M-Pesa charges 2026: sending and withdrawal costs
M-Pesa charges are flat fees per amount band. Third-party sites quoting Safaricom's tariff, last updated 4 August 2026, report that the personal send and withdraw tariffs have not changed since 2023. Always confirm on Safaricom's website before you rely on a figure.
Sending money
Sending KES 1 to 100 is reported as free. Examples from published 2026 tariff guides: KES 500 costs KES 7 and KES 1,000 costs KES 13. Sending to Airtel Money or T-Kash is reported to cost the same as sending to Safaricom. Send fees are reported to be capped at KES 108.
Withdrawing at an agent
Agent withdrawal fees are higher than send fees. Published examples: KES 1,000 costs KES 29 and KES 10,000 costs KES 115. The minimum agent withdrawal is reported as KES 50 and the highest band as KES 309.
Ways to pay less
Pay with Buy Goods or Paybill instead of withdrawing cash, send in one transfer instead of several, and check the fee on the confirmation screen before you enter your PIN.
Promotions and business tariffs
Safaricom has run promotional tariffs, including one reported to end on 31 October 2026. Promotions can change or end, so check Safaricom for what applies today.
M-Pesa charges and loans
Loan repayments through Paybill may carry their own charges. Ask your lender if any extra fee applies, and see our M-Pesa loans guide.
Official tariff
The complete current table is on Safaricom's website at safaricom.co.ke. Search for M-Pesa tariffs.
Frequently asked questions
Is sending money under KES 100 free?
Published tariff guides report that sending KES 1 to 100 is free.
Are M-Pesa charges the same for Airtel Money?
Guides report the send tariff is the same for Safaricom, Airtel Money and T-Kash.
Where do I find the official table?
On Safaricom's website. Third-party tables can be out of date.
Last updated: October 2026. Loan Apps Kenya is an information website. We are not a lender and do not guarantee loan approval. ZangCash connects customers with independent businesses and providers. Borrow only what you can repay, and check that any lender is licensed by the Central Bank of Kenya (CBK) before you share personal details.