kenyan Passport.
  • Dial *234# to view applicable charges or use M-PESA cost calculator on mySafaricom App
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