M-PESA Transaction Charges (Money Withdrawal and Sending)

Do you want to know the Safaricom MPESA withdrawal and transaction charges for sending money in Kenya in 2024?

If YES, then this is the only post to read today.

MPESA is a microfinance and mobile money transfer system launched by Vodafone and developed by Safaricom and Vodacom, the two largest cell phones operators in Kenya and Tanzania.

It is the most trusted service in Tanzania, with over 5 million Tanzanians using MPESA.

By 2012, approximately 17 million of accounts have been registered in Kenya.

The service has been praised for providing millions of people with access to the “formal” financial system.

It has also helped reduce crime in societies largely based on cash exchanges.

With MPESA, you can easily send or receive money from over 160 countries instantly to and from your MPESA wallet through a wide range of partner globally.

Getting started…

MPESA Charges

These are charges that a customer incurs depending on the amount of transaction and the transaction type, i.e., sending or withdrawing.

Below are MPESA Tariffs.

Transaction Range (Kshs)
Min Max Transfer to other

MPESA users

Transfer to unregistered users Transfer to other MPESA users, Pochi La Biashara, and Business Till to customer Withdrawal from MPESA Agent
50 100 FREE N/A FREE 10
101 500 6 45 6 27
501 1,000 12 49 12 28
1,001 1,500 22 59 22 28
1,501 2,500 32 74 32 28
2,501 3,500 51 112 51 50
3,501 5,000 55 135 55 67
5,001 7,500 75 166 75 84
7,501 10,000 87 205 87 112
10,001 15,000 97 265 97 162
15,001 20,000 102 288 102 180
20,001 35,000 105 309 105 191
35,001 50,000 105 N/A 105 270
50,001 150,000 105 N/A 105 300
Other Transactions MPESA Charges
All deposits FREE
MPESA Registration FREE
Buy Airtime through MPESA FREE
MPESA balance inquiry FREE
Min (Kshs) Max (Kshs) MPESA Charges
200 2,500 34
2,501 5,000 67
5,001 10,000 112
10,001 20,000 197


  • Maximum Account Balance is Kshs.300,000.
  • Maximum daily transaction value is kshs.300,000.
  • Maximum amount per transaction is Kshs.150,000.
  • The minimum amount you can withdraw at an MPESA Agent is Kshs.50.
  • To start MPESA person to person self-reversal, send the transaction confirmation to 456.
  • To transact, your Safaricom line and MPESA account must be active.
  • One can deposit funds only into an MPESA account registered under their own identification document (ID).
  • Depositing directly into third party accounts is not allowed.
  • You will earn Bonga Points from the MPESA fee charged when you transact.
  • To transact at any MPESA agent outlet, you will be required to produce your original identification document with which the MPESA was registered, i.e., National ID or Kenyan Passport.
  • Dial *334# to view application charges or use the MPESA cost calculator on My Safaricom App.


Current Safaricom Mpesa charges for sending and withdrawing money though a Safaricom agent, ATM and MPESA tariffs when transferring cash both to registered and non-registered MPESA users.

All MPESA deposits are free.

There are no charges when buying Safaricom airtime through MPESA.

MPESA is one of the top ways to get paid online.

The low MPESA charges have helped freelance workers make money online from home.

READ ⇒  11 Legit Ways to Make Money in Kenya (Online and Offline)

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Saint Chinedu

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