Table of Contents
- 1 🔍 What Are the New M-PESA Charges in 2025?
- 2 💸 M-PESA Person-to-Person (P2P) Transfer Charges – 2025
- 3 🏧 M-PESA Withdrawal Charges (Agent & ATM) – 2025
- 4 🏢 Business Transactions: PayBill, B2C & B2B Charges – 2025
- 5 🧾 M-PESA Transaction Limits in 2025
- 6 🆓 Free M-PESA Services in 2025
- 7 📝 Summary: What You Should Know
- 8 📌 Final Thoughts
🔍 What Are the New M-PESA Charges in 2025?
In 2025, Safaricom launched new harmonized M-PESA tariffs to assist monetary inclusivity and align with regulatory modifications. The new construction covers:
- Person-to-person transfers (P2P)
- Withdrawals by way of agent or ATM
- PayBill and Business-to-Customer (B2C) providers
- Business-to-Business (B2B) tariffs
These modifications have an effect on each in-network and cross-network M-PESA transfers (to Airtel Money, T-Kash, and so forth.).
📖 Source: Safaricom Official M-PESA Charges PDF
💸 M-PESA Person-to-Person (P2P) Transfer Charges – 2025
M-PESA now makes use of a flat tariff system for each inner and cross-network transfers. That means sending cash to Airtel Money, T-Kash, or different wallets prices the identical as M-PESA-to-M-PESA.
| Amount Sent (KES) | New Fee (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 – 250,000 | 108 |
📌 Source: Tuko.co.ke – 2025 M-PESA Tariffs Breakdown
🏧 M-PESA Withdrawal Charges (Agent & ATM) – 2025
👤 Agent Withdrawal Fees
| Amount Withdrawn (KES) | Fee (KES) |
|---|---|
| 50 – 100 | 11 |
| 101 – 500 | 29 |
| 501 – 1,000 | 29 |
| 1,001 – 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 |
🏦 ATM Withdrawals
| Amount (KES) | Fee (KES) |
|---|---|
| 200 – 2,500 | 35 |
| 2,501 – 5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001 – 35,000 | 203 |
🔗 Check Official Guide: M-PESA Personal Tariff PDF
🏢 Business Transactions: PayBill, B2C & B2B Charges – 2025
✅ PayBill (Customer to Business)
Under the Mgao Tariff, costs are break up between the client and the enterprise.
| Amount (KES) | Customer Pays | Merchant Pays | Total Cost |
|---|---|---|---|
| 101 – 500 | Ksh 5 | Ksh 0 | Ksh 5 |
| 501 – 1,000 | Ksh 10 | Ksh 0 | Ksh 10 |
| 1,001 – 1,500 | Ksh 15 | Ksh 0 | Ksh 15 |
| 35,001 – 250,000 | Ksh 24 | Ksh 84 | Ksh 108 |
🔗 Details: Safaricom PayBill Tariff (Mgao Model)
👨💼 B2C (Business to Customer)
This applies to disbursements like:
- NGO funds
- Loan payouts
- Salaries
Recipients obtain full quantities, however withdrawal charges apply afterward.
🔗 Learn More: Safaricom B2C Service
🔄 B2B (Business to Business)
| Amount (KES) | Fee (KES) |
|---|---|
| 1 – 49 | 2 |
| 50 – 100 | 3 |
| 101 – 500 | 8 |
| 501 – 1,000 | 13 |
| 1,001 – 2,500 | 25 |
| 5,001 – 10,000 | 54 |
| Up to 50M | Max 115 |
🔗 View Full B2B Tariff: Safaricom B2B Tariff Guide (PDF)
🧾 M-PESA Transaction Limits in 2025
| Type | Limit |
|---|---|
| Per Transaction Limit | Ksh 250,000 |
| Daily Limit | Ksh 500,000 |
| Daily Transactions | Up to 100 |
| Minimum Transfer | Ksh 1 |
🔗 Details: M-PESA Official Site
🆓 Free M-PESA Services in 2025
M-PESA nonetheless presents a number of providers for free, together with:
- Sending cash between Ksh 1–100
- Buying airtime (for your self or others)
- Depositing cash to M-PESA
- PIN modifications and stability checks
📌 Source: Safaricom Free Services List
📝 Summary: What You Should Know
- Person-to-person transfers now have flat charges throughout networks.
- Withdrawal charges are greater in 2025, particularly for small quantities.
- PayBill costs now use a cost-sharing mannequin (Mgao Tariff).
- ATM and agent withdrawals stay frequent however pricey.
- B2C/B2B charges assist companies disburse or pay securely by way of M-PESA.
📌 Final Thoughts
The 2025 M-PESA costs mirror a broader shift towards interoperability, digital inclusivity, and enterprise flexibility. While some charges have elevated, the streamlined construction makes transactions extra predictable—particularly for companies and bulk customers.
For the newest updates, test the official Safaricom portal right here:
🔗 https://www.safaricom.co.ke/personal/m-pesa/mpesa-charges
