Safaricom PLC has updated M-Pesa charges for sending and withdrawing money for 2026.
M-Pesa charges vary depending on the transaction amount and the type of transaction, such as sending or withdrawing money.
The transaction charges apply to different transaction types, including transfers to M-Pesa users, Pochi La Biashara and Business Till to Customer transactions, transfers to other registered mobile money users, and withdrawals made at M-Pesa agent outlets.
The charges vary depending on the minimum and maximum transaction amounts.
The cost of sending money via M-Pesa has been harmonized across networks.
Transfers to Airtel Money and Telkom’s T-Kash now match the rates for Safaricom-to-Safaricom transactions.
For example, sending Ksh500 will cost Ksh7, whether transferring to Safaricom, Airtel Money, or T-Kash.
Safaricom Announces M-Pesa Withdrawal Charges and Send Money Fees For 2026
The maximum amount that can be sent in a single transaction is Ksh250,000, with the daily transaction and balance limits capped at Ksh500,000.
Customers cannot withdraw less than Ksh50 at an M-Pesa agent outlet.
Below is a table that shows M-Pesa tariffs:
| Transaction Range (KShs) | Transfer to M-Pesa Users / Pochi La Biashara / Business Till to Customer | Transfer to Other Registered Mobile Money Users | Withdrawal from M-Pesa Agent |
|---|---|---|---|
| 1 – 49 | Free | Free | N/A |
| 50 – 100 | Free | Free | 11 |
| 101 – 500 | 7 | 7 | 29 |
| 501 – 1,000 | 13 | 13 | 29 |
| 1,001 – 1,500 | 23 | 23 | 29 |
| 1,501 – 2,500 | 33 | 33 | 29 |
| 2,501 – 3,500 | 53 | 53 | 52 |
| 3,501 – 5,000 | 57 | 57 | 69 |
| 5,001 – 7,500 | 78 | 78 | 87 |
| 7,501 – 10,000 | 90 | 90 | 115 |
| 10,001 – 15,000 | 100 | 100 | 167 |
| 15,001 – 20,000 | 105 | 105 | 185 |
| 20,001 – 35,000 | 108 | 108 | 197 |
| 35,001 – 50,000 | 108 | 108 | 278 |
| 50,001 – 250,000 | 108 | 108 | 309 |
Also Read: Alternative Ways to Change or Reset Your M-PESA PIN Without Visiting a Safaricom Shop
ATM withdrawal charges apply based on the transaction amount. Withdrawals of between Ksh200 and Ksh2,500 attract a fee of Ksh35, while amounts ranging from Ksh2,501 to Ksh5,000 incur a fee of Ksh69.
Withdrawals between Ksh5,001 and Ksh10,000 incur a fee of Ksh115, while transactions from Ksh10,001 up to Ksh35,000 attract a charge of Ksh203.
All deposits on M-Pesa are free of charge. M-Pesa registration does not attract any fees, while buying airtime through M-Pesa is also free.
Customers are not charged for M-Pesa balance enquiries, and changing an M-Pesa PIN is free as well.
Also Read: Safaricom Clarifies If Airtime Bought by Mistake from Bank Instead of M-PESA Can Be Reversed
Other Terms and Conditions
To initiate an M-Pesa self-reversal, customers must forward the transaction confirmation message to 456.
Additionally, users cannot deposit money directly into another M-Pesa user’s account at an agent outlet.
For registration at agent outlets, only Kenyan passports and national identity cards are accepted, while foreign passports, military IDs, and foreigner certificates can only be used at the telco’s shops and care desks.
“For deposits and withdrawals, valid identification documents include Kenyan passports, national IDs, foreign passports, military IDs, and foreigner certificates,” read part of the statement.
For inquiries, complaints, feedback, or further support, customers can contact Safaricom by dialing 100 for PrePay users, 200 for PostPay users, or 234# for self-service.
Support is also available via email at [email protected] or through Safaricom’s social media platforms, including Facebook and Twitter (@SafaricomPLC and @Safaricom_Care), as well as Zuri on WhatsApp at 0722 000100.
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Mpesa customer