Updated M-Pesa Withdrawal and Sending Charges for 2025-2026

M-Pesa continues to be Kenya’s leading mobile money transfer service, facilitating seamless transactions for millions of users. The updated withdrawal and sending charges for 2025-2026 reflect Safaricom’s commitment to transparency and inclusivity in mobile banking. Below is a comprehensive guide to the latest charges and key transaction details.

1. M-Pesa Withdrawal Charges for 2025

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

2. 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

3. 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

4. M-Pesa Transfer 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

5. M-Pesa Transfer 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

6. M-Pesa 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

Important Notes for M-Pesa Users

Maximum Account Balance: KES 500,000.
Maximum Daily Transaction Value: KES 500,000.
Maximum Per Transaction: KES 250,000.
Minimum Withdrawal Amount at Agents: KES 50.
Reversal Process: Send the transaction confirmation message to 456 to initiate a reversal.
Bonga Points: Earn points for every transaction made on M-Pesa.

Conclusion

The updated M-Pesa charges for 2025-2026 ensure affordability and accessibility for millions of users. Whether sending money, withdrawing cash, or transferring to other networks, M-Pesa continues to offer reliable and secure financial services. Stay informed of these charges to maximize efficiency in your transactions!