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New Mpesa Withdrawal and Sending Charges 2025 – 2026

M-Pesa, Kenya’s leading mobile money transfer service launched by Safaricom in 2007, has revolutionized how Kenyans send money locally and globally. As of 2025, Safaricom has updated the charges for withdrawal, transfers, and other M-Pesa services. Here’s a detailed breakdown of the new rates.


1. Mpesa Withdrawal Charges 2025

Transaction Range (KES)Charges (KES)
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. Mpesa Transfer Charges for Registered Users

Transaction Range (KES)Charges (KES)
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 (KES)Charges (KES)
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. Mpesa Transfer Charges to Other Mobile Networks (Telkom, Airtel)

Transaction Range (KES)Charges (KES)
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. Mpesa Transfer Charges to Unregistered Users

Transaction Range (KES)Charges (KES)
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. Mpesa ATM Withdrawal Charges

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

Key Notes for Mpesa Users

  • Maximum Account Balance: KES 500,000
  • Maximum Daily Transaction Value: KES 500,000
  • Maximum Amount per Transaction: KES 250,000
  • Minimum Withdrawal Amount at Agents: KES 50
  • Reversals: Send the transaction confirmation message to 456.
  • Bonga Points: Earn loyalty points on every transaction.

M-Pesa continues to be an essential service for millions of Kenyans. By staying informed about these updated charges, users can plan their transactions efficiently and cost-effectively.

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