New M-Pesa Withdrawal and Sending Charges (2025-2026)

M-Pesa continues to be Kenya’s most popular mobile money transfer service, providing seamless transactions locally and internationally. Since its inception in 2007, M-Pesa has revolutionized payments, making it easy to send and withdraw money. Below are the updated withdrawal and sending charges for 2025-2026.

1. M-Pesa Withdrawal Charges for 2025

Transaction Range (KES)	Charges (KES)
1 – 49	Free
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

2. M-Pesa Transfer Charges (Registered Users)

Transaction Range (KES)	Charges (KES)
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

3. Pochi La Biashara Charges

Transaction Range (KES)	Charges (KES)
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

4. M-Pesa Transfer Charges to Other Mobile Networks (e.g., Airtel, Telkom)

Transaction Range (KES)	Charges (KES)
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

5. M-Pesa Transfer Charges to Unregistered Users

Transaction Range (KES)	Charges (KES)
1 – 49	N/A
50 – 100	N/A
101 – 500	47
501 – 1,000	51
1,001 – 1,500	61
1,501 – 2,500	76
2,501 – 3,500	115
3,501 – 5,000	139
5,001 – 7,500	171
7,501 – 10,000	211
10,001 – 15,000	273
15,001 – 20,000	296
20,001 – 35,000	309
35,001 – 50,000	318
50,001 – 250,000	318

6. M-Pesa ATM Withdrawal Charges

Transaction Range (KES)	Charges (KES)
200 – 2,500	35
2,501 – 5,000	69
5,001 – 10,000	115
10,001 – 35,000	203

Important Notes for M-Pesa Users

Maximum Account Balance: KES 500,000
Maximum Daily Transaction Value: KES 500,000
Maximum Per Transaction Limit: KES 250,000
Minimum Withdrawal Amount at Agent Outlets: KES 50
M-Pesa Reversal: To reverse a transaction, forward the confirmation message to 456.
Bonga Points: Earn Bonga points for every M-Pesa transaction.

Conclusion

M-Pesa remains a cornerstone of Kenya’s cashless economy. With updated charges for 2025-2026, the service continues to provide affordable, convenient, and secure options for millions of users. Staying informed about these fees will help you maximize your financial decisions and enjoy the full benefits of M-Pesa.