Whether you’re paying bills, sending money to loved ones, or withdrawing cash at an agent, M-PESA remains the most widely used mobile money service in Kenya. But with changing transaction policies, knowing the latest M-PESA charges is key to avoiding surprises and managing your finances more efficiently.
We break down M-PESA charges for both sending and withdrawing money, helping you understand what fees to expect based on the amount you’re transacting.
Why It’s Important to Understand M-PESA Charges
With millions of daily transactions, M-PESA is deeply woven into everyday life in Kenya. However, many users are often unaware of:
- The difference between sending to registered vs. unregistered users
- How charges vary when sending to other networks (like Airtel Money)
- The costs involved when withdrawing from an M-PESA agent
- Which transactions are free or zero-rated under current regulations
By staying informed, you can maximize value, avoid unnecessary costs, and plan your mobile money use better.
Note:
- Sending to other networks (like Airtel Money or T-Kash) is now available through PesaLink integration and charges apply as above.
- Transactions below KSh 100 are free for M-PESA-to-M-PESA users.
Below are the updated Mpesa withdrawal and sending charges in Kenya.
1.Mpesa Withdrawal Charges For 2025
| Transaction Range | Charges |
| 1- 49 | Free |
| 50 – 100 | 11 |
| 101- 500 | 29 |
| 501- 1,000 | 29 |
| 1,001- 1,500 | 29 |
| 1,501- 2,500 | 29 |
| 2,501 – 3,500 | 52 |
| 3,501- 5,000 | 69 |
| 5,001- 7,500 | 87 |
| 7,500- 10,000 | 115 |
| 10,0001- 15,000 | 167 |
| 15,001 – 20,000 | 185 |
| 20,001 - 35,000 | 197 |
| 35,0001 - 50,000 | 278 |
| 50,001- 250,000 | 309 |
2. Mpesa Transfer Charges For 2025 (Registered users)
| Transaction Range | Charges |
| 1- 49 | Free |
| 50 – 100 | Free |
| 101- 500 | 7 |
| 501- 1,000 | 13 |
| 1,001- 1,500 | 23 |
| 1,501- 2,500 | 33 |
| 2,501 – 3,500 | 53 |
| 3,501- 5,000 | 57 |
| 5,001- 7,500 | 78 |
| 7,500- 10,000 | 90 |
| 10,0001- 15,000 | 100 |
| 15,001- 20,000 | 105 |
| 20,001- 35,000 | 108 |
| 35,0001- 50,000 | 108 |
| 50,001- 250,000 | 108 |
3. Pochi La Biashara Charges
| Transaction Range | Charges |
| 1- 49 | Free |
| 50 – 100 | Free |
| 101- 500 | 7 |
| 501- 1,000 | 13 |
| 1,001- 1,500 | 23 |
| 1,501- 2,500 | 33 |
| 2,501 – 3,500 | 53 |
| 3,501- 5,000 | 57 |
| 5,001- 7,500 | 78 |
| 7,500- 10,000 | 90 |
| 10,0001- 15,000 | 100 |
| 15,001- 20,000 | 105 |
| 20,001- 35,000 | 108 |
| 35,0001- 50,000 | 108 |
| 50,001- 250,000 | 108 |
4. Mpesa Transfer Charges To Other Mobile networks i.e Telkom and Airtel
| Transaction Range | Charges |
| 1- 49 | Free |
| 50 – 100 | Free |
| 101- 500 | 7 |
| 501- 1,000 | 13 |
| 1,001- 1,500 | 23 |
| 1,501- 2,500 | 33 |
| 2,501 – 3,500 | 53 |
| 3,501- 5,000 | 57 |
| 5,001- 7,500 | 78 |
| 7,500- 10,000 | 90 |
| 10,0001- 15,000 | 100 |
| 15,001- 20,000 | 105 |
| 20,001- 35,000 | 108 |
| 35,0001- 50,000 | 108 |
| 50,001- 250,000 | 108 |
5. Mpesa Transfer Charges To Unregistered Users
| Transaction Range | Charges |
| 1- 49 | N/A |
| 50 – 100 | N/A |
| 101- 500 | 47 |
| 501- 1,000 | 51 |
| 1,001- 1,500 | 61 |
| 1,501- 2,500 | 76 |
| 2,501 – 3,500 | 115 |
| 3,501- 5,000 | 139 |
| 5,001- 7,500 | 171 |
| 7,500- 10,000 | 211 |
| 10,0001- 15,000 | 273 |
| 15,001- 20,000 | 296 |
| 20,001- 35,000 | 309 |
| 35,0001- 50,000 | 318 |
| 50,001- 250,000 | 318 |
6. Mpesa ATM Withdrawal Charges
| Transaction Range | Charges |
| 200 – 2,500 | 35 |
| 2,501-5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001- 35,000 | 203 |
Tip: Withdrawals are only available in round amounts. To avoid being charged for unavailable amounts, always check the agent float before initiating large withdrawals.
Free M-PESA Transactions in 2025
Some services are still free or zero-rated by Safaricom and regulators:
- Buy Goods and Services (Lipa na M-PESA till number) – free for users and affordable for merchants
- Bank-to-M-PESA transfers (depending on your bank’s policies)
- Paying bills to select government agencies (NHIF, KRA, eCitizen)
Pro Tips from Mobile Money Experts
- *Use the M-PESA app or USSD (334#) to check transaction fees before confirming
- For frequent transfers, consider M-PESA Global, PayBill, or Buy Goods options — often cheaper or free
- Keep receipts or SMS confirmations for dispute resolution or reversals
Final Thoughts
As mobile money continues to drive financial inclusion across Kenya, understanding M-PESA charges for sending and withdrawing money helps users make informed financial decisions. This 2025 guide is your go-to resource for staying updated and maximizing the value of every shilling you move via M-PESA.
