Sending money is the most common thing people do on M-Pesa, and the fee depends on how much you send. Here are Safaricom’s current rates and a few ways to keep them down.
Current send money fees
Safaricom charges the same fee whether you send to another M-Pesa user or to a registered user on another network like Airtel Money or T-Kash.
| Amount (KSh) | Fee (KSh) |
|---|---|
| 1 to 49 | Free |
| 50 to 100 | Free |
| 101 to 500 | 7 |
| 501 to 1,000 | 13 |
| 1,001 to 1,500 | 23 |
| 1,501 to 2,500 | 33 |
| 2,501 to 3,500 | 53 |
| 3,501 to 5,000 | 57 |
| 5,001 to 7,500 | 78 |
| 7,501 to 10,000 | 90 |
| 10,001 to 15,000 | 100 |
| 15,001 to 20,000 | 105 |
| 20,001 to 250,000 | 108 |
Anything up to KSh 100 is free. The highest fee you will ever pay for one transfer is KSh 108.
Mobile money charges calculatorFees as published by Safaricom and Airtel Kenya. Confirm on your screen before entering your PIN.
Limits
| Limit | Amount |
|---|---|
| Per transaction | KSh 250,000 |
| Per day | KSh 500,000 |
| Wallet balance | KSh 500,000 |
Ways to pay less
- Send in one go. Two transfers of KSh 1,000 cost KSh 26, while one of KSh 2,000 costs KSh 33.
- Send big amounts at once. Above KSh 20,000 the fee stays at KSh 108, so a KSh 100,000 transfer costs the same as a KSh 21,000 one.
- Use Pochi or a till for business. Paying a business through Buy Goods is usually free for the customer.
If the person you are paying uses Airtel Money, check our M-Pesa vs Airtel Money comparison, since Airtel to Airtel transfers are free.
