M-PESA Charges – Mpesa Withdrawal Charges
Safaricom has updated its M-PESA transaction charges for 2025, harmonizing fees across networks. Whether you’re sending money to another M-PESA user or to users on other mobile money platforms like Airtel Money and T-Kash, the charges remain consistent.
Here’s a breakdown of the current M-PESA transaction charges:
| Transaction Amount (KSh) | Transfer to M-PESA Users (KSh) | Transfer to Other Mobile Money Users (KSh) |
|---|---|---|
| 1 – 49 | Free | Free |
| 50 – 100 | Free | Free |
| 101 – 500 | 7 | 7 |
| 501 – 1,000 | 13 | 13 |
| 1,001 – 1,500 | 23 | 23 |
| 1,501 – 2,500 | 33 | 33 |
| 2,501 – 3,500 | 53 | 53 |
| 3,501 – 5,000 | 57 | 57 |
| 5,001 – 7,500 | 78 | 78 |
| 7,501 – 10,000 | 90 | 90 |
| 10,001 – 15,000 | 100 | 100 |
| 15,001 – 20,000 | 105 | 105 |
| 20,001 – 35,000 | 108 | 108 |
| 35,001 – 50,000 | 108 | 108 |
| 50,001 – 250,000 | 108 | 108 |
Note: Transactions between KSh 1 and KSh 100 are free of charge.
M-PESA Withdrawal Charges from Agents – Mpesa Transaction Charges
Withdrawing cash from M-PESA agents incurs fees based on the amount withdrawn. Below is the updated withdrawal charges chart:
| Transaction Amount (KSh) | Withdrawal Fee (KSh) |
|---|---|
| 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 |
Note: Withdrawals below KSh 50 are not permitted.
M-PESA ATM Withdrawal Charges
For those preferring ATM withdrawals, the following charges apply:
| Transaction Amount (KSh) | ATM Withdrawal Fee (KSh) |
|---|---|
| 200 – 2,500 | 35 |
| 2,501 – 5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001 – 35,000 | 203 |
Key M-PESA Limits and Free Services
- Maximum Account Balance: KSh 500,000
- Maximum Daily Transaction Value: KSh 500,000
- Maximum Amount per Transaction: KSh 250,000
Free Services Include:
- All Deposits
- M-PESA Registration
- Buying Airtime through M-PESA
- M-PESA Balance Enquiry
- Changing M-PESA PIN
Download the M-PESA Charges Chart
For a comprehensive view, you can download the official M-PESA charges chart in PDF format from Safaricom’s website:
Staying informed about M-PESA charges ensures you can manage your finances effectively and avoid unexpected fees.
Steve George is Blogger, a marketer and content writer. He has B.A. in Economics from the University of Washington. Read more about Mzuri Mag.
