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 all 14 tariff bands. Fees shown include the 20% KRA excise duty.
Transaction Details
Complete M-Pesa Tariff Tables — 2026
All fees include the 20% excise duty. Effective March 2026. Source: Safaricom.
📤 Send to M-Pesa User
| Amount (KES) | Fee |
|---|---|
| 1–49 | Free |
| 50–100 | 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 56 |
| 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 |
| 20,001–35,000 | KES 108 |
| 35,001–150,000 | KES 108 |
🏪 Agent Withdrawal
| Amount (KES) | Fee |
|---|---|
| 50–100 | KES 11 |
| 101–500 | KES 29 |
| 501–1,500 | KES 29 |
| 1,501–2,500 | 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 |
| 50,001–150,000 | KES 300 |
🏧 ATM Withdrawal
| Amount (KES) | Fee |
|---|---|
| 50–100 | KES 35 |
| 101–1,000 | KES 35 |
| 1,001–2,500 | KES 65 |
| 2,501–3,500 | KES 100 |
| 3,501–5,000 | KES 110 |
| 5,001–7,500 | KES 150 |
| 7,501–10,000 | KES 185 |
| 10,001–15,000 | KES 230 |
| 15,001–20,000 | KES 265 |
| 20,001–35,000 | KES 290 |
| 35,001–50,000 | KES 325 |
| 50,001–150,000 | KES 350 |
7 Ways to Save on M-Pesa Fees
Use Lipa na M-Pesa
Paying via Buy Goods (till number) is 100% free. Ask shops if they accept till payments instead of sending money.
Send larger amounts at once
Sending KES 10,000 once costs KES 90. Sending KES 5,000 twice costs KES 78 x 2 = KES 156. Consolidate where possible.
Split big transactions
For very large withdrawals (above KES 35,000), splitting into smaller amounts can sometimes save on agent fees.
Use M-Pesa app payments
M-Pesa app QR code payments are free. More merchants are accepting them, especially in Nairobi.
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
Agent withdrawal fees are always lower than ATM fees for the same amount. Use agents when you need cash.
Frequently Asked Questions
Is Lipa na M-Pesa (Buy Goods) free?
▾
Yes. Paying via Lipa na M-Pesa Buy Goods till number is completely free for customers, regardless of the transaction amount. The merchant pays a small percentage fee (typically 0.5% or less). This is the cheapest way to pay with M-Pesa.
What is the M-Pesa daily transaction limit?
▾
The daily transaction limit is KES 500,000. The maximum single send-money transaction is KES 150,000, and the maximum single withdrawal (agent or ATM) is also KES 150,000. Your M-Pesa account balance cannot exceed KES 500,000.
Do M-Pesa charges include excise duty?
▾
Yes. All fees in the official Safaricom tariff already include the 20% excise duty imposed by the Kenya Revenue Authority (KRA). The amount shown is exactly what gets deducted from your M-Pesa balance — no hidden extras.
Can I send money to an unregistered user?
▾
No. Since February 2024, Safaricom discontinued sending money to unregistered users as an anti-fraud measure. Both the sender and recipient must be registered on M-Pesa, Airtel Money, or T-Kash to transact.
Are charges the same for Airtel Money and T-Kash?
▾
Yes. M-Pesa send money charges are harmonized across all mobile money networks in Kenya. Sending to an Airtel Money or Telkom T-Kash number costs exactly the same as sending to another Safaricom M-Pesa number.
Related Tools
- M-Pesa vs Bank Loan Calculator →
Compare mobile loan costs with bank loans
- Money Transfer Services Kenya →
Compare all money transfer options
- Mobile Money Loans Kenya →
Fuliza, M-Shwari, KCB M-Pesa and more
- All Financial Calculators →
EMI, PAYE, mortgage, affordability and more
Disclaimer
Tariff data is sourced from Safaricom's published M-Pesa fee schedule as of March 2026. Fees include the 20% KRA excise duty. Safaricom may update charges without prior notice. Always confirm via the M-Pesa app or by dialling *334# before transacting large amounts. PesaMarket is not affiliated with Safaricom.