Mpesa Charges for Withdrawal and Sending Money 2022

The maximumMPesa account balance is now adjusted to 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 with respect to the current MPesa rates.

The new Safaricom Mpesa money transfer rates started applying with effect from January 1st, 2021.

You can also get Mpesa charges by dialing *234# or by using 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#, works on any phone.

See also: List of USSD Short Codes for all Safaricom Services

You can also perform Mpesa transactions conveniently using Safaricom’s mySafaricom App which can be downloaded from the Google Play Store on your smartphone.

Plus you also get to be awarded 500MB of data by Safaricom on your first download of the app.

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 Charges to Unregistered Users

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

Mpesa Charges for Transfer to Other Mobile Users

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

You can withdraw from a minimum of Ksh. 200 to a maximum of Ksh. 20,000 at any ATM, depending on the bank’s ATM.

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 the Mpesa account, Mpesa registration, balance inquiry, and change of Mpesa PIN are totally free.

Also read:

1. How to Apply and Repay Zenka Loan Via App and USSD Code
2. List of Mobile Loan Apps in Kenya and their Interest Rates
3. How to Get Lipa na Mpesa Till Number Online and Activate Using USSD
4. USSD Codes for Mobile Loans Apps in Kenya
5. Equity Bank Agency and Equitel Money Transfer Rates