February 28, 2025
M-Pesa, the leading mobile money service in Kenya, has become an integral part of daily life, providing a convenient way to send money, pay bills, buy goods and services, and manage finances.
As of today, M-Pesa continues to evolve, offering new services and adjusting its fee structure to meet regulatory requirements and market demands.
Understanding the latest M-Pesa charges is crucial for effectively managing your finances and making informed decisions.
In this blog, we’ll break down the M-Pesa charges in 2024, including transaction fees, withdrawal charges, and other key considerations.
M-Pesa charges vary depending on the type of transaction, the amount being transacted, and whether the transaction is within the Safaricom network or to other networks or banks. The charges can be categorized into several types:
Mpesa is a mobile money payment system by Safaricom that allows its users to send and receive money through their mobile phones.
On March 6th, 2007, Mpesa was launched as a platform where users could exchange their airtime for goods and services or cash. But this has since changed.
Over the years, Mpesa has evolved to become one of the largest mobile payment systems globally. It offers services such as savings, insurance, international money payments and many more.
Being a major mobile payment platform, Here are some of the services that Mpesa provides its users with:
Some of these services provided by Mpesa are at a fee, while others are free.
Below are the official Mpesa rates for the chargeable transactions.
Mpesa users can send money to both registered M-pesa users and non-registered users.
Here are the charges for sending money to either user.
| Minimum amount (Kshs) | Maximum amount (Kshs) | Mpesa charges for registered recipients (Kshs) | Mpesa charges for non-registered recipients (Kshs) |
| 1 | 49 | Free | N/A |
| 50 | 100 | Free | N/A |
| 101 | 500 | 6 | 45 |
| 501 | 1,000 | 12 | 49 |
| 1,001 | 1,500 | 22 | 59 |
| 1,501 | 2,500 | 32 | 74 |
| 2,501 | 3,500 | 51 | 112 |
| 3,501 | 5,000 | 55 | 135 |
| 5,001 | 7,500 | 75 | 166 |
| 7,501 | 10,000 | 87 | 205 |
| 10,001 | 15,000 | 97 | 265 |
| 15,001 | 20,000 | 102 | 288 |
| 20,001 | 35,000 | 105 | 309 |
| 35,001 | 50,000 | 105 | N/A |
| 50,001 | 150,000 | 105 | N/A |
Note: You cannot send less than Kshs.101 or more than Kshs.35,000 to a non-registered recipient.
The rates for sending money to pochi la biashara or from a business till to a customer are as follows:
| Minimum amount (Kshs) | Maximum amount (Kshs) | Mpesa charges for transfer to pochi la biashara and from business till to customer (Kshs) |
| 1 | 49 | Free |
| 50 | 100 | Free |
| 101 | 500 | 6 |
| 501 | 1,000 | 12 |
| 1,001 | 1,500 | 22 |
| 1,501 | 2,500 | 32 |
| 2,501 | 3,500 | 51 |
| 3,501 | 5,000 | 55 |
| 5,001 | 7,500 | 75 |
| 7,501 | 10,000 | 87 |
| 10,001 | 15,000 | 97 |
| 15,001 | 20,000 | 102 |
| 20,001 | 35,000 | 105 |
| 35,001 | 50,000 | 105 |
| 50,001 | 150,000 | 105 |
Mpesa allows you to withdraw money from either an mpesa agent or an ATM.
Here are the Mpesa charges for agent withdrawals
| Minimum amount (Kshs) | Maximum amount (Kshs) | Mpesa charges for agent withdrawals (Kshs) |
| 1 | 49 | N/A |
| 50 | 100 | 10 |
| 101 | 500 | 27 |
| 501 | 1,000 | 28 |
| 1,001 | 1,500 | 28 |
| 1,501 | 2,500 | 28 |
| 2,501 | 3,500 | 50 |
| 3,501 | 5,000 | 67 |
| 5,001 | 7,500 | 84 |
| 7,501 | 10,000 | 112 |
| 10,001 | 15,000 | 162 |
| 15,001 | 20,000 | 180 |
| 20,001 | 35,000 | 191 |
| 35,001 | 50,000 | 270 |
| 50,001 | 150,000 | 300 |
Note: You cannot withdraw less than Kshs.50 from an Mpesa agent.
Here are Mpesa charges for ATM withdrawals
| Minimum amount (Kshs) | Maximum amount (Kshs) | Mpesa charges for ATM withdrawals (Kshs) |
| 200 | 2,500 | 34 |
| 2,501 | 5,000 | 67 |
| 5,001 | 10,000 | 112 |
| 10,001 | 20,000 | 197 |
You will not be charged by Mpesa when you make the following Mpesa transactions:
Smart spending calls for the ability to track every single cent involved in a transaction. This mpesa charges guide provides you with all the information you need regarding costs involved in mpesa transactions. This way, you can easily manage your money like a boss.
The Mpesa limit per transaction is Ksh.150,000. And the daily cumulative limit is Kshs.300,000.
The maximum amount that you can hold in your Mpesa wallet is Kshs300,000.