The Safaricom M-Pesa electronic mobile money service in Kenya has recently revised its charges on transfer, withdrawal as well as deposits on all MPesa transactions.
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MPesa Transactions
M-PESA is a virtual banking system (mobile money service) that offers transaction services through a SIM card on a mobile phone. In Kenya, this must be with a Safaricom SIM card.
It allows you to store, send and receive money on your mobile phone. With an M-PESA account, you can transfer cash and shop for products and services. You can also withdraw cash by visiting an agent (typically a kiosk) or transfer it to others from your phone. This makes it a quick, safe, and simple way to make payments and handle money.
Safaricom Mpesa Charges (KSh)
Here are the current M-Pesa Charges (KSh) on withdrawal, transfer, registered and unregistered users.
| Min (Ksh) | Max (Ksh) | Transfer Registered Users | Transfer Unregistered User | Withdrawal Charges M-PESA Agents |
| 10 | 49 | Free | N/A | N/A |
| 50 | 100 | Free | N/A | 10 |
| 101 | 500 | Free | 45 | 27 |
| 501 | 1,000 | Free | 49 | 28 |
| 1,001 | 1,500 | 26 | 59 | 28 |
| 1,501 | 2,500 | 41 | 74 | 28 |
| 2,501 | 3,500 | 56 | 112 | 50 |
| 3,501 | 5,000 | 61 | 135 | 67 |
| 5,001 | 7,500 | 77 | 166 | 84 |
| 7,501 | 10,000 | 87 | 205 | 112 |
| 10,001 | 15,000 | 97 | 265 | 162 |
| 15,001 | 20,000 | 102 | 288 | 180 |
| 20,001 | 25,000 | 105 | 309 | 191 |
| 25,001 | 30,000 | 105 | 309 | 191 |
| 30,001 | 35,000 | 105 | 309 | 191 |
| 35,001 | 40,000 | 105 | N/A | 270 |
| 40,001 | 45,000 | 105 | N/A | 270 |
| 45,001 | 50,000 | 105 | N/A | 270 |
| 50,001 | 70,000 | 105 | N/A | 300 |
Mpesa Charges on Withdrawal from an ATM
To withdrawal via ATM, check the latest Mpesa tariffs.
Min (Ksh) | Max (Ksh) | Mpesa Charges |
200 | 2,500 | 34 |
2,501 | 5,000 | 67 |
5001 | 10,000 | 112 |
| 10,001 | 20,000 | 197 |
Other Mpesa Charges
Check out the current M-Pesa tariffs on transactions
| Mpesa Transactions | Mpesa Charges (Ksh) |
| Changing M-PESA PIN | 22 |
| All Deposits | 0 |
Register for M-PESA | 0 |
Buy Airtime | 0 |
| Checking M-PESA Balance | 1 |
How to Check the Latest M-Pesa Charges
Here’s a quick way to check the most current charges on withdrawal and transfer.
Checking M-Pesa Withdrawal Charges
- Dial *234#
- choose 2: My MPESA info
- Choose 2: Tariff Query
- Choose 1: Withdrawal
- Enter amount
- Then press send
- You will get a confirmation message
Checking M-Pesa Sending Charges
- Dial *234#
- Choose 2: My MPESA info
- Choose 2: Tariff Query
- Choose 2: Send money
- Enter the amount to send
- Then press send
- You will get a confirmation message showing the tariff for both registered and unregistered users.
Safaricom M-Pesa Charges Summary
Here’s a comprehensive summary of all latest M-Pesa Transactions.
- Receiving money and deposits on Mpesa are free.
- The transaction limit is KSh 150,000.
- The daily maximum is KSh 300,000.
- Zero charges on sending between Ksh 1-1,000 to other Mpesa users.
- Unregistered users’ charges on transfers between KSh 1 – 100 are free.
- You cannot withdraw less than KSh 50 at an M-Pesa agent
- To transact, your Safaricom line and M-Pesa account must be active
- To register or transact at any M-PESA Agent outlet, you will be required to produce your original identification document (i.e. National ID, Passport, Military ID, Diplomatic ID or Alien ID).
