Cost of Sending Money via M-Pesa

Knowing the fees for M-Pesa transactions is crucial for you to plan your finances effectively. This calculator provides transparency on costs, helping you make informed choices.

Our calculator is user-friendly, covering a range of M-Pesa transactions like transfers to M-Pesa users, other mobile money users, unregistered users, and agent withdrawals. It ensures a seamless experience for accurate fee calculations.

M-PESA Charges

These are charges that a customer incurs depending on the amount of transaction and the transaction type i.e. sending or withdrawing.

Below are M-PESA Tariffs.

TRANSACTION RANGE (KSHS)		TRANSACTION TYPE AND CUSTOMER CHARGES (KSHS)
MIN	MAX	TRANSFER TO M-PESA USERS, POCHI LA BIASHARA AND BUSINESS TILL TO CUSTOMER	TRANSFER TO OTHER REGISTERED MOBILE MONEY USERS	TRANSFER TO UNREGISTERED USERS	WITHDRAWAL FROM M-PESA AGENT
1	49	Free	Free	N/A	N/A
50	100	Free	Free	N/A	11
101	500	7	7	47	29
501	1,000	13	13	51	29
1,001	1,500	23	23	61	29
1,501	2,500	33	33	76	29
2,501	3,500	53	53	115	52
3,501	5,000	57	57	139	69
5,001	7,500	78	78	171	87
7,501	10,000	90	90	211	115
10,001	15,000	100	100	273	167
15,001	20,000	105	105	296	185
20,001	35,000	108	108	318	197
35,001	50,000	108	108	318	278
50,001	250,000	108	108	318	309

ATM Withdrawal Tariff
Min	Max	Kshs
200	2500	35
2501	5000	69
5001	10000	115
10001	35000	203

Important information

Maximum Account Balance: Your M-PESA account can hold a maximum balance of Kshs.500,000.
Maximum Daily Transaction Value: The maximum value for daily transactions is set at Kshs.500,000.
Maximum Amount per Transaction: Each transaction is capped at a maximum of Kshs.250,000.
Minimum Withdrawal Amount: The minimum amount you can withdraw at an M-PESA Agent is Kshs.50.
M-PESA Person to Person Self-Reversal: To initiate a self-reversal for a person-to-person transaction, send the transaction confirmation to 456.
Active Safaricom Line and M-PESA Account: Ensure that your Safaricom line and M-PESA account are active to transact.
Depositing Funds: You can only deposit funds into an M-PESA account registered under your own identification document (ID). Depositing directly into third-party accounts is not allowed.
Bonga Points Earning: You will earn Bonga Points based on the M-PESA fee charged during your transactions.
Identification Document Requirement: When transacting at any M-PESA agent outlet, you need to produce your original identification document with which the M-PESA account was registered. Acceptable documents include the National ID or Kenyan Passport.

Mpesa Cost Disclaimer

It's essential to note that M-Pesa fees are subject to change, and variations may occur based on factors such as transaction amounts and types. Stay informed about the latest fee updates.

Mpesa Transaction Charges Calculator 2024

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Cost of Sending Money via M-Pesa

M-PESA Charges

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Mpesa Cost Disclaimer

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