M-PESA Charges 2025: What It Costs to Send and Withdraw Money from Safaricom

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. The iconic M-PESA logo, representing Safaricom's pioneering mobile money service that has revolutionized financial transactions across Kenya and beyond. 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. ALSO READ: Bozoma Saint John’s Impact on Brand, Culture, and Leadership