Withdraw less often
Larger, less frequent cash-outs reduce cumulative agent fees.
M-Pesa Charges Calculator
Calculate exact M-Pesa transaction fees for Kenya (2025). Includes Send Money, Withdraw, PayBill, Buy Goods (Till), Fuliza and GlobalPay.
Send Money Calculator
Calculate charges for sending money from one M-Pesa account to another
Batch Calculator
Calculate charges for multiple transactions at once
Enter multiple amounts to calculate bulk transaction costs
Compare Charges
Set two scenarios side‑by‑side to compare total cost and effective rate.
Scenario A
FeeKES —
ExciseKES —
TotalKES —
Eff. rate—%
Scenario B
FeeKES —
ExciseKES —
TotalKES —
Eff. rate—%
M‑Pesa Tariff Tables
Switch tabs to see full published charges for each transaction type. Excise duty, where applicable, is applied to fees.
Send to M‑Pesa (P2P)
| Amount (KES) | Fee (KES) |
|---|---|
| 1 – 100 | 0 |
| 101 – 500 | 5 |
| 501 – 1,000 | 10 |
| 1,001 – 1,500 | 15 |
| 1,501 – 2,500 | 20 |
| 2,501 – 3,500 | 30 |
| 3,501 – 5,000 | 50 |
| 5,001 – 7,500 | 55 |
| 7,501 – 10,000 | 60 |
| 10,001 – 15,000 | 75 |
| 15,001 – 20,000 | 90 |
| 20,001 – 35,000 | 100 |
| 35,001 – 50,000 | 105 |
| 50,001 – 70,000 | 107 |
| 70,001 – 250,000 | 108 |
Send to other networks
| Amount (KES) | Fee (KES) |
|---|---|
| 1 – 49 | 0 |
| 50 – 100 | 0 |
| 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 – 250,000 | 108 |
Agent withdrawals
| Amount (KES) | Fee (KES) |
|---|---|
| 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 – 250,000 | 309 |
ATM withdrawals
| Amount (KES) | Fee (KES) |
|---|---|
| 200 – 500 | 35 |
| 501 – 1,000 | 40 |
| 1,001 – 2,500 | 55 |
| 2,501 – 5,000 | 80 |
| 5,001 – 10,000 | 135 |
| 10,001 – 20,000 | 180 |
| 20,001 – 35,000 | 203 |
PayBill — Mgao tariff
| Band (KES) | Business | Customer | Total |
|---|---|---|---|
| 1 – 49 | 0 | 0 | 0 |
| 50 – 100 | 0 | 0 | 0 |
| 101 – 500 | 0 | 5 | 5 |
| 501 – 1,000 | 0 | 10 | 10 |
| 1,001 – 1,500 | 5 | 10 | 15 |
| 1,501 – 2,500 | 7 | 13 | 20 |
| 2,501 – 3,500 | 9 | 16 | 25 |
| 3,501 – 5,000 | 18 | 16 | 34 |
| 5,001 – 7,500 | 25 | 17 | 42 |
| 7,501 – 10,000 | 30 | 18 | 48 |
| 10,001 – 15,000 | 39 | 18 | 57 |
| 15,001 – 20,000 | 43 | 19 | 62 |
| 20,001 – 25,000 | 47 | 20 | 67 |
| 25,001 – 30,000 | 52 | 20 | 72 |
| 30,001 – 35,000 | 62 | 21 | 83 |
| 35,001 – 40,000 | 76 | 23 | 99 |
| 40,001 – 45,000 | 80 | 23 | 103 |
| 45,001 – 50,000 | 84 | 24 | 108 |
| 50,001 – 70,000 | 84 | 24 | 108 |
| 70,001 – 250,000 | 84 | 24 | 108 |
PayBill — Business tariff (customer pays)
| Band (KES) | Business | Customer | Total |
|---|---|---|---|
| 1 – 49 | 0 | 0 | 0 |
| 50 – 100 | 0 | 0 | 0 |
| 101 – 500 | 0 | 5 | 5 |
| 501 – 1,000 | 0 | 10 | 10 |
| 1,001 – 1,500 | 0 | 15 | 15 |
| 1,501 – 2,500 | 0 | 20 | 20 |
| 2,501 – 3,500 | 0 | 25 | 25 |
| 3,501 – 5,000 | 0 | 34 | 34 |
| 5,001 – 7,500 | 0 | 42 | 42 |
| 7,501 – 10,000 | 0 | 48 | 48 |
| 10,001 – 15,000 | 0 | 57 | 57 |
| 15,001 – 20,000 | 0 | 62 | 62 |
| 20,001 – 25,000 | 0 | 67 | 67 |
| 25,001 – 30,000 | 0 | 72 | 72 |
| 30,001 – 35,000 | 0 | 83 | 83 |
| 35,001 – 40,000 | 0 | 99 | 99 |
| 40,001 – 45,000 | 0 | 103 | 103 |
| 45,001 – 50,000 | 0 | 108 | 108 |
| 50,001 – 70,000 | 0 | 108 | 108 |
| 70,001 – 250,000 | 0 | 108 | 108 |
