M-Pesa Withdrawal Charges 2026
Last updated: 21 October 2026
Agent withdrawal charges
The minimum cash withdrawal at an M-Pesa agent is KSh 50. Fees rise with the amount.
| Withdrawal amount (KSh) | Fee (KSh) |
|---|---|
| 50 to 100 | 11 |
| 101 to 2,500 | 29 |
| 2,501 to 3,500 | 52 |
| 3,501 to 5,000 | 69 |
| 5,001 to 7,500 | 87 |
| 7,501 to 10,000 | 115 |
| 10,001 to 15,000 | 167 |
ATM withdrawal charges
Cardless ATM withdrawals start at KSh 200. Banks may show their own extra charge on the ATM screen, so check before you confirm.
| ATM amount (KSh) | Fee (KSh) |
|---|---|
| 200 to 2,500 | 35 |
| 2,501 to 5,000 | 69 |
| 5,001 to 10,000 | 115 |
| 10,001 to 35,000 | 203 |
Examples
Withdrawing KSh 500 costs KSh 29, KSh 1,000 costs KSh 29, KSh 3,000 costs KSh 52, KSh 5,000 costs KSh 69 and KSh 10,000 costs KSh 115 at an agent. Use the full calculator for your exact amount.
How to pay less
Pay by Buy Goods instead of withdrawing, withdraw less often in larger amounts, and compare agent and ATM fees for your amount. For example, KSh 10,000 costs KSh 115 at both an agent and the ATM tariff, while KSh 3,000 costs KSh 52 at an agent but KSh 69 at an ATM.
Check before you withdraw
Tariffs can change. Confirm in your M-Pesa app or on safaricom.co.ke, and never share your PIN with an agent. Amounts above KSh 15,000 are not listed here because we could not confirm those bands from the official page.
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.
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Join ZangCash freeFrequently asked questions
What is the minimum M-Pesa withdrawal?
KSh 50 at an agent and KSh 200 at an ATM.
How much does it cost to withdraw KSh 1,000?
KSh 29 at an agent.
Is the ATM cheaper than an agent?
It depends on the amount. Compare the tables above.
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