This is the full list of all M-Pesa Charges. Do note that, following a directive of the Central Bank of Kenya, you can now only send money to registered mobile money users. So say you have M-Pesa, previously you could send to any number – whether they were registered to a mobile money service or not. Now, they must be registered to say Airtel, TKash or M-Pesa to be able to receive money. This means, you don’t now have the “Send To Other Networks” option that used to be on M-Pesa Apps. Now, it is just “Send Money”, and the costs are the same.

Below you will also find transaction charges when paying via Paybill numbers, and when withdrawing from Agent or ATM. Last year, the wallet maximum was updated to KES 250,000 meaning you can now hold way more money on your M-Pesa than before.

Here’s an updated list of all M-Pesa transactions in 2024.

Charges for Sending Money to other M-Pesa Users, Pochi La Biashara, and from Business Till to Customer:

Sending money from your M-Pesa to another M-Pesa account, and also sending to other networks is now the same charge. So these charges will apply when sending money to Airtel Money, T-Kash, etc.

Amount Transacted	Charges
1 – 49	Free
50 – 100	Free
101 – 500	7
501 – 1,000	13
1,001 – 1,500	23
1,501 – 2,500	33
2,501 – 3,500	53
3,501 – 5,000	57
5,001 – 7,500	78
7,501 – 10,000	90
10,001 – 15,000	100
15,001 – 20,000	105
20,001 – 35,000	108
35,001 – 50,000	108
50,001 – 250,000	108

Charges for withdrawing from M-Pesa Agent:

You’re able to withdraw from as little as KES 50 to as much as KES 250,000 via M-Pesa Agents. For ATM Withdrawals, the Minimum you can withdraw is KES 200 and the Maximum is KES 35,000.

Amount Withdrawn	Charges
1 – 49	N/A
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

Charges for withdrawing from M-Pesa via ATM:

Amount Withdrawn	Charges
200 – 2,500	35
2501 – 5,000	69
5001 – 10,000	115
10001 – 35,000	203

M-Pesa Paybill Transaction Charges for 2024

These are the total charges for transacting using a PayBill Number. Please note that these charges will differ depending on what Tariff owner of PayBill chose when signing up. There’s a Mgao Tariff where customer and business share the total cost of transaction, a Business Tariff where customer incurs full charge, and a customer tariff where business incurs full charge.

Amount Transacted	Total Charges
1 – 49	0
50 – 100	0
101 – 500	5
501 – 1,000	10
1,001 – 1,500	15
1,501 – 2,500	20
2,501 – 3,500	25
3,501 – 5,000	34
5,001 – 7,500	42
7,501 – 10,000	48
10,001 – 15,000	57
15,001 – 20,000	62
20,001 – 25,000	67
25,001 – 30,000	72
30,001 – 35,000	83
35,001 – 40,000	99
40,001 – 45,000	103
45,001 – 50,000	108
50,001 – 70,000	108
70,001 – 250,000	108

If a business is on Mgao tariff, a customer will pay a little less of the total charge with the business incurring the other bit. If a business is on the other tariffs, they will choose to either absorb the full transaction cost, or pass it all to the customer. Most businesses pass the cost to customer, and so the above charges will apply to the customer.

M-Pesa to Till Numbers

All M-Pesa to Till Number transactions are free for the customer. Except for Till Numbers at Petrol Stations (as stated by Safaricom). It is not clear how charges on Till Numbers vary per petrol station. For business owners using Till Numbers, there are charges that apply to using Till Numbers. These are:

0.55% per transaction, capped at KES 200.
Transactions below KES 200 on Till Numbers attract no charges on businesses.
Existing M-Pesa Transaction charges above apply when moving cash from Till Number to wherever.