M-Pesa continues to revolutionize mobile money transfer in Kenya and globally since its launch by Safaricom in 2007. From sending money to withdrawing cash, the service remains a cornerstone for financial transactions. Below is a detailed guide on the updated M-Pesa withdrawal and sending charges for 2025-2026.
M-Pesa Withdrawal Charges (2025-2026)
Transaction Range (KES)
Charges (KES)
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
M-Pesa Sending Charges for Registered Users
Transaction Range (KES)
Charges (KES)
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
Pochi La Biashara Charges
Transaction Range (KES)
Charges (KES)
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
Sending Charges to Other Networks (Telkom & Airtel)
Transaction Range (KES)
Charges (KES)
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
Sending Charges to Unregistered Users
Transaction Range (KES)
Charges (KES)
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
7,501 – 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
ATM Withdrawal Charges
Transaction Range (KES)
Charges (KES)
200 – 2,500
35
2,501 – 5,000
69
5,001 – 10,000
115
10,001 – 35,000
203
Key Notes for M-Pesa Users
Maximum Limits
Daily Transaction Limit: KES 500,000
Per Transaction Limit: KES 250,000
Maximum Account Balance: KES 500,000
Minimum Withdrawals
Withdrawals at agent outlets must be KES 50 or higher.
Reversals
Initiate reversals by forwarding the transaction confirmation message to 456.
Bonga Points
Earn Bonga points for every transaction.
Conclusion
M-Pesa continues to provide unmatched convenience for transactions, balancing affordability and accessibility for users. Whether you’re sending money locally, withdrawing cash, or utilizing business tools like Pochi La Biashara, understanding these charges can help you make informed financial decisions in 2025-2026.
Nyongesa Sande is a Kenyan politician, blogger, YouTuber, Pan-Africanist, columnist, and political activist. He is also an informer and businessman with interests in politics, governance, corporate fraud, and human rights.
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