Safaricom Kenya adjusted their Mpesa services rates and tariffs to align with the economic impact towards Kenyans due to the COVID-19 pandemic. The maximum account balance is now Ksh. 300,000 up from Ksh. 100,000. You can transact up to Ksh. 300,000 in a single day, with a maximum of Ksh. 150,000 per transaction.

However, as the tax Covid reliefs come to an end, Safaricom made a small adjustment to their Mpesa money transfer rates with effect from January 1st, 2021.


See also:

  1. List of USSD Short Codes for all Safaricom Services
  2. Safaricom Home Fibre Packages, Connection and Prices
  3. How to Buy Airtel and Telkom Airtime from Safaricom Mpesa

To get the most recent Mpesa charges, dial *234# or use the M-PESA cost calculator on the mySafaricom App.

Mpesa services can be accessed by Safaricom customers either through the Safaricom line’s Mpesa menu or through the recently launched Mpesa shortcode service  *334#.

Here is what you should note when using Safaricom Mpesa services:

  • Mpesa charges will depend on the amount you are sending or withdrawing
  • Your Safaricom line and Mpesa account must be active for you to transact
  • The maximum account balance is Ksh. 300,000
  • You can transact up to Ksh. 300,000 in a single day with a maximum per transaction capped at Ksh. 150,000
  • The Minimum you can withdraw at an Mpesa agent is Ksh. 50
  • You can initiate self reversal by sending the transaction confirmation message to 456
  • You cannot deposit money directly into another Mpesa customer’s account
  • You earn Bonga points when you transact on Mpesa
  • You need a Kenyan ID or a Kenyan Passport in order to transact at an Mpesa outlet.


Mpesa Withdrawal Charges from Mpesa Agent

Min (Ksh) Max (Ksh) M-PESA Charges
1 49 N/A
50 100 10
101 500 27
501 1,000 28
1,001 1,500 28
1,501 2,500 28
2,501 3,500 50
3,501 5,000 67
5,001 7,500 84
7,501 10,000 112
10,001 15,000 162
15,001 20,000 180
20,001 35,000 191
35,001 50,000 270
50,001 150,000 300

Mpesa Transfer to Unregistered Users Rates

Min (Ksh) Max (Ksh) M-PESA Charges
1 49 N/A
50 100 N/A
101 500 45
501 1,000 49
1,001 1,500 59
1,501 2,500 74
2,501 3,500 112
3,501 5,000 135
5,001 7,500 166
7,501 10,000 205
10,001 15,000 265
15,001 20,000 288
20,001 35,000 309
35,001 50,000 N/A
50,001 150,000 N/A


Transfer to Other Mpesa Users, Pochi La Biashara and Business Till to Customers Rates

Min (Ksh) Max (Ksh) M-PESA Charges
1 49 FREE
50 100 FREE
101 500 6
501 1,000 12
1,001 1,500 22
1,501 2,500 32
2,501 3,500 51
3,501 5,000 55
5,001 7,500 75
7,501 10,000 87
10,001 15,000 97
15,001 20,000 102
20,001 35,000 105
35,001 50,000 105
50,001 150,000 105

Transfer to Other Mobile Users Mpesa Rates

Min (Ksh) Max (Ksh) M-PESA Charges
1 49 FREE
50 100 FREE
101 500 6
501 1,000 12
1,001 1,500 22
1,501 2,500 32
2,501 3,500 51
3,501 5,000 55
5,001 7,500 75
7,501 10,000 87
10,001 15,000 97
15,001 20,000 102
20,001 35,000 105
35,001 50,000 105
50,001 150,000 105


Mpesa ATM Withdrawal Charges

Min (Ksh) Max (Ksh) M-PESA Charges
200 2,500 34
2,501 5,000 67
5,001 10,000 112
10,001 20,000 197

All Mpesa deposits, buying airtime from Mpesa account, Mpesa registration, balance enquiry and change of Mpesa PIN are totally free.

Also read:

  1. List of Mobile Loan Apps in Kenya and their Interest Rates
  2. List of USSD Short Codes for all Safaricom Services
  3. How to Get Lipa na Mpesa Till Number Online and Activate Using USSD
  4. List of SACCOs in Kenya Regulated by SASRA
  5. USSD Codes for Mobile Loans Apps in Kenya
  6. Equity Bank Agency and Equitel Money Transfer Rates
  7. SACCO Paybill Number and USSD Codes for Major SACCOs in Kenya
  8. How to Choose or Change NHIF Outpatient Facility Online or Using Phone USSD Code