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New M-Pesa Withdrawal and Sending Charges for 2025-2026

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 – 49Free
50 – 10011
101 – 50029
501 – 1,00029
1,001 – 1,50029
1,501 – 2,50029
2,501 – 3,50052
3,501 – 5,00069
5,001 – 7,50087
7,501 – 10,000115
10,001 – 15,000167
15,001 – 20,000185
20,001 – 35,000197
35,001 – 50,000278
50,001 – 250,000309

2. M-Pesa Transfer Charges (Registered Users)

Transaction Range (KSHs)Charges (KSHs)
1 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

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 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

4. Transfer Charges to Other Mobile Networks (e.g., Airtel, Telkom)

Transaction Range (KSHs)Charges (KSHs)
1 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

5. Transfer Charges to Unregistered Users

Transaction Range (KSHs)Charges (KSHs)
101 – 50047
501 – 1,00051
1,001 – 1,50061
1,501 – 2,50076
2,501 – 3,500115
3,501 – 5,000139
5,001 – 7,500171
7,501 – 10,000211
10,001 – 15,000273
15,001 – 20,000296
20,001 – 35,000309
35,001 – 50,000318
50,001 – 250,000318

6. M-Pesa ATM Withdrawal Charges

Transaction Range (KSHs)Charges (KSHs)
200 – 2,50035
2,501 – 5,00069
5,001 – 10,000115
10,001 – 35,000203

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.

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