M-Pesa remains a vital tool in Kenya’s financial ecosystem, offering secure and convenient mobile money transfer services. Since its inception in 2007 by Vodafone for Safaricom, M-Pesa has revolutionized money transactions within Kenya and beyond. As of 2025, Safaricom has updated its withdrawal and sending charges to reflect the current financial landscape. Here’s a comprehensive guide:
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 Transfer 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
Pochi La Biashara offers similar charges to registered M-Pesa 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
4. Transfer Charges to Other Mobile 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. Transfer Charges 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. 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 for M-Pesa Users
Transaction Limits:
Maximum Daily Transaction: KES 500,000.
Maximum Per Transaction: KES 250,000.
Maximum Account Balance: KES 500,000.
Minimum Withdrawal Amount:
KES 50 at M-Pesa agent outlets.
Reversals:
Send the transaction confirmation message to 456 to initiate a reversal.
Loyalty Rewards:
Earn Bonga Points for every transaction.
Conclusion
M-Pesa’s updated charges ensure transparency and affordability for its users in 2025-2026. Whether you’re transferring money locally or across mobile networks, these fees provide a clear structure for seamless transactions. Staying informed about these charges will help you make cost-effective and informed financial decisions.
