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All M-Pesa Transaction Costs including PayBill Charges (2024 Update)

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 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

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 WithdrawnCharges
1 – 49N/A
50 – 10011
101 – 50029
501 – 1,00029
1,001 – 1,50029
1,501 – 2,50029
2,501 – 3,50052
3,501 – 5,00069
5,001 – 7,50087
7,501 – 10,000115
10,001 – 15,000167
15,001 – 20,000185
20,001 – 35,000197
35,001 – 50,000278
50,001 – 250,000309

Charges for withdrawing from M-Pesa via ATM:

Amount WithdrawnCharges
200 – 2,50035
2501 – 5,00069
5001 – 10,000115
10001 – 35,000203

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 TransactedTotal Charges
1 – 490
50 – 1000
101 – 5005
501 – 1,00010
1,001 – 1,50015
1,501 – 2,50020
2,501 – 3,50025
3,501 – 5,00034
5,001 – 7,50042
7,501 – 10,00048
10,001 – 15,00057
15,001 – 20,00062
20,001 – 25,00067
25,001 – 30,00072
30,001 – 35,00083
35,001 – 40,00099
40,001 – 45,000103
45,001 – 50,000108
50,001 – 70,000108
70,001 – 250,000108

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:

  1. 0.55% per transaction, capped at KES 200.
  2. Transactions below KES 200 on Till Numbers attract no charges on businesses.
  3. Existing M-Pesa Transaction charges above apply when moving cash from Till Number to wherever.

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