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 – 49
Free
50 – 100
11
101 – 500
29
501 – 1,000
29
1,001 – 1,500
29
1,501 – 2,500
29
2,501 – 3,500
52
3,501 – 5,000
69
5,001 – 7,500
87
7,501 – 10,000
115
10,001 – 15,000
167
15,001 – 20,000
185
20,001 – 35,000
197
35,001 – 50,000
278
50,001 – 250,000
309
2. M-Pesa Sending Charges (Registered Users)
Transaction Range (KSH)
Charges (KSH)
1 – 49
Free
50 – 100
Free
101 – 500
7
501 – 1,000
13
1,001 – 1,500
23
1,501 – 2,500
33
2,501 – 3,500
53
3,501 – 5,000
57
5,001 – 7,500
78
7,501 – 10,000
90
10,001 – 15,000
100
15,001 – 20,000
105
20,001 – 35,000
108
35,001 – 50,000
108
50,001 – 250,000
108
3. Pochi La Biashara Charges
Transaction Range (KSH)
Charges (KSH)
1 – 49
Free
50 – 100
Free
101 – 500
7
501 – 1,000
13
1,001 – 1,500
23
1,501 – 2,500
33
2,501 – 3,500
53
3,501 – 5,000
57
5,001 – 7,500
78
7,501 – 10,000
90
10,001 – 15,000
100
15,001 – 20,000
105
20,001 – 35,000
108
35,001 – 50,000
108
50,001 – 250,000
108
4. M-Pesa Sending Charges to Other Mobile Networks (e.g., Telkom, Airtel)
Transaction Range (KSH)
Charges (KSH)
1 – 49
Free
50 – 100
Free
101 – 500
7
501 – 1,000
13
1,001 – 1,500
23
1,501 – 2,500
33
2,501 – 3,500
53
3,501 – 5,000
57
5,001 – 7,500
78
7,501 – 10,000
90
10,001 – 15,000
100
15,001 – 20,000
105
20,001 – 35,000
108
35,001 – 50,000
108
50,001 – 250,000
108
5. M-Pesa Sending Charges to Unregistered Users
Transaction Range (KSH)
Charges (KSH)
1 – 49
N/A
50 – 100
N/A
101 – 500
47
501 – 1,000
51
1,001 – 1,500
61
1,501 – 2,500
76
2,501 – 3,500
115
3,501 – 5,000
139
5,001 – 7,500
171
7,501 – 10,000
211
10,001 – 15,000
273
15,001 – 20,000
296
20,001 – 35,000
309
35,001 – 50,000
318
50,001 – 250,000
318
6. M-Pesa ATM Withdrawal Charges
Transaction Range (KSH)
Charges (KSH)
200 – 2,500
35
2,501 – 5,000
69
5,001 – 10,000
115
10,001 – 35,000
203
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.
Nyongesa Sande is a Kenyan politician, blogger, YouTuber, Pan-Africanist, columnist, and political activist. He is also an informer and businessman with interests in politics, governance, corporate fraud, and human rights.
