Updated 16 October 2026
Withdrawing cash is where most M-Pesa users lose money without noticing. The fee depends on the amount and on whether you use an agent or an ATM.
Agent withdrawal fees
| Amount (KSh) | Fee (KSh) |
|---|---|
| 50 to 100 | 11 |
| 101 to 2,500 | 29 |
| 2,501 to 3,500 | 52 |
| 3,501 to 5,000 | 69 |
| 5,001 to 7,500 | 87 |
| 7,501 to 10,000 | 115 |
| 10,001 to 15,000 | 167 |
| 15,001 to 20,000 | 185 |
| 20,001 to 35,000 | 197 |
| 35,001 to 50,000 | 278 |
| 50,001 to 250,000 | 309 |
The minimum you can withdraw at an agent is KSh 50.
ATM withdrawal fees
| Amount (KSh) | Fee (KSh) |
|---|---|
| 200 to 2,500 | 35 |
| 2,501 to 5,000 | 69 |
| 5,001 to 10,000 | 115 |
| 10,001 to 35,000 | 203 |
ATM withdrawals start at KSh 200 and Safaricom’s table goes up to KSh 35,000.
Mobile money charges calculatorFees as published by Safaricom and Airtel Kenya. Confirm on your screen before entering your PIN.
Agent or ATM?
For small amounts the agent is cheaper. Taking out KSh 2,000 costs KSh 29 at an agent and KSh 35 at an ATM. In the middle the two are often equal, and for KSh 20,001 to KSh 35,000 the ATM (KSh 203) is slightly dearer than an agent (KSh 197). Most people should default to an agent unless it is late at night or there is none nearby.
How to cut withdrawal costs
- Avoid the band edges. KSh 2,500 costs KSh 29 at an agent, but KSh 2,600 costs KSh 52.
- Withdraw less often. Fewer, larger withdrawals usually cost less than many small ones.
- Pay with M-Pesa instead of cash. Most shops have a till, and paying through Buy Goods saves you the withdrawal fee completely.
Airtel Money charges the same withdrawal fees, as our M-Pesa vs Airtel Money comparison shows.
