M-Pesa Charges 2026: Send and Withdraw Fees
Last updated: 21 October 2026
Check your M-Pesa fee
Enter an amount to see what Safaricom charges to send money, withdraw at an agent or withdraw at an ATM.
Fees from the Safaricom consumer tariff page, checked October 2026. Tariffs can change, so confirm in your M-Pesa app or on safaricom.co.ke before large transfers. We cover amounts up to KSh 15,000 here and leave out higher bands we could not confirm from the official page.
M-Pesa send money charges
Sending money to another M-Pesa user costs the same as sending to other registered mobile money networks such as Airtel Money and T-Kash. Small amounts are free.
| Amount sent (KSh) | Fee (KSh) |
|---|---|
| 1 to 49 | Free |
| 50 to 100 | Free |
| 101 to 500 | 7 |
| 501 to 1,000 | 13 |
| 1,001 to 1,500 | 23 |
| 1,501 to 2,500 | 33 |
| 2,501 to 3,500 | 53 |
| 3,501 to 5,000 | 57 |
| 5,001 to 7,500 | 78 |
| 7,501 to 10,000 | 90 |
| 10,001 to 15,000 | 100 |
Examples: how much does it cost to send money?
Sending KSh 1,000 costs KSh 13. Sending KSh 2,000 costs KSh 33. Sending KSh 3,000 costs KSh 53. Sending KSh 5,000 costs KSh 57. Sending KSh 10,000 costs KSh 90. Amounts up to KSh 100 are free.
Withdrawing at an agent
Withdrawing KSh 1,000 costs KSh 29, KSh 5,000 costs KSh 69 and KSh 10,000 costs KSh 115. The minimum agent withdrawal is KSh 50. See our withdrawal charges page for every band.
Limits to know
The maximum per transaction is KSh 250,000, the maximum daily transaction limit is KSh 500,000 and the maximum account balance is KSh 500,000.
Ways to pay less
Paying a Buy Goods till is free for the customer, so paying directly from M-Pesa is cheaper than withdrawing cash first. Sending one larger transfer instead of many small ones can also cost less, because fees are flat per band. Pochi la Biashara merchants had a promotional customer tariff for three months from 1 August 2026, so check whether it is still running.
Earning through M-Pesa
Since withdrawal fees take a share of small payouts, plan your withdrawals. If you earn online, such as through ZangCash, withdraw when you reach a sensible amount instead of many tiny withdrawals. See our M-Pesa jobs guide.
ZangCash agents earn a commission for each genuine customer request they refer. Joining is free. Earnings depend on real requests, so treat it as a side income, not a salary.
Join ZangCash freeFrequently asked questions
How much does it cost to send KSh 1,000 on M-Pesa?
KSh 13 under the current Safaricom tariff.
Is sending money under KSh 100 free?
Yes, sending up to KSh 100 to a registered number is free.
Do charges differ for Airtel Money?
No. Safaricom lists the same send fee for other registered mobile money networks.
Where do I confirm current fees?
On the official Safaricom M-Pesa charges page or in your M-Pesa app.
Disclosure: some links on this site are affiliate links to ZangCash. See our affiliate disclosure.