M-Pesa Charges Calculator Kenya 2025

Calculate exact fees for sending money, withdrawing cash, PayBill & more - Updated for 2025

💚 Updated M-Pesa Rates (2025)

  • Send KES 1-100: FREE! Perfect for small transactions
  • Daily limit: KES 500,000 per day
  • Per transaction: Maximum KES 250,000
  • Same rates: M-Pesa, Airtel Money, and T-Kash now cost the same
  • No unregistered users: Can only send to registered numbers (fraud prevention)

Select Transaction Type

📱 Free M-Pesa Services

  • ✓Sending KES 1-100: Completely FREE
  • ✓M-Pesa registration: FREE
  • ✓Balance inquiry: Dial *334# FREE
  • ✓Buying airtime: No charges!
  • ✓Buy Goods (Till): FREE for customers
  • ✓Deposits: No charge to deposit
  • ✓PIN change: FREE anytime
  • ✓Reversals: FREE (send SMS to 456)

💰 Transaction Limits

Max per transaction:KES 250,000
Daily limit:KES 500,000
Max balance:KES 500,000
Min withdrawal:KES 50

🔐 Quick Tips

  • • Send to registered users only (fraud prevention)
  • • Same rates for M-Pesa, Airtel & T-Kash
  • • Withdrawals cost more than sending
  • • Use Buy Goods for business payments (FREE!)
  • • Always confirm recipient number
  • • Save receipts until confirmed

M-Pesa charges updated for 2025

For support, dial 100 (PrePay) or 200 (PostPay) | Self-service: *234#

📚 Official Sources & References:

Safaricom Official M-Pesa Charges•M-Pesa Journey & Updates•B2B Tariff (PDF)

Rates verified from official Safaricom sources. Last updated: January 2025

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How to Use the M-Pesa Charges Calculator

Find M-Pesa transaction fees in 3 simple steps

1

Select Transaction Type

Choose from Send Money, Withdraw Cash, Buy Airtime, Lipa na M-Pesa, or other services

2

Enter Amount

Input the transaction amount (minimum KES 1, maximum KES 250,000)

✓

View Charges

See exact transaction fees instantly based on 2025 Safaricom rates

💡 Pro Tip: Sending KES 1-100 is FREE! Perfect for small transactions. Daily limit is KES 500,000 and per transaction limit is KES 250,000.

Frequently Asked Questions (FAQ)

Everything you need to know about M-Pesa charges in Kenya

What are the current M-Pesa charges for 2025?▼

M-Pesa charges vary by transaction type and amount:

Send Money (M-Pesa to M-Pesa)

  • KES 1-100: FREE
  • KES 101-500: KES 7
  • KES 501-1,000: KES 13
  • KES 1,001-1,500: KES 23
  • KES 10,001-15,000: KES 100
  • KES 50,001-250,000: KES 108

Withdraw Cash (Agent)

  • KES 50-100: KES 11
  • KES 101-2,500: KES 29-52
  • KES 5,001-10,000: KES 87-115
  • KES 50,001-150,000: KES 309

ATM Withdrawal

  • KES 50-1,000: KES 27
  • KES 1,001-2,500: KES 28
  • KES 2,501-5,000: KES 55
  • KES 5,001-10,000: KES 80

Note: Use the calculator above for exact charges based on your specific amount.

Is sending money via M-Pesa free?▼

Yes! Sending KES 1-100 is completely FREE.

Free Transaction Benefits:

  • Perfect for small payments (bus fare, snacks, tips)
  • Great for splitting bills among friends
  • Ideal for pocket money to children
  • No hidden fees or charges
  • Instant transfer

For Larger Amounts (KES 101+):

Charges start from KES 7 for KES 101-500

Maximum charge: KES 108 for amounts KES 20,001-250,000

Important: These rates apply to registered M-Pesa users only. You cannot send to unregistered numbers (fraud prevention measure).

What are the M-Pesa transaction limits?▼
Transaction TypeMinimumPer TransactionDaily Limit
Send MoneyKES 1KES 250,000KES 500,000
Withdraw (Agent)KES 50KES 150,000KES 300,000
Withdraw (ATM)KES 50KES 10,000KES 40,000
Buy AirtimeKES 5KES 10,000KES 50,000
Lipa na M-PesaKES 1KES 250,000KES 500,000

Note: Limits may vary based on your M-Pesa account tier and transaction history. Contact Safaricom for limit increases.

