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

BusinessFinanceUpdated 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 – 49Free
50 – 10011
101 – 50029
501 – 1,00029
1,001 – 1,50029
1,501 – 2,50029
2,501 – 3,50052
3,501 – 5,00069
5,001 – 7,50087
7,501 – 10,000115
10,001 – 15,000167
15,001 – 20,000185
20,001 – 35,000197
35,001 – 50,000278
50,001 – 250,000309

2. M-Pesa Sending Charges for Registered Users

Transaction Range (KES)Charges (KES)
1 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

3. Pochi La Biashara Charges

Transaction Range (KES)Charges (KES)
1 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

4. M-Pesa Transfer Charges to Other Networks (Telkom/Airtel)

Transaction Range (KES)Charges (KES)
1 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

5. M-Pesa Transfer Charges to Unregistered Users

Transaction Range (KES)Charges (KES)
1 – 49N/A
50 – 100N/A
101 – 50047
501 – 1,00051
1,001 – 1,50061
1,501 – 2,50076
2,501 – 3,500115
3,501 – 5,000139
5,001 – 7,500171
7,501 – 10,000211
10,001 – 15,000273
15,001 – 20,000296
20,001 – 35,000309
35,001 – 50,000318
50,001 – 250,000318

6. M-Pesa ATM Withdrawal Charges

Transaction Range (KES)Charges (KES)
200 – 2,50035
2,501 – 5,00069
5,001 – 10,000115
10,001 – 35,000203

Important Notes for M-Pesa Users

  1. Maximum Account Balance: KES 500,000.
  2. Maximum Daily Transaction Value: KES 500,000.
  3. Maximum Per Transaction: KES 250,000.
  4. Minimum Withdrawal Amount at Agents: KES 50.
  5. Reversal Process: Send the transaction confirmation message to 456 to initiate a reversal.
  6. 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!

Bizmart
Bizmarthttps://bizmart.africa
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