Mpesa has become an essential part of daily life for millions of Kenyans. Whether you’re paying bills, sending money to family, or withdrawing cash, understanding the new Mpesa charges helps you budget better and avoid surprises.
Safaricom has updated its Mpesa withdrawal and sending charges in 2025 to reflect the current economic realities and changing transaction trends.
This guide breaks down all the updated charges in a simple, easy-to-understand format so that you can stay informed and make smart financial decisions.
Understanding Mpesa Withdrawal and Sending Charges in 2025
Mpesa is more than just a mobile wallet; it is Kenya’s most trusted financial tool. With a daily transaction limit of Ksh 500,000 and a per transaction cap of Ksh 250,000, it continues to support both personal and business transactions across the country.
Safaricom has introduced updated charges for different services such as agent withdrawals, ATM withdrawals, sending to other users, and transferring money to different networks.
Let’s break down each set of Mpesa charges in detail.
Mpesa Withdrawal Charges at Agent Outlets
Mpesa allows cash withdrawals at agent outlets across the country. Here’s what you’ll pay:
- Ksh 1 – 49: Free
- Ksh 50 – 100: Ksh 11
- Ksh 101 – 500: Ksh 29
- Ksh 501 – 1,500: Ksh 29
- Ksh 1,501 – 2,500: Ksh 29
- Ksh 2,501 – 3,500: Ksh 52
- Ksh 3,501 – 5,000: Ksh 69
- Ksh 5,001 – 7,500: Ksh 87
- Ksh 7,501 – 10,000: Ksh 115
- Ksh 10,001 – 15,000: Ksh 167
- Ksh 15,001 – 20,000: Ksh 185
- Ksh 20,001 – 35,000: Ksh 197
- Ksh 35,001 – 50,000: Ksh 278
- Ksh 50,001 – 250,000: Ksh 309
You must present your original ID at the agent outlet and withdraw at least Ksh 50.
Mpesa Transfer Charges to Registered Users
Sending money to another registered Mpesa user is common and affordable:
- Ksh 1 – 100: Free
- Ksh 101 – 500: Ksh 7
- Ksh 501 – 1,000: Ksh 13
- Ksh 1,001 – 1,500: Ksh 23
- Ksh 1,501 – 2,500: Ksh 33
- Ksh 2,501 – 3,500: Ksh 53
- Ksh 3,501 – 5,000: Ksh 57
- Ksh 5,001 – 7,500: Ksh 78
- Ksh 7,501 – 10,000: Ksh 90
- Ksh 10,001 – 15,000: Ksh 100
- Ksh 15,001 – 250,000: Ksh 108
Transfers below Ksh 100 are free, making it cost-effective for low-value transactions.
Pochi La Biashara Transfer Charges
Pochi La Biashara is a wallet designed for small business owners. Charges are identical to sending money to registered users:
- Up to Ksh 100: Free
- Ksh 101 – 500: Ksh 7
- Ksh 501 – 1,000: Ksh 13
- Ksh 1,001 – 1,500: Ksh 23
- Ksh 1,501 – 2,500: Ksh 33
- Ksh 2,501 – 3,500: Ksh 53
- Ksh 3,501 – 5,000: Ksh 57
- Ksh 5,001 – 7,500: Ksh 78
- Ksh 7,501 – 10,000: Ksh 90
- Ksh 10,001 – 15,000: Ksh 100
- Ksh 15,001 – 250,000: Ksh 108
Sending Money to Other Networks
When you send money to Telkom, Airtel, or other networks:
- Ksh 1 – 100: Free
- Ksh 101 – 500: Ksh 7
- Ksh 501 – 1,000: Ksh 13
- Ksh 1,001 – 1,500: Ksh 23
- Ksh 1,501 – 2,500: Ksh 33
- Ksh 2,501 – 3,500: Ksh 53
- Ksh 3,501 – 5,000: Ksh 57
- Ksh 5,001 – 7,500: Ksh 78
- Ksh 7,501 – 10,000: Ksh 90
- Ksh 10,001 – 250,000: Ksh 108
The charges are the same as sending to registered users after Ksh 500.
Mpesa Charges to Unregistered Users
Sending to unregistered users is significantly more expensive:
- Ksh 101 – 500: Ksh 47
- Ksh 501 – 1,000: Ksh 51
- Ksh 1,001 – 1,500: Ksh 61
- Ksh 1,501 – 2,500: Ksh 76
- Ksh 2,501 – 3,500: Ksh 115
- Ksh 3,501 – 5,000: Ksh 139
- Ksh 5,001 – 7,500: Ksh 171
- Ksh 7,501 – 10,000: Ksh 211
- Ksh 10,001 – 15,000: Ksh 273
- Ksh 15,001 – 20,000: Ksh 296
- Ksh 20,001 – 250,000: Ksh 318
Avoid sending money to unregistered users unless necessary.
Mpesa ATM Withdrawal Charges
If you choose to withdraw from an ATM instead of an agent:
- Ksh 200 – 2,500: Ksh 35
- Ksh 2,501 – 5,000: Ksh 69
- Ksh 5,001 – 10,000: Ksh 115
- Ksh 10,001 – 35,000: Ksh 203
ATM withdrawals offer convenience but are often more expensive than agents.
Key Points to Remember
- Maximum Mpesa account balance: Ksh 500,000
- Maximum daily transaction limit: Ksh 500,000
- Maximum per transaction: Ksh 250,000
- Minimum withdrawal amount at agents: Ksh 50
- For reversals, forward the transaction message to 456
- Every transaction earns you Bonga Points
