M-Pesa, Kenya’s premier mobile money transfer service launched in 2007 by Vodafone for Safaricom, continues to offer unmatched convenience in financial transactions. With M-Pesa, users can send money across Kenya and beyond. To keep users informed, Safaricom has updated the withdrawal and sending charges for 2025-2026.
Below is a comprehensive breakdown of the new charges:
1. M-Pesa Withdrawal Charges (2025)
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 Sending 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
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. M-Pesa Transfer Charges to Other Networks (Telkom & Airtel)
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. M-Pesa 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
Maximum Limits:
Maximum daily transaction value: KES 500,000
Maximum amount per transaction: KES 250,000
Maximum account balance: KES 500,000
Minimum Withdrawals:
Withdrawals below KES 50 are not permitted.
Reversal Process:
To reverse a transaction, send the confirmation message to 456.
Bonga Points:
Earn Bonga Points for every M-Pesa transaction.
Conclusion
M-Pesa remains a vital tool for money transfers in Kenya, offering secure, fast, and reliable services. By staying informed about the updated charges, you can plan your transactions better and make cost-effective financial decisions.
Nyongesa Sande is a seasoned writer, editor, and digital publisher passionate about delivering high-quality, SEO-optimized content across diverse fields including politics, technology, culture, business, and sports. As the founder and driving force behind NyongesaSande.com, he has built a trusted platform that blends in-depth reporting with accessible storytelling, making complex issues understandable to a broad audience. With a strong background in East African and global affairs, Sande is dedicated to providing readers with accurate, engaging, and impactful insights that both inform and inspire.
