M-Pesa continues to be Kenya’s leading mobile money transfer service, offering seamless financial transactions for millions of users. Below are the updated withdrawal, sending, and other transaction charges for 2025-2026.
1. M-Pesa Withdrawal Charges
Transaction Range (KSH)
Charges (KSH)
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
7,501 – 10,000
115
10,001 – 15,000
167
15,001 – 20,000
185
20,001 – 35,000
197
35,001 – 50,000
278
50,001 – 250,000
309
2. M-Pesa Transfer Charges (Registered Users)
Transaction Range (KSH)
Charges (KSH)
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
7,501 – 10,000
90
10,001 – 15,000
100
15,001 – 20,000
105
20,001 – 35,000
108
35,001 – 50,000
108
50,001 – 250,000
108
3. Pochi La Biashara Charges
Transaction Range (KSH)
Charges (KSH)
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
7,501 – 10,000
90
10,001 – 15,000
100
15,001 – 20,000
105
20,001 – 35,000
108
35,001 – 50,000
108
50,001 – 250,000
108
4. Transfer Charges to Other Networks (Telkom and Airtel)
Transaction Range (KSH)
Charges (KSH)
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
7,501 – 10,000
90
10,001 – 15,000
100
15,001 – 20,000
105
20,001 – 35,000
108
35,001 – 50,000
108
50,001 – 250,000
108
5. Transfer Charges to Unregistered Users
Transaction Range (KSH)
Charges (KSH)
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
7,501 – 10,000
211
10,001 – 15,000
273
15,001 – 20,000
296
20,001 – 35,000
309
35,001 – 50,000
318
50,001 – 250,000
318
6. ATM Withdrawal Charges
Transaction Range (KSH)
Charges (KSH)
200 – 2,500
35
2,501 – 5,000
69
5,001 – 10,000
115
10,001 – 35,000
203
Important Notes
Maximum Account Balance: KSH 500,000.
Maximum Daily Transaction Value: KSH 500,000.
Maximum Per Transaction: KSH 250,000.
Minimum Withdrawal at Agents: KSH 50.
Reversal Process: Forward the transaction confirmation message to 456.
Bonga Points: Earn points with every transaction.
M-Pesa continues to offer reliable, secure, and efficient financial solutions for its users. Stay informed about the charges to plan your transactions better!
Nyongesa Sande is a seasoned writer, editor, and digital publisher passionate about delivering high-quality, SEO-optimized content across diverse fields including politics, technology, culture, business, and sports. As the founder and driving force behind NyongesaSande.com, he has built a trusted platform that blends in-depth reporting with accessible storytelling, making complex issues understandable to a broad audience. With a strong background in East African and global affairs, Sande is dedicated to providing readers with accurate, engaging, and impactful insights that both inform and inspire.
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