M-PESA Charges in Kenya 2025 (Updated List) — What You Need to Know

Updated: 2025 • A friendly, clear guide to M-PESA fees, withdrawal charges, limits and tips to avoid surprises.

If you use M-PESA regularly, knowing the exact fees and limits can save you money. Below is an easy, updated guide for M-PESA charges in Kenya — 2025. I’ve kept the tone casual and practical so you can quickly find what matters.

Top updates in 2025 (quick summary)

• Fees and bands for sending and withdrawing were revised — some withdrawal bands increased.
• Transfers to other mobile money networks are harmonized to the same rates as standard transfers.
• Higher transaction and daily limits compared to earlier years (useful for businesses).
• Security and registration policies tightened — always ensure recipients are registered.

1. Sending Money (Send / Transfer)

Below is a simple table showing common send-money fee bands. All amounts in Kenyan Shillings (KES).

Transaction Amount (KES)	Charge (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

2. Withdrawals (Agents & ATMs)

Agent cash-out and ATM withdrawal charges differ. Check the table for agent fees first — many users rely on agents for everyday withdrawals.

Agent withdrawals

Withdrawal Amount (KES)	Agent Fee (KES)
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

ATM withdrawals

Withdrawal Amount (KES)	ATM Fee (KES)
200 – 2,500	35
2,501 – 5,000	69
5,001 – 10,000	115
10,001 – 35,000	203

3. Free / No-Charge Services

Some common actions remain free:

• Deposits at agents into your M-PESA wallet.
• M-PESA registration and account balance queries.
• Buying airtime via M-PESA (airtime top-up).
• Some account management actions, like changing your PIN.

4. Limits & Practical Rules

• Minimum agent withdrawal: KES 50.
• Maximum per transaction: KES 250,000.
• Daily/wallet balance limit: KES 500,000 (useful for businesses and merchants).
• Recipient must be registered: transfers to unregistered users are blocked for security.

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Quick tip: If you make many small withdrawals you may pay more in fees overall — try to plan and withdraw larger sums where practical.

Tips — How to avoid surprise charges

• Always confirm the recipient is correctly registered and the phone number is right.
• When possible, use "Send Money" instead of cashing out — sending is usually cheaper.
• Group your withdrawals into fewer, larger ones to reduce repeated fees.
• Keep your SMS or app receipts — they help in disputes or mistakes.
• Check official Safaricom channels or the M-PESA menu for any last-minute changes.

FAQ

Are these fees the same for sending to other networks?

In 2025 the fees for sending to other mobile money networks were harmonized to match standard transfer rates — making pricing simpler when you send across networks.

What is the maximum I can send in a single transaction?

The current per-transaction maximum is typically up to KES 250,000. There are also daily and account balance limits (commonly KES 500,000). Always verify your exact limits in the M-PESA menu or Safaricom app.

Where can I check live updates to fees?

For real-time updates, check the Safaricom website, the M-PESA section in the Safaricom app, or announcements from official Safaricom channels. Fees can change, and official channels will have the latest details.

Want a printable cheat-sheet? Reply and I’ll prepare a compact printable version (A4) you can keep on your phone or print and pin near your till.

Disclaimer: This post is a friendly guide meant to help you understand typical M-PESA fees and limits as updated for 2025. Check official Safaricom channels for the most current and official fee schedule.

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