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 – 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. Mpesa Transfer Charges for Registered Users
Transaction Range (KES)
Charges (KES)
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 (KES)
Charges (KES)
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. Mpesa Transfer Charges to Other Mobile Networks (Telkom, Airtel)
Transaction Range (KES)
Charges (KES)
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. Mpesa Transfer Charges to Unregistered Users
Transaction Range (KES)
Charges (KES)
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. Mpesa ATM Withdrawal Charges
Transaction Range (KES)
Charges (KES)
200 – 2,500
35
2,501 – 5,000
69
5,001 – 10,000
115
10,001 – 35,000
203
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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