M-PESA has introduced several updates to its transaction limits and money transfer services over the past few years. One of the biggest changes is that you can no longer send money directly to unregistered mobile money users on the Safaricom, Airtel, or Telkom networks.
The recipient of the funds needs to have a registered mobile money account to receive funds through M-Pesa.
Transaction limits have also been increased to accommodate larger personal and business payments. Today, M-PESA users can transact up to KSh 500,000 in a single day, while the maximum amount allowed in a single transaction is KSh 250,000.
These higher limits make it easier for individuals and businesses to handle larger payments without splitting them into multiple transactions.
You can access MPesa services through the MPesa menu in the SIM Tool Kit or by dialing the MPesa USSD shortcode *334#. The *334# code is particularly useful when the M-PESA menu hangs or for some reason is not able to complete the transaction.
See also: How to Send Money from MPesa to Airtel Money and other Networks
M-Pesa Charges for Sending Money to Registered Users
Here are the M-Pesa rates when sending money to registered mobile money users. This table also applies to registered Airtel Money & Tkash users, Pochi La Biashara and Business Till to Customer.
| Min (Ksh) | Max (Ksh) | M-PESA 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 | 150,000 | 108 |
M-Pesa Withdrawal Charges from an M-Pesa Agent
Here are the current charges you will incur when withdrawing cash from M-Pesa agents. Take note that the minimum you can withdraw is 50 shillings.
| Min (Ksh) | Max (Ksh) | M-PESA 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 | 150,000 | 309 |
An MPesa and Equity Bank Agent Outlet.
M-Pesa Withdrawal Charges at an ATM
When withdrawing from M-Pesa at an ATM booth, here are the charges you will incur:
| Min (Ksh) | Max (Ksh) | M-PESA Charges |
| 200 | 2,500 | 35 |
| 2,501 | 5,000 | 69 |
| 5,001 | 10,000 | 115 |
| 10,001 | 35,000 | 203 |
You can now withdraw up to Ksh. 35,000 from any ATM using M-Pesa.
Take note that all M-Pesa deposits, buying airtime from the M-Pesa account, M-Pesa registration, balance inquiry, and change of M-Pesa PIN are free.
Points to note when using M-Pesa services
- The maximum account balance is now Ksh. 500,000
- You can transact up to Ksh. 500,000 in a single day with a maximum per transaction capped at Ksh. 250,000
- The Minimum you can withdraw at any 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 need a Kenyan ID or a Kenyan Passport to transact at Mpesa agent outlets.
Also read:
Why is Safaricom not publishing transaction fee! What am seeing here is Mpesa charges only. Kindly give out the list for transaction fee also
Hi Margaret.
You can find more about Safaricom paybill transaction charges here:
Safaricom Mpesa Paybill Transaction Charges