M-Pesa charges 2026: send money and withdrawal calculator
Check the fee before you send or withdraw. Last verified: October 2026.
Fees follow the tariff Safaricom has published and include excise duty. Safaricom can change tariffs or run promotions, so confirm on safaricom.co.ke before large transactions. Independent guide, not Safaricom.
Sending money charges
Sending KSh 100 or less is free. Fees are flat per band and cap at KSh 108. Sending to Airtel Money and T-Kash costs the same as sending to Safaricom numbers.
Withdrawal charges
Agent withdrawals start at KSh 50 and cost more than sending, up to KSh 309 for the top band. Paying directly by M-Pesa avoids withdrawal fees.
FAQ
How much does it cost to send KSh 1,000 on M-Pesa?
KSh 13.
Is sending under KSh 100 free?
Yes, KSh 100 or less to a registered number is free.