New Safaricom M-PESA Charges / Paybill Charges Kenya

Safaricom M-PESA allows you to send money within Kenya to both Safaricom and other telecommunication company subscribers. Using the services too allows one to pay utility bills, link to PayPal, pay for the different services, deposit, transfer and receive money, buy Airtime (Airtime popup), withdraw through bank ATM, receive money internationally, and etc.

M-PESA is a service and product of Safaricom Kenya, a leading telecommunication company offering both Voice, Data and money transfer services across Kenya with Roaming services in both Africa and the world at large. If you were wondering the current (updated) Safaricom M-PESA / Paybill charges and rates Kenya 2020, all you need is to keep reading this post.

Safaricom M-PESA / Paybill charges 2025

Safaricom Mpesa Charges Kenya
Minimum (Ksh)	Maximum (Ksh)	Transfer to other M-PESA Users	Transfer to Unregistered Users	Withdraw From M-PESA Agent
1	49	Free	N/A	N/A
50	100	Free	N/A	10
101	500	11	45	27
501	1,000	15	49	28
1,001	1,500	26	59	28
1,501	2,500	41	74	28
2,501	3,500	56	112	50
3,501	5,000	61	135	67
5,001	7,500	77	166	84
7,501	10,000	87	205	112
10,001	15,000	97	265	162
15,001	20,000	102	288	180
20,001	35,000	105	309	191
35,001	50,000	105	N/A	270
50,001	70,000	105	N/A	300
Safaricom Mpesa Withdrawal Charges for ATM
Minimum (Ksh)	Maximum (Ksh)	Mpesa Charges
200	2,500	34
2,501	5,000	67
5001	10,000	112
10,001	20,000	197

M-PESA charges will depend on the amount you are sending or withdrawing. You can use your M-PESA menu to buy airtime for your phone, or for someone else. This service is free and you will only pay for the airtime purchased.

Additional Information about Safaricom M-PESA

Maximum Account Balance is KSHs.100,000
Maximum Daily Transaction Value is KSHs.140,000.
Maximum per transaction is KSHs.70,000
You cannot withdraw less than KSHs.50 at an M-PESA agent outlet
To transact, your Safaricom line and M-PESA account must be active
At an agent outlet, you cannot deposit money directly into another M-PESA customer’s account
You earn Bonga points when you transact on M-PESA.
To register or transact at any M-PESA Agent outlet, you will be required to produce your original identification document, i.e., National ID, Passport, Military ID or Alien ID/Foreigner Certificate

Due to the nature of financial sector in Kenya, the above charges are subject to change by Safaricom Kenya at any time. In case changes have occurred with the transaction rates and this post isn’t yet updated, please refer to MPESA page for a most recent update.