M-Pesa continues to be Kenya’s most reliable mobile money transfer service, allowing users to send and withdraw money conveniently across the country and internationally. Safaricom has introduced updated transaction charges for 2025-2026. This guide provides a detailed breakdown of the latest withdrawal and sending charges to help users stay informed and make cost-effective financial decisions.
1. M-Pesa Withdrawal Charges (2025-2026)
Transaction Range (KSHs)
Charges (KSHs)
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
7,501 – 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
2. M-Pesa Transfer Charges (Registered Users)
Transaction Range (KSHs)
Charges (KSHs)
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 – 50,000
108
50,001 – 250,000
108
3. Pochi La Biashara Charges
The charges for Pochi La Biashara, M-Pesa’s business wallet, mirror those for registered users:
Transaction Range (KSHs)
Charges (KSHs)
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 – 50,000
108
50,001 – 250,000
108
4. Transfer Charges to Other Mobile Networks (e.g., Airtel, Telkom)
Transaction Range (KSHs)
Charges (KSHs)
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 – 50,000
108
50,001 – 250,000
108
5. Transfer Charges to Unregistered Users
Transaction Range (KSHs)
Charges (KSHs)
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
7,501 – 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 (KSHs)
Charges (KSHs)
200 – 2,500
35
2,501 – 5,000
69
5,001 – 10,000
115
10,001 – 35,000
203
Important Notes for M-Pesa Users
Maximum Account Balance: Ksh 500,000
Maximum Daily Transaction Value: Ksh 500,000
Maximum Per Transaction Amount: Ksh 250,000
Minimum Withdrawal Amount at Agents: Ksh 50
Reversal Procedure: Send the transaction confirmation message to 456.
Earn Bonga Points: Every M-Pesa transaction earns points for rewards.
Conclusion
The updated M-Pesa charges for 2025-2026 reflect Safaricom’s commitment to providing affordable and accessible financial services. Staying informed about these charges ensures users can maximize their savings and make cost-effective decisions. Whether you’re sending money, withdrawing, or using Pochi La Biashara, M-Pesa remains a convenient and reliable mobile money platform.
