M-PESA Send Money Charges 2026 – Cost to Send Money in Kenya
M-PESA Send Money Charges 2026
Estimate the cost of sending money to M-PESA users and other registered mobile money users in Kenya.
This guide explains M-PESA send money charges 2026 for transferring money in Kenya. It covers transfers to M-PESA users, Pochi La Biashara, Business Till to customer, and other registered mobile money users.
Use the calculator and table below to estimate the transfer fee before sending money.
M-PESA Send Money Charges Calculator
M-PESA Send Money Charges 2026 Table
| Amount Sent | To M-PESA Users / Pochi / Business Till Customer | To Other Registered Mobile Money Users |
|---|---|---|
| Ksh 1 – 49 | Free | Free |
| Ksh 50 – 100 | Free | Free |
| Ksh 101 – 500 | Ksh 7 | Ksh 7 |
| Ksh 501 – 1,000 | Ksh 13 | Ksh 13 |
| Ksh 1,001 – 1,500 | Ksh 23 | Ksh 23 |
| Ksh 1,501 – 2,500 | Ksh 33 | Ksh 33 |
| Ksh 2,501 – 3,500 | Ksh 53 | Ksh 53 |
| Ksh 3,501 – 5,000 | Ksh 57 | Ksh 57 |
| Ksh 5,001 – 7,500 | Ksh 78 | Ksh 78 |
| Ksh 7,501 – 10,000 | Ksh 90 | Ksh 90 |
| Ksh 10,001 – 15,000 | Ksh 100 | Ksh 100 |
| Ksh 15,001 – 20,000 | Ksh 105 | Ksh 105 |
| Ksh 20,001 – 35,000 | Ksh 108 | Ksh 108 |
| Ksh 35,001 – 50,000 | Ksh 108 | Ksh 108 |
| Ksh 50,001 – 250,000 | Ksh 108 | Ksh 108 |
Example 1: Sending Ksh 500
| Amount sent | Ksh 500 |
|---|---|
| Estimated transfer fee | Ksh 7 |
| Approximate total deducted | Ksh 507 |
Example 2: Sending Ksh 1,000
| Amount sent | Ksh 1,000 |
|---|---|
| Estimated transfer fee | Ksh 13 |
| Approximate total deducted | Ksh 1,013 |
Example 3: Sending Ksh 10,000
| Amount sent | Ksh 10,000 |
|---|---|
| Estimated transfer fee | Ksh 90 |
| Approximate total deducted | Ksh 10,090 |
Example 4: Sending Ksh 50,000
| Amount sent | Ksh 50,000 |
|---|---|
| Estimated transfer fee | Ksh 108 |
| Approximate total deducted | Ksh 50,108 |
How to Check M-PESA Send Money Charges Before Sending
- Open M-PESA on SIM toolkit, M-PESA app or MySafaricom app.
- Select Send Money.
- Enter the recipient phone number.
- Enter the amount you want to send.
- Review the confirmation screen carefully.
- Confirm the recipient name, amount and transaction charge before entering your M-PESA PIN.
Sending to M-PESA Users vs Other Mobile Money Users
| Feature | M-PESA User | Other Registered Mobile Money User |
|---|---|---|
| Use case | Sending to Safaricom M-PESA users | Sending to registered users on other mobile money networks |
| Charge structure | Tiered by transaction amount | Often harmonised with M-PESA-to-M-PESA transfer bands |
| Best safety check | Confirm recipient name | Confirm recipient name and mobile network details |
Use the Full M-PESA Charges Calculator
Estimate send money fees, agent withdrawal charges and ATM withdrawal fees from one page.
Open M-PESA Charges CalculatorTips to Reduce M-PESA Sending Mistakes
- Always confirm the recipient name before entering your PIN.
- Check the transaction charge before confirming.
- Do not share your PIN, OTP or account details.
- Use Hakikisha or the confirmation screen to verify the recipient.
- Save the confirmation SMS until the recipient confirms receipt.
Related M-PESA Guides
Frequently Asked Questions
How much does M-PESA charge to send money?
M-PESA send money charges depend on the amount sent. In the listed 2026 bands, sending Ksh 1–100 is free, while larger transfers attract tiered charges.
Is sending Ksh 100 on M-PESA free?
In the listed bands, sending Ksh 1–100 is free.
How much does it cost to send Ksh 1,000 on M-PESA?
In the listed bands, sending Ksh 1,000 costs an estimated Ksh 13.
How much does it cost to send Ksh 10,000 on M-PESA?
In the listed bands, sending Ksh 10,000 costs an estimated Ksh 90.
Is this an official Safaricom page?
No. This is an independent guide. Always confirm current M-PESA charges from official Safaricom or M-PESA channels.