M-PESA Charges 2026 – Send Money, Withdrawal and ATM Fees

This guide explains M-PESA charges 2026 for sending money, withdrawing from an agent, and ATM withdrawals in Kenya.

It is designed for users who want a simple M-PESA charges table, quick examples, common transaction limits, and a link to a free M-PESA charges calculator.

Important Notice: This article gives independent estimates only. Always confirm the final transaction fee from Safaricom, M-PESA, the M-PESA app, MySafaricom app, SIM toolkit, USSD menu, or the transaction confirmation prompt before sending or withdrawing money.

Quick Summary of M-PESA Charges 2026

M-PESA charges depend on the transaction amount and the type of transaction. The main charges most users check are:

• Sending money to registered M-PESA users
• Sending money to other registered mobile money users
• Withdrawing money from an M-PESA agent
• Withdrawing from an ATM

For quick calculation, use the calculator linked below.

Use the Free M-PESA Charges Calculator

Enter any amount and estimate the M-PESA send money, agent withdrawal or ATM withdrawal charge instantly.

Open M-PESA Charges Calculator

Maximum single transaction Ksh 250,000

Maximum daily transaction value Ksh 500,000

Maximum account balance Ksh 500,000

Note: M-PESA charges and limits may change. Always confirm current limits and final fees from official Safaricom and M-PESA channels.

M-PESA Send Money and Withdrawal Charges 2026

Amount Range	Send to M-PESA / Pochi / Business Till	Send to Other Mobile Money	Agent Withdrawal
Ksh 1 – 49	Free	Free	N/A
Ksh 50 – 100	Free	Free	Ksh 11
Ksh 101 – 500	Ksh 7	Ksh 7	Ksh 29
Ksh 501 – 1,000	Ksh 13	Ksh 13	Ksh 29
Ksh 1,001 – 1,500	Ksh 23	Ksh 23	Ksh 29
Ksh 1,501 – 2,500	Ksh 33	Ksh 33	Ksh 29
Ksh 2,501 – 3,500	Ksh 53	Ksh 53	Ksh 52
Ksh 3,501 – 5,000	Ksh 57	Ksh 57	Ksh 69
Ksh 5,001 – 7,500	Ksh 78	Ksh 78	Ksh 87
Ksh 7,501 – 10,000	Ksh 90	Ksh 90	Ksh 115
Ksh 10,001 – 15,000	Ksh 100	Ksh 100	Ksh 167
Ksh 15,001 – 20,000	Ksh 105	Ksh 105	Ksh 185
Ksh 20,001 – 35,000	Ksh 108	Ksh 108	Ksh 197
Ksh 35,001 – 50,000	Ksh 108	Ksh 108	Ksh 278
Ksh 50,001 – 250,000	Ksh 108	Ksh 108	Ksh 309

M-PESA ATM Withdrawal Charges 2026

ATM Withdrawal Range	Estimated ATM Charge
Ksh 200 – 2,500	Ksh 35
Ksh 2,501 – 5,000	Ksh 69
Ksh 5,001 – 10,000	Ksh 115
Ksh 10,001 – 35,000	Ksh 203

Simple example: If you send Ksh 5,000 to a registered M-PESA user, use the Ksh 3,501 – 5,000 band. If you withdraw Ksh 5,000 from an agent, use the same amount band under the agent withdrawal column.

Example 1: M-PESA Charge for Sending Ksh 500

Transaction	Send money to registered M-PESA user
Amount	Ksh 500
Band	Ksh 101 – 500
Estimated charge	Ksh 7

Example 2: M-PESA Charge for Sending Ksh 5,000

Transaction	Send money to registered M-PESA user
Amount	Ksh 5,000
Band	Ksh 3,501 – 5,000
Estimated charge	Ksh 57

Example 3: M-PESA Agent Withdrawal for Ksh 10,000

Transaction	Withdraw from M-PESA agent
Amount	Ksh 10,000
Band	Ksh 7,501 – 10,000
Estimated charge	Ksh 115

How to Check M-PESA Charges Before Sending Money

1. Enter the recipient number or choose the M-PESA transaction option.
2. Enter the amount you want to send or withdraw.
3. Check the M-PESA confirmation screen before entering your PIN.
4. Confirm the displayed transaction charge.
5. Only enter your M-PESA PIN if the details are correct.

Safety reminder: Never enter your M-PESA PIN on a website. You should only enter your PIN on the official M-PESA prompt, SIM toolkit, MySafaricom app or official M-PESA interface.

Why M-PESA Charges Matter

M-PESA fees may look small on one transaction, but they can add up for people who send money often, withdraw frequently, run a business, pay suppliers or collect customer payments.

Checking the charges before transacting helps with budgeting, business pricing, reconciliation and customer communication.

Related M-PESA Guides

Continue with our free M-PESA tools and guides.

M-PESA Charges Calculator PayPal to M-PESA Guide M-PESA Payment Gateway

Frequently Asked Questions

How much does M-PESA charge to send money?

M-PESA send money charges depend on the amount sent and the type of recipient. Small transactions may be free, while larger transaction bands have different charges.

How much does it cost to withdraw money from an M-PESA agent?

Agent withdrawal charges depend on the withdrawal amount. Agent withdrawals below Ksh 50 are not available.

Is sending Ksh 100 on M-PESA free?

In the listed bands, sending Ksh 1 to Ksh 100 to registered users is shown as free. Always confirm on the M-PESA confirmation prompt before completing the transaction.

What is the maximum amount I can send on M-PESA?

The listed maximum per transaction is Ksh 250,000, while the listed daily transaction value and maximum account balance are Ksh 500,000.

Is this an official Safaricom page?

No. This is an independent guide. Always confirm final M-PESA charges, limits and rules from official Safaricom or M-PESA platforms.

Official References

• Safaricom M-PESA Charges
• Safaricom M-PESA Information

This guide is a simplified independent estimate only. It does not replace official Safaricom, M-PESA, legal, tax, banking or financial advice.