Updated Mpesa Withdrawal & Sending Charges 2023

The new safaricom mpesa charges shall require Kenyans to pay the following per transaction:

Deposits/ Recieving Money On MpesaFree
Sending between Ksh 1- 100 Via MpesaFree
Withdrawing Amounts between Ksh. 501 to Ksh 1,00028 shillings.
Sending Amounts between KSh. 1501 to Ksh 250022 Kenyan shillings.
Ammounts From 2501 and less than 3500 shillings Ksh 51
Withdrawing Ksh 5,000 67 shillings
Sending 5000 shillings55 shillings
Sending Ksh 10 000 shillings 87 shillings
Sending Ksh 20,000102 shillings
Withdrawing Ksh 20,000180 shillings
Updated Mpesa Charges 2022

In this guide, you shall find all the rates and charges of safaricom mpesa services. We compiled mpesa withdrawal, sending and paying charges.

Safaricom mpesa has eased the process of sending, recieving and paying money using your mobile phone. Safaricom revised its mpesa sending and withdrawal charges in Kenya. Means Kenyans shall have to pay more for mpesa transactions.

The kenyan government decided to charge Kenyans 12% more from the normally excersised rate of 10% per each money transfer transaction.

Safaricom Mpesa Withdrawal Charges

Mpesa Withdrawal From M-PESA Agent Charges

Min(Kshs)Max(Kshs)M-PESA Charges
149N/A
5010010
10150027
5011,00028
1,0011,50028
1,5012,50028
2,5013,50050
3,5015,00067
5,0017,50084
7,50110,000112
10,00115,000162
15,00120,000180
20,00135,000191
35,00150,000270
50,001150,000300
Mpesa Withdrawal From M-PESA Agent Charges

For safaricom mpesa withdrawal charges, you cannot withdraw less than 50 shillings from an mpesa agent.

Mpesa Sending To Unregistered Users Charges

The table below shows safaricom mpesa charges for sending to unregistered users;

Min(KSHs.)Max(KSHs.)M-PESA Charges
149N/A
50100N/A
10150045
5011,00049
1,0011,50059
1,5012,50074
2,5013,500112
3,5015,000135
5,0017,500166
7,50110,000205
10,00115,000265
15,00120,000288
20,00135,000309
35,00150,000N/A
50,001150,000N/A
Mpesa Sending To Unregistered Users Charges 2022

Safaricom Mpesa Sending To Registered M-PESA Users Charges | Pochi La Biashara | Mpesa Till To Customer

The below table shows what safaricom shall charge you when sending money via mpesa to Safaricom registered users, Pochi la Biashara and sending from mpesa till number to customer charges;

Min(KSHs.)Max(KSHs.)M-PESA Charges
149FREE
50100FREE
1015006
5011,00012
1,0011,50022
1,5012,50032
2,5013,50051
3,5015,00055
5,0017,50075
7,50110,00087
10,00115,00097
15,00120,000102
20,00135,000105
35,00150,000105
50,001150,000105
Safaricom Mpesa Sending To Registered M-PESA Users Charges | Pochi La Biashara | Mpesa Till To Customer

Mpesa Charges For Sending To Other Mobile Money Users | Airtel | Telcom

The table below shows the ammount you shall be charged by safaricom mpesa when sending to other mobile money users including Telcom and Airtel mobile money users.

Min(KSHs.)Max(KSHs.)M-PESA Charges
Min(KSHs.)Max(KSHs.)M-PESA Charges
149FREE
50100FREE
1015006
5011,00012
1,0011,50022
1,5012,50032
2,5013,50051
3,5015,00055
5,0017,50075
7,50110,00087
10,00115,00097
15,00120,000102
20,00135,000105
35,00150,000105
50,001150,000105
2002,50034
2,5015,00067
5,00110,000112
10,00120,000197
Other TransactionsKshs.
All DespositsFREE
M-PESA RegistrationFREE
Buying Airtime through M-PESAFREE
M-PESA balance EnquiryFREE
Change M-PESA PINFREE

Points To Note

  1. Maximum Mpesa Account Balance is KSHs.300,000
  2. Maximum Mpesa Daily Transaction Ammount is KSHs.300,000.
  3. Maximum Mpesa Ammount Per transaction is KSHs.150,000
  4. You can’t withdraw less than 50 shillings from an mpesa agent.
  5. To Start M-PESA User to user reversal, use the mpesa reversal number 456 by sending the confirmation message to this number.
  6. To do mpesa transactions, your Safaricom line and M-PESA account must be active
  7. At an agent outlet, you cannot deposit money directly into another M-PESA customer’s account
  8. Safaricom credits you bonga points for each transaction you do on mpesa.
  9. You need your national ID to access mpesa services from a safaricom mpesa agent.

Frequently Asked Questions About Mpesa Charges

What are the new Tarriffs about?

The new mpesa Tarriffs are the revised charges for sending, paying and receiving money on mpesa.

Why can’t I transfer over Ksh35,000 to unregistered subscribers?

Due to the anti-money laundering, know your customer policy by the central bank of Kenya, safaricom mpesa is not allowed to complete transactions of more than 35,000 shillings to unregistered users.

What is the lowest amount of money I can send on M-PESA?

The lowest ammount that you can send using mpesa is 1 shilling.

Can I withdraw from mpesa using ATM?

Yes you can. You are allowed to make multiple cash withdrawals from the ATM. However the maximum withdrawal amount is limited to Ksh20,000 per day. Withdrawals vary from Kes 200-Kes 20,000 depending on the ATM.

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