M-Pesa Withdrawal Charges 2026

Agent withdrawals cost more than sending. Published examples: KES 29 for KES 1,000 and KES 115 for KES 10,000.

What is reported

The lowest agent band is KES 11 for KES 50 to 100, and the top band is reported at KES 309. The minimum agent withdrawal is KES 50.

ATMs

ATM withdrawals use a different tariff, and some banks add a surcharge. Check the screen.

Save money

Pay by Buy Goods instead of withdrawing.

Full table

See M-Pesa charges 2026 and Safaricom's official tariff.

Frequently asked questions

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.