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HomeBanking & FinanceUpdated M-Pesa Withdrawal and Sending Charges 2025-2026

Updated M-Pesa Withdrawal and Sending Charges 2025-2026

M-Pesa, Kenya’s leading mobile money transfer service launched in 2007 by Safaricom, continues to play a pivotal role in financial transactions nationwide. From sending money across Kenya to paying for goods and services, M-Pesa remains a vital tool for millions.

Below are the updated M-Pesa withdrawal and sending charges for 2025-2026, including details on transfer costs to other networks, ATM withdrawals, and Pochi La Biashara services.


1. M-Pesa 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. M-Pesa Transfer Charges (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. M-Pesa Transfer Charges to Other Networks (e.g., Airtel, Telkom)

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. M-Pesa 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. M-Pesa ATM Withdrawal Charges

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

Important Notes

  • Account Balance Limit: Ksh 500,000
  • Daily Transaction Limit: Ksh 500,000
  • Maximum Transaction Amount: Ksh 250,000
  • Minimum Withdrawal Amount: Ksh 50 at agent outlets
  • Reversal Requests: Forward the transaction message to 456.
  • Bonga Points: Earned with every M-Pesa transaction.

Conclusion

The new M-Pesa charges for 2025-2026 offer competitive rates, promoting financial inclusion for low-value transactions while maintaining affordability for high-value ones. Staying informed about these charges helps ensure cost-effective financial management. Whether sending money locally or withdrawing funds, M-Pesa continues to simplify mobile money transactions for millions of Kenyans.