M-PESA Charges 2025
In 2025, Safaricom has streamlined its M-PESA charges, marking a new era of mobile money convenience for Kenyans.
With over 30 million active users, M-PESA remains the backbone of digital transactions in the country.
The changes to the cost structure, which took effect in January 2025, have been designed to promote interoperability, improve transparency, and support financial inclusion.
Here’s a comprehensive guide on what it now costs to send money via M-PESA, withdraw cash, and transfer to other mobile money networks.
Including the updated charges and important highlights to note.
What’s New in 2025?
Harmonized Transfer Fees
Sending money to users on Airtel Money and Telkom T-Kash now attracts the same fees as sending to other Safaricom users.
This is in line with government efforts to improve interoperability in mobile money.
Discontinued Transfers to Unregistered Users
For security and compliance reasons, you can no longer send money to unregistered mobile money users.
Maximum Transaction Limits Revised
Users can now transact up to KES 500,000 per day, with a KES 250,000 per transaction limit, up from the previous KES 150,000.
M-PESA Sending Charges in 2025
The table below outlines the current charges for sending money via M-PESA to registered users on Safaricom and other networks:
| Transaction Range (KES) | To M-PESA, Pochi, and Business Till (KES) | To Other Registered Mobile Money Users (KES) |
|---|---|---|
| 1 – 49 | Free | Free |
| 50 – 100 | Free | Free |
| 101 – 500 | 7 | 7 |
| 501 – 1,000 | 13 | 13 |
| 1,001 – 1,500 | 23 | 23 |
| 1,501 – 2,500 | 33 | 33 |
| 2,501 – 3,500 | 53 | 53 |
| 3,501 – 5,000 | 57 | 57 |
| 5,001 – 7,500 | 78 | 78 |
| 7,501 – 10,000 | 90 | 90 |
| 10,001 – 15,000 | 100 | 100 |
| 15,001 – 20,000 | 105 | 105 |
| 20,001 – 35,000 | 108 | 108 |
| 35,001 – 50,000 | 108 | 108 |
| 50,001 – 250,000 | 108 | 108 |
Good to Know
All deposits remain free.
Airtime purchases via M-PESA are still free of charge.
Transfers to unregistered users have been removed from the system.
M-PESA Withdrawal Charges – 2025
At an M-PESA Agent
| Transaction Range (KES) | Withdrawal Charge (KES) |
|---|---|
| 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 |
📌 Note: Withdrawals below KES 50 are not permitted at agents.
At an ATM
| Transaction Range (KES) | ATM Withdrawal Charge (KES) |
|---|---|
| 200 – 2,500 | 35 |
| 2,501 – 5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001 – 35,000 | 203 |
M-PESA Transaction & Account Limits
| Type | Limit (KES) |
|---|---|
| Maximum Transaction | 250,000 |
| Daily Transaction Limit | 500,000 |
| Maximum Account Balance | 500,000 |
| Minimum Withdrawal | 50 |
Free M-PESA Services
Depositing cash at an agent
Airtime purchases for self or others
Balance enquiry
Change PIN
M-PESA registration
Final Thoughts
The 2025 M-PESA tariffs signal a big step toward inclusivity and ease of use across different mobile money networks.
With unified charges and higher transaction limits, Kenyans can now send and withdraw money with more flexibility, transparency, and fairness.
Stay updated by dialing *234# or checking the M-PESA or mySafaricom app for real-time tariffs.
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