M-PESA Withdrawal Charges 2026 – Agent and ATM Withdrawal Fees
This guide explains M-PESA withdrawal charges 2026 for withdrawing money from an M-PESA agent or ATM in Kenya.
Use the tables and calculator below to estimate the withdrawal fee before you remove money from your M-PESA account.
Quick Summary of M-PESA Withdrawal Charges 2026
M-PESA withdrawal charges depend on the amount you withdraw and the withdrawal channel. The two common withdrawal options are:
- M-PESA agent withdrawal – withdrawing cash from an M-PESA agent.
- M-PESA ATM withdrawal – withdrawing cash from a supported ATM.
Agent withdrawals usually cover a wider range of amounts, while ATM withdrawals have their own bands and limits.
M-PESA Withdrawal Charges Calculator
M-PESA Agent Withdrawal Charges 2026
| Withdrawal Amount | Agent Withdrawal Charge |
|---|---|
| Ksh 1 – 49 | Not available |
| Ksh 50 – 100 | Ksh 11 |
| Ksh 101 – 500 | Ksh 29 |
| Ksh 501 – 1,000 | Ksh 29 |
| Ksh 1,001 – 1,500 | Ksh 29 |
| Ksh 1,501 – 2,500 | Ksh 29 |
| Ksh 2,501 – 3,500 | Ksh 52 |
| Ksh 3,501 – 5,000 | Ksh 69 |
| Ksh 5,001 – 7,500 | Ksh 87 |
| Ksh 7,501 – 10,000 | Ksh 115 |
| Ksh 10,001 – 15,000 | Ksh 167 |
| Ksh 15,001 – 20,000 | Ksh 185 |
| Ksh 20,001 – 35,000 | Ksh 197 |
| Ksh 35,001 – 50,000 | Ksh 278 |
| Ksh 50,001 – 250,000 | Ksh 309 |
M-PESA ATM Withdrawal Charges 2026
| ATM Withdrawal Amount | ATM Withdrawal 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 |
Example 1: Agent Withdrawal of Ksh 1,000
| Withdrawal type | M-PESA agent |
|---|---|
| Amount withdrawn | Ksh 1,000 |
| Estimated charge | Ksh 29 |
| Estimated total deducted | Ksh 1,029 |
Example 2: Agent Withdrawal of Ksh 10,000
| Withdrawal type | M-PESA agent |
|---|---|
| Amount withdrawn | Ksh 10,000 |
| Estimated charge | Ksh 115 |
| Estimated total deducted | Ksh 10,115 |
Example 3: ATM Withdrawal of Ksh 20,000
| Withdrawal type | ATM withdrawal |
|---|---|
| Amount withdrawn | Ksh 20,000 |
| Estimated charge | Ksh 203 |
| Estimated total deducted | Ksh 20,203 |
How to Check M-PESA Withdrawal Charges Before Withdrawing
- Open M-PESA on SIM toolkit, M-PESA app or MySafaricom app.
- Choose Withdraw Cash or ATM withdrawal depending on your need.
- Enter the agent number or ATM withdrawal instructions.
- Enter the amount you want to withdraw.
- Review the confirmation screen carefully.
- Only enter your M-PESA PIN if the amount, agent and charge are correct.
Agent Withdrawal vs ATM Withdrawal
| Feature | M-PESA Agent Withdrawal | M-PESA ATM Withdrawal |
|---|---|---|
| Minimum amount | Ksh 50 | Ksh 200 |
| Best for | Most daily cash withdrawals | ATM access where available |
| Charge structure | Tiered by amount | Separate ATM bands |
| Confirmation | M-PESA confirmation prompt | ATM and M-PESA confirmation process |
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 Avoid M-PESA Withdrawal Mistakes
- Confirm the agent number before entering your PIN.
- Check the withdrawal charge on the confirmation screen.
- Do not withdraw for strangers or unknown people.
- Keep your transaction message until you confirm the cash received.
- Report suspicious agent behavior to official Safaricom support channels.
Related M-PESA Guides
Frequently Asked Questions
How much does M-PESA charge to withdraw money from an agent?
M-PESA agent withdrawal charges depend on the amount withdrawn. In the listed bands, charges start from Ksh 11 for Ksh 50–100 and rise by transaction band.
Can I withdraw Ksh 50 from an M-PESA agent?
In the listed bands, Ksh 50–100 is available for agent withdrawal and attracts an estimated Ksh 11 charge.
How much is M-PESA ATM withdrawal charge?
ATM withdrawal charges depend on the amount. In the listed bands, Ksh 200–2,500 attracts Ksh 35, while Ksh 10,001–35,000 attracts Ksh 203.
Is M-PESA withdrawal free?
No. Agent and ATM withdrawals normally attract charges depending on the amount withdrawn.
Is this an official Safaricom page?
No. This is an independent guide. Always confirm current M-PESA withdrawal charges from official Safaricom or M-PESA channels.