M-Pesa, launched in 2007 by Vodafone for Safaricom, has revolutionized mobile money transfers in Kenya and globally. With M-Pesa, users can send money locally and internationally with ease. The updated withdrawal and sending charges for 2025-2026 ensure clarity and cost transparency for its users.
Key Details for M-Pesa Users
Maximum Daily Transaction Value: KSH 500,000
Maximum Amount Per Transaction: KSH 250,000
Maximum Account Balance: KSH 500,000
Minimum Withdrawal Amount: KSH 50
Reversal Requests: Forward transaction message to 456
Earn Bonga Points: For every transaction conducted via M-Pesa
1. M-Pesa Withdrawal Charges (2025)
Transaction Range (KSH)
Charges (KSH)
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. M-Pesa Sending Charges (Registered Users)
Transaction Range (KSH)
Charges (KSH)
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 (KSH)
Charges (KSH)
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. M-Pesa Transfer Charges to Other Mobile Networks (Telkom & Airtel)
Transaction Range (KSH)
Charges (KSH)
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. M-Pesa Transfer Charges to Unregistered Users
Transaction Range (KSH)
Charges (KSH)
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. M-Pesa ATM Withdrawal Charges
Transaction Range (KSH)
Charges (KSH)
200 – 2,500
35
2,501 – 5,000
69
5,001 – 10,000
115
10,001 – 35,000
203
Important Notes for M-Pesa Users
The minimum withdrawal amount at an M-Pesa agent is KSH 50.
To initiate a reversal, send the transaction confirmation message to 456.
Bonga Points are earned for all transactions conducted on M-Pesa.
M-Pesa continues to lead Kenya’s mobile money ecosystem, providing affordable and reliable services for individuals and businesses alike. Stay informed about these charges to ensure seamless and cost-effective transactions.
Mastercard CFO Sachin Mehra to Continue Working After Non-Hodgkin Lymphoma Diagnosis Mastercard’s Chief Financial Officer (CFO), Sachin Mehra, has announced that he will continue...
The Consumer Financial Protection Bureau (CFPB) has issued a policy reminder calling on banks to maintain evidence of customer consent before charging overdraft fees...
Brex, a fintech company known for expense management solutions, is making a strategic move to capture a larger share of the business-to-business (B2B) payments...
The Federal Reserve’s recent proposal to extend the operating hours of its interbank payments systems has ignited a significant debate within the banking sector....
