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New M-Pesa Withdrawal and Sending Charges (2025-2026)

M-Pesa, launched by Vodafone for Safaricom in 2007, remains a vital mobile money transfer service in Kenya, facilitating seamless transactions both locally and internationally. With updated transaction charges for 2025-2026, here’s what you need to know about M-Pesa withdrawal, sending charges, and other related services.


1. M-Pesa Withdrawal Charges (2025)

Transaction Range (KSH)Charges (KSH)
1 – 49Free
50 – 10011
101 – 50029
501 – 1,00029
1,001 – 1,50029
1,501 – 2,50029
2,501 – 3,50052
3,501 – 5,00069
5,001 – 7,50087
7,501 – 10,000115
10,001 – 15,000167
15,001 – 20,000185
20,001 – 35,000197
35,001 – 50,000278
50,001 – 250,000309

2. M-Pesa Sending Charges (Registered Users)

Transaction Range (KSH)Charges (KSH)
1 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

3. Pochi La Biashara Charges

Transaction Range (KSH)Charges (KSH)
1 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

4. M-Pesa Sending Charges to Other Mobile Networks (e.g., Telkom, Airtel)

Transaction Range (KSH)Charges (KSH)
1 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

5. M-Pesa Sending Charges to Unregistered Users

Transaction Range (KSH)Charges (KSH)
1 – 49N/A
50 – 100N/A
101 – 50047
501 – 1,00051
1,001 – 1,50061
1,501 – 2,50076
2,501 – 3,500115
3,501 – 5,000139
5,001 – 7,500171
7,501 – 10,000211
10,001 – 15,000273
15,001 – 20,000296
20,001 – 35,000309
35,001 – 50,000318
50,001 – 250,000318

6. M-Pesa ATM Withdrawal Charges

Transaction Range (KSH)Charges (KSH)
200 – 2,50035
2,501 – 5,00069
5,001 – 10,000115
10,001 – 35,000203

Important Notes:

  • Maximum Account Balance: KSH 500,000
  • Maximum Daily Transaction Value: KSH 500,000
  • Maximum Amount per Transaction: KSH 250,000
  • Minimum Withdrawal Amount at Agents: KSH 50
  • Reversal: To reverse a transaction, forward the transaction confirmation message to 456.
  • Bonga Points: Earned on every M-Pesa transaction.

M-Pesa continues to provide reliable and secure mobile money transfer services with affordable charges, ensuring inclusivity and convenience for all users. Stay informed of the updated charges to make the most of your transactions in 2025 and beyond.

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