M-Pesa transfer and withdrawal charges 2023

M-Pesa is a mobile phone-based money transfer, financing and microfinancing service. The service allows users to deposit, withdraw, transfer money and pay for goods and services (Lipa na M-Pesa) easily with a mobile device. As a branchless banking service; users can deposit and withdraw money from a network of agents that includes airtime resellers and retail outlets acting as banking agents. Users are charged a small fee for sending and withdrawing money using the service. Mpesa charges will depend on the amount you are sending or withdrawing.

What you need to know about M-Pesa

Here are some things you need to know about Mpesa.

Maximum account balance is Ksh 300,000
Maximum daily transaction value is Ksh 300,000
Maximum amount per transaction is Ksh 150,000
You cannot withdraw less than Ksh 50 at an Mpesa agent outlet
To initiate Mpesa person to person self reversal, send the transaction confirmation message to 456
To transact, your Safaricom line and Mpesa account must be active
At an agent outlet, you cannot deposit money directly into another Mpesa customer’s account
You earn Bonga points when you transact on Mpesa
To transact at any Mpesa agent outlet, you will be required to produce your original identification document, i.e., National ID or Kenyan Passport
You get 3 free transactions per day for amounts Ksh 1 to Ksh 100, thereafter Ksh 1 for (Ksh 1 – Ksh 49) and Ksh 2 (Ksh 50 – Ksh 100) will apply
Dial *234# to view applicable charges or use Mpesa cost calculator on mySafaricom App
An unregistered customer can withdraw money sent to them by an Mpesa customer in Kenya from any agent within 7 days, but cannot carry out other Mpesa transactions
Unregistered customers will have to register within 21 days to receive funds via the IMT service
Registered customers can withdraw cash from participating ATM networks. The maximum you can withdraw from your Mpesa account from an ATM is Ksh 20,000
You can use your Mpesa menu to buy airtime for your phone, or for someone else. This service is free and you will only pay for the airtime purchased

M-Pesa transfer charges

Here are the Mpesa transfer charges.

a. Transfer to unregistered users

Minimum	Maximum	Charges
Ksh 1	Ksh 49	N/A
Ksh 50	Ksh 100	N/A
Ksh 101	Ksh 500	Ksh 45
Ksh 501	Ksh 1,000	Ksh 49
Ksh 1,001	Ksh 1,500	Ksh 59
Ksh 1,501	Ksh 2,500	Ksh 74
Ksh 2,501	Ksh 3,500	Ksh 112
Ksh 3,501	Ksh 5,000	Ksh 135
Ksh 5,001	Ksh 7,500	Ksh 166
Ksh 7,501	Ksh 10,000	Ksh 205
Ksh 10,001	Ksh 15,000	Ksh 265
Ksh 15,001	Ksh 20,000	Ksh 288
Ksh 20,001	Ksh 35,000	Ksh 309
Ksh 35,001	Ksh 50,000	N/A
Ksh 50,001	Ksh 150,000	N/A

b. Transfer to other Mpesa users, Pochi La Biashara and Business Till To customer

Minimum	Maximum	Charges
Ksh 1	Ksh 49	Free
Ksh 50	Ksh 100	Free
Ksh 101	Ksh 500	Ksh 6
Ksh 501	Ksh 1,000	Ksh 12
Ksh 1,001	Ksh 1,500	Ksh 22
Ksh 1,501	Ksh 2,500	Ksh 32
Ksh 2,501	Ksh 3,500	Ksh 51
Ksh 3,501	Ksh 5,000	Ksh 55
Ksh 5,001	Ksh 7,500	Ksh 75
Ksh 7,501	Ksh 10,000	Ksh 87
Ksh 10,001	Ksh 15,000	Ksh 97
Ksh 15,001	Ksh 20,000	Ksh 102
Ksh 20,001	Ksh 35,000	Ksh 105
Ksh 35,001	Ksh 50,000	Ksh 105
Ksh 50,001	Ksh 150,000	Ksh 105

c. Transfer to other mobile money users

Minimum	Maximum	Charges
Ksh 1	Ksh 49	N/A
Ksh 50	Ksh 100	N/A
Ksh 101	Ksh 500	Ksh 6
Ksh 501	Ksh 1,000	Ksh 12
Ksh 1,001	Ksh 1,500	Ksh 22
Ksh 1,501	Ksh 2,500	Ksh 32
Ksh 2,501	Ksh 3,500	Ksh 51
Ksh 3,501	Ksh 5,000	Ksh 55
Ksh 5,001	Ksh 7,500	Ksh 75
Ksh 7,501	Ksh 10,000	Ksh 87
Ksh 10,001	Ksh 15,000	Ksh 97
Ksh 15,001	Ksh 20,000	Ksh 102
Ksh 20,001	Ksh 35,000	Ksh 105
Ksh 35,001	Ksh 50,000	Ksh 105
Ksh 50,001	Ksh 150,000	Ksh 105

M-Pesa withdrawal charges

Here are the Mpesa withdrawal charges.

a. Withdrawal from Mpesa agent

Minimum	Maximum	Charges
Ksh 1	Ksh 49	N/A
Ksh 50	Ksh 100	Ksh 10
Ksh 101	Ksh 500	Ksh 27
Ksh 501	Ksh 1,000	Ksh 28
Ksh 1,001	Ksh 1,500	Ksh 28
Ksh 1,501	Ksh 2,500	Ksh 28
Ksh 2,501	Ksh 3,500	Ksh 50
Ksh 3,501	Ksh 5,000	Ksh 67
Ksh 5,001	Ksh 7,500	Ksh 84
Ksh 7,501	Ksh 10,000	Ksh 112
Ksh 10,001	Ksh 15,000	Ksh 162
Ksh 15,001	Ksh 20,000	Ksh 180
Ksh 20,001	Ksh 35,000	Ksh 191
Ksh 35,001	Ksh 50,000	Ksh 270
Ksh 50,001	Ksh 150,000	Ksh 300