Enter an amount to see what Safaricom charges to send it to another M-PESA user (or a registered mobile money user on another network) and to withdraw it at an M-PESA agent. Figures come from Safaricom’s published consumer tariff.
Full M-PESA tariff
| Amount (KES) | Send money (KES) | Agent withdrawal (KES) |
|---|---|---|
| 1–49 | Free | N/A |
| 50–100 | Free | 11 |
| 101–500 | 7 | 29 |
| 501–1,000 | 13 | 29 |
| 1,001–1,500 | 23 | 29 |
| 1,501–2,500 | 33 | 29 |
| 2,501–3,500 | 53 | 52 |
| 3,501–5,000 | 57 | 69 |
| 5,001–7,500 | 78 | 87 |
| 7,501–10,000 | 90 | 115 |
| 10,001–15,000 | 100 | 167 |
| 15,001–20,000 | 105 | 185 |
| 20,001–35,000 | 108 | 197 |
| 35,001–50,000 | 108 | 278 |
| 50,001–250,000 | 108 | 309 |
The send-money fee is the same whether you send to an M-PESA user or to a registered mobile money user on another network. Deposits, registration, buying airtime and balance enquiries are free.
ATM withdrawals
| Amount (KES) | Fee (KES) |
|---|---|
| 200–2,500 | 35 |
| 2,501–5,000 | 69 |
| 5,001–10,000 | 115 |
| 10,001–35,000 | 203 |
Limits
Safaricom lets you send up to KES 250,000 in one transaction and up to KES 500,000 in a day, and hold up to KES 500,000 in your M-PESA account.
Saving on fees
Sending KES 100 or less is free. Because the fee rises by band, one transfer usually costs less than several small ones to the same person. Paybill and Buy Goods charges depend on the business and are not covered here.
Frequently asked questions
How much does it cost to send KES 1,000 on M-PESA?
KES 13, per Safaricom’s tariff for KES 501–1,000.
Is sending KES 100 on M-PESA free?
Yes. Sending KES 1 to KES 100 to a registered customer is free.
What is the maximum M-PESA transaction?
KES 250,000 per transaction and KES 500,000 per day.
How much does it cost to withdraw KES 5,000?
KES 69 at an M-PESA agent (band KES 3,501–5,000).
Related: PAYE & net salary calculator · SHIF calculator · NSSF calculator · Housing Levy calculator · Bank loan calculators
Sources
- Safaricom – M-PESA Charges (checked 13 October 2026)
- Safaricom – M-PESA Rates FAQ (checked 13 October 2026)