PayBill — Customer tariff (business pays)
| Band (KES) | Business | Customer | Total |
|---|---|---|---|
| 1 – 49 | 0 | 0 | 0 |
| 50 – 100 | 0 | 0 | 0 |
| 101 – 500 | 5 | 0 | 5 |
| 501 – 1,000 | 10 | 0 | 10 |
| 1,001 – 1,500 | 15 | 0 | 15 |
| 1,501 – 2,500 | 20 | 0 | 20 |
| 2,501 – 3,500 | 25 | 0 | 25 |
| 3,501 – 5,000 | 34 | 0 | 34 |
| 5,001 – 7,500 | 42 | 0 | 42 |
| 7,501 – 10,000 | 48 | 0 | 48 |
| 10,001 – 15,000 | 57 | 0 | 57 |
| 15,001 – 20,000 | 62 | 0 | 62 |
| 20,001 – 25,000 | 67 | 0 | 67 |
| 25,001 – 30,000 | 72 | 0 | 72 |
| 30,001 – 35,000 | 83 | 0 | 83 |
| 35,001 – 40,000 | 99 | 0 | 99 |
| 40,001 – 45,000 | 103 | 0 | 103 |
| 45,001 – 50,000 | 108 | 0 | 108 |
| 50,001 – 70,000 | 108 | 0 | 108 |
| 70,001 – 250,000 | 108 | 0 | 108 |
Buy Goods (Till)
Pochi la Biashara
Uses the same sending bands as “Send to M‑Pesa”. Charges follow the standard P2P tariff.
Savings Tips
Practical ways to reduce your M‑Pesa costs.
Prefer Till over PayBill
Customer payments via Till are free; PayBill charges may apply.
Watch band thresholds
Small adjustments can keep your transaction within a cheaper band.
Review excise
Excise applies to fees, not amounts; understand its impact on totals.
M‑Pesa — FAQs
Key questions about 2025 M‑Pesa charges, excise duty and limits in Kenya.
Send to M‑Pesa (P2P) fees range from KES 0 to KES 108 depending on the amount band. Transfers of KES 1–100 to registered users are free.
Agent withdrawal fees range from KES 11 to KES 309, while ATM withdrawals range from KES 35 to KES 203 depending on the band.
Eligible M‑Pesa transaction fees are subject to 20% excise duty in Kenya. Excise is charged on the fee amount only, not on the principal you send or withdraw.
Depositing money into your M‑Pesa wallet is free on the M‑Pesa side. However, your bank may charge its own fee if you deposit from a bank account.
Yes. Buying airtime for yourself or another number using M‑Pesa is free and does not attract transaction fees or excise duty.
For most merchants, customer payments via Buy Goods (Till) are free; the business pays a small percentage fee. Some categories, like petrol stations, may have different arrangements.
PayBill can use Business, Mgao or Customer tariffs. Under Business, the customer pays the full fee; under Customer, the business pays; under Mgao, the fee is shared as shown in the PayBill tables.
Yes. Sending to other mobile networks generally costs more than P2P M‑Pesa sends, especially in mid and higher bands, as reflected in the “Send to other networks” tariff table.
Standard limits include a maximum wallet balance of KES 500,000, a per‑transaction limit of KES 250,000 and a daily limit of KES 500,000, subject to Safaricom’s latest policy.
Fuliza applies a 1% access fee on the amount overdrawn plus daily maintenance fees that depend on your Fuliza band. Small facilities may enjoy a short maintenance‑fee waiver period.
GlobalPay applies a 3.5% FX markup on the KES amount when you pay in foreign currency. Excise duty is then applied to that markup as a fee component.
Where a reversal is approved, Safaricom may refund the M‑Pesa fee, but FX markup on GlobalPay transactions is typically not refunded. Always confirm the final amounts on your M‑Pesa statement.