M-Pesa Fees Calculator Kenya 2026
Check the exact M-Pesa charge for any transaction amount. Covers sending money, agent withdrawal, and ATM withdrawal across every tariff band. Fees shown include the 15% excise duty on mobile money transfer fees.
Transaction Details
Complete M-Pesa Tariff Tables — 2026
Safaricom's consumer tariff, checked 13 November 2026. Fees include the 15% excise duty on mobile money transfer fees.
📤 Send to M-Pesa User
| Amount (KES) | Fee |
|---|---|
| 1–100 | Free |
| 101–500 | KES 7 |
| 501–1,000 | KES 13 |
| 1,001–1,500 | KES 23 |
| 1,501–2,500 | KES 33 |
| 2,501–3,500 | KES 53 |
| 3,501–5,000 | KES 57 |
| 5,001–7,500 | KES 78 |
| 7,501–10,000 | KES 90 |
| 10,001–15,000 | KES 100 |
| 15,001–20,000 | KES 105 |
| 20,001–250,000 | KES 108 |
🏪 Agent Withdrawal
| Amount (KES) | Fee |
|---|---|
| 50–100 | KES 11 |
| 101–2,500 | KES 29 |
| 2,501–3,500 | KES 52 |
| 3,501–5,000 | KES 69 |
| 5,001–7,500 | KES 87 |
| 7,501–10,000 | KES 115 |
| 10,001–15,000 | KES 167 |
| 15,001–20,000 | KES 185 |
| 20,001–35,000 | KES 197 |
| 35,001–50,000 | KES 278 |
| 50,001–250,000 | KES 309 |
🏧 ATM Withdrawal
| Amount (KES) | Fee |
|---|---|
| 200–2,500 | KES 35 |
| 2,501–5,000 | KES 69 |
| 5,001–10,000 | KES 115 |
| 10,001–35,000 | KES 203 |
6 Ways to Save on M-Pesa Fees
Use Lipa na M-Pesa
Paying a Buy Goods till number is free for you (except at authorised fuel stations). Ask shops for a till number instead of sending money.
Send larger amounts at once
Sending KES 10,000 once costs KES 90. Sending KES 5,000 twice costs KES 57 x 2 = KES 114. Consolidate where possible.
Use the KES 29 band
Agent withdrawals from KES 101 to KES 2,500 all cost KES 29. One withdrawal of KES 2,500 costs less than two of KES 1,000.
Go cashless
Agent and ATM withdrawals are the most expensive transactions. Reduce cash-outs by paying digitally.
Send under KES 100 for free
Sending any amount between KES 1 and KES 100 to a registered user is completely free.
Agent beats ATM
An agent never charges more than an ATM for the same amount, and only agents pay out above KES 35,000.
Frequently Asked Questions
Is Lipa na M-Pesa (Buy Goods) free?
▾
Yes, for the customer, except at authorised fuel stations. The merchant pays: nothing on collections up to KES 500 (since 7 August 2026), 0.55% from KES 501 to KES 36,363, and KES 200 above that.
What are the M-Pesa transaction limits?
▾
KES 250,000 per transaction and KES 500,000 per day. Your M-Pesa balance can be up to KES 500,000. Agents pay out from KES 50, and ATMs from KES 200 to KES 35,000 per withdrawal.
Do M-Pesa charges include excise duty?
▾
Yes. The send and withdrawal charges already include the 15% excise duty on mobile money transfer fees. Nothing is added on top.
Are charges the same for Airtel Money and T-Kash?
▾
Yes. Sending to an Airtel Money or T-Kash number costs the same as sending to another Safaricom M-Pesa number.
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Disclaimer
Fees are from Safaricom's M-Pesa consumer tariff, checked 13 November 2026. They include the 15% excise duty on mobile money transfer fees. Safaricom can change its charges at any time, and the confirm screen shows the charge before you pay. PesaMarket is not affiliated with Safaricom.