M-Pesa, Kenya’s pioneering mobile money transfer service launched by Safaricom in 2007, continues to revolutionize money transactions. From sending money locally to international transfers, M-Pesa remains an essential service for millions of Kenyans.
Below are the updated M-Pesa withdrawal and sending charges for 2025-2026, ensuring users stay informed and plan transactions efficiently.
1. M-Pesa Withdrawal Charges (2025)
| Transaction Range (KES) | Charges (KES) |
|---|---|
| 1 – 49 | Free |
| 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 |
| 7,500 – 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 |
2. M-Pesa Sending Charges (Registered Users)
| Transaction Range (KES) | Charges (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 |
| 7,500 – 10,000 | 90 |
| 10,001 – 15,000 | 100 |
| 15,001 – 20,000 | 105 |
| 20,001 – 35,000 | 108 |
| 35,001 – 50,000 | 108 |
| 50,001 – 250,000 | 108 |
3. Pochi La Biashara Charges
| Transaction Range (KES) | Charges (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 |
| 7,500 – 10,000 | 90 |
| 10,001 – 15,000 | 100 |
| 15,001 – 20,000 | 105 |
| 20,001 – 35,000 | 108 |
| 35,001 – 50,000 | 108 |
| 50,001 – 250,000 | 108 |
4. Charges for Transfers to Other Networks (Telkom and Airtel)
| Transaction Range (KES) | Charges (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 |
| 7,500 – 10,000 | 90 |
| 10,001 – 15,000 | 100 |
| 15,001 – 20,000 | 105 |
| 20,001 – 35,000 | 108 |
| 35,001 – 50,000 | 108 |
| 50,001 – 250,000 | 108 |
5. Charges for Transfers to Unregistered Users
| Transaction Range (KES) | Charges (KES) |
|---|---|
| 1 – 49 | N/A |
| 50 – 100 | N/A |
| 101 – 500 | 47 |
| 501 – 1,000 | 51 |
| 1,001 – 1,500 | 61 |
| 1,501 – 2,500 | 76 |
| 2,501 – 3,500 | 115 |
| 3,501 – 5,000 | 139 |
| 5,001 – 7,500 | 171 |
| 7,500 – 10,000 | 211 |
| 10,001 – 15,000 | 273 |
| 15,001 – 20,000 | 296 |
| 20,001 – 35,000 | 309 |
| 35,001 – 50,000 | 318 |
| 50,001 – 250,000 | 318 |
6. M-Pesa ATM Withdrawal Charges
| Transaction Range (KES) | Charges (KES) |
|---|---|
| 200 – 2,500 | 35 |
| 2,501 – 5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001 – 35,000 | 203 |
Important Notes
- Transaction Limits:
- Maximum daily transaction value: KES 500,000
- Maximum per transaction: KES 250,000
- Maximum account balance: KES 500,000
- Minimum Withdrawal:
- At agent outlets: KES 50
- Reversal Process:
- Send the transaction confirmation message to 456 for reversals.
- Bonga Points:
- Earn points for every transaction made via M-Pesa.
Conclusion
The updated M-Pesa charges for 2025-2026 ensure transparency and affordability for users across different transaction ranges. With clear guidelines, M-Pesa continues to solidify its position as Kenya’s leading mobile money service. Stay informed to optimize your M-Pesa usage effectively.