📢 New M-PESA Charges in Kenya for 2025: Updated Tariffs, Fees & Limits

🔍 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

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💸 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

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🏧 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Amount Withdrawn (KES)	Fee (KES)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

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🏢 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)

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🧾 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

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🆓 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

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📝 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.

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📌 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