Are M-Pesa, Airtel Money, and T-Kash charges the same?▼

Yes! Since 2020, all mobile money services in Kenya charge the same rates.

Regulatory Harmonization

The Communications Authority of Kenya (CA) and Central Bank of Kenya (CBK) harmonized mobile money charges to:

  • Promote fair competition
  • Protect consumers from price wars
  • Ensure consistent pricing across providers
  • Increase financial inclusion

M-Pesa (Safaricom)

Same rates

Airtel Money

Same rates

T-Kash (Telkom)

Same rates

Note: While sending/withdrawal charges are the same, some providers offer promotions or bonus features to attract customers.

How can I reduce M-Pesa transaction costs?▼

Smart Ways to Save on M-Pesa Charges:

1. Send Amounts Under KES 100

Completely free! Break larger amounts into smaller transactions if possible (within daily limits).

2. Use Lipa na M-Pesa for Bills

Often free or lower charges compared to agent withdrawals. Perfect for utilities, rent, and shopping.

3. Consolidate Transactions

Instead of multiple small transactions, send larger amounts less frequently to reduce total charges.

4. Withdraw at Banks (KCB, Equity)

Partner banks often charge zero fees for M-Pesa withdrawals at their ATMs.

5. Use M-Pesa GlobalPay for Merchants

Businesses can save on withdrawal fees by using direct bank transfers from M-Pesa to bank accounts.

6. Take Advantage of Promotions

Watch for Safaricom promotions offering cashback or free transactions during special periods.

What is Lipa na M-Pesa and how much does it cost?▼

Lipa na M-Pesa is a payment service that allows you to pay for goods and services directly from your M-Pesa account.

Two Types:

  • Lipa na M-Pesa Paybill: For businesses with a Paybill number (utilities, schools, etc.)
  • Lipa na M-Pesa Buy Goods: For shops, restaurants, and merchants with Till numbers

Charges for Customers:

Usually FREE or very low!

  • Most Paybill transactions: FREE
  • Buy Goods: Typically FREE
  • Merchant absorbs the cost (1-3% transaction fee)

Benefits:

  • No need to withdraw cash (saves withdrawal fees)
  • Instant payment confirmation
  • Secure transactions
  • Digital receipts via SMS
  • Track expenses easily

Tip: Always use Lipa na M-Pesa when available - it's often cheaper than sending money and withdrawing!

Can I reverse a wrong M-Pesa transaction?▼

Yes, but act fast! M-Pesa transactions can be reversed within certain conditions.

⚠️ Immediate Action Required

  1. Call Safaricom customer care: 0722 000 000 / 0734 000 000
  2. Or dial 234 (M-Pesa menu) then select "Reverse"
  3. Provide transaction details (confirmation code, amount, recipient)
  4. Request immediate reversal

Reversal Conditions

  • Wrong Number: Reversible if recipient hasn't withdrawn
  • Wrong Amount: Reversible if recipient cooperates
  • Duplicate Payment: Can be reversed with proof
  • Time Frame: Act within 24 hours for best results

Prevention Tips

  • Always double-check phone numbers before sending
  • Confirm recipient name on the screen
  • Verify amount before entering PIN
  • Save frequent recipients to avoid typos

Note: Reversal is FREE, but success depends on recipient cooperation and timing.

Where can I get official M-Pesa information and support?▼

Official Safaricom M-Pesa Resources:

Customer Care (24/7)

Phone: 0722 000 000 or 0734 000 000

Email: care@safaricom.co.ke

Twitter: @Safaricom_Care

Official Website

www.safaricom.co.ke/personal/m-pesa

Complete M-Pesa services and tariffs

M-Pesa App

Download from Play Store or App Store

Full M-Pesa services on your smartphone

Check balances, transaction history, and more

Self-Service

USSD: Dial *234# (M-Pesa menu)

MySafaricom App: Manage account & services

Visit Safaricom shops nationwide

Security Tip: Never share your M-Pesa PIN with anyone, including Safaricom staff. Safaricom will NEVER ask for your PIN.