M-Pesa Charges 2025
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New M-Pesa Charges Calculator 2025

M-Pesa has changed the way we handle money in Kenya. If you use M-Pesa daily, knowing Transaction charges for 2025 is very important. The charges that you incur depend on the amount of the transaction and the transaction type, i.e., sending or withdrawing money, or using Lipa na Mpesa.

Here at Joweni, we have done the work for you. Now we present you with the M-Pesa Transaction Charges Calculator for 2025. Our Calculator is designed to help you stay informed about the latest Safaricom M-Pesa fees. With this tool, you can easily calculate current Mpesa charges for sending money to registered and unregistered users, agent withdrawals, ATM withdrawals, and Business Till transactions.

How to Use This Calculator: Select whether you want to calculate for 'M-Pesa (Personal Charges)' or 'Business Till' using the tabs above. Enter the transaction amount in the provided field. For personal calculations, you can also choose a specific 'Calculation Mode' like 'Fee Inclusive' (to ensure the recipient gets the exact amount you enter) or 'Reverse Withdrawal' (to find out how much to initiate to get a specific amount in hand after charges). Click 'Calculate', and the detailed 2025 charges, limits, and smart insights will be displayed. Explore other sections like 'Full Tariffs' for a complete Mpesa charges chart and 'FAQ' for answers to common questions about Mpesa withdrawal charges and sending money fees.

M-Pesa Calculators 2025

M-Pesa Charges Calculator

Quick Select:

2025 Charges

Enter an amount to see charges.

Transaction Limits

  • Maximum Account Balance is Kshs. 500,000
  • Maximum daily transaction value is Kshs. 500,000
  • Maximum amount per transaction is Kshs. 250,000
  • You cannot withdraw less than KShs. 50 at an M-PESA agent outlet.
  • To initiate M-PESA Self Reversal, send the transaction confirmation to 456.

Smart Insights

Cost Comparison Graph

Fee Distribution

M-Pesa Business Till Charges Calculator

Business Till Charges/Commissions

Enter amount and select type.

What You Need to Know About Business Till Paybill Charges

When your Business Till is used to pay a Paybill number, the transaction charges can vary. This is because different Paybill accounts (like KPLC, water companies, schools, etc.) have different agreements with Safaricom on how charges are applied. Here's a breakdown:

1. Mgao Tariff (Shared Cost): In this model, the cost of the transaction is typically shared between the customer (your till) and the organization receiving the payment. Your till will incur a portion of the fee. This is a common setup.

2. Business Tariff (Paybill Org. Pays All): Here, the organization receiving the payment has opted for a tariff where they absorb all transaction costs. This means your Business Till would likely incur no charge for making the payment.

3. Customer Tariff (Your Till Pays All): In this scenario, the customer (your till, in this case) bears the full transaction cost. This might result in higher charges for your till compared to the Mgao tariff.

4. Unknown/Standard (Estimate): If the specific tariff of the Paybill is not known or doesn't fit neatly into the above, a standard charge might apply, which could be similar to Mgao or another default rate.

Our calculator attempts to provide estimates based on these common models. Always confirm the exact charge with the Paybill recipient or Safaricom if the cost is critical.

Smart Insights (Business)

Calculate to see business insights.

Transaction Cost/Commission

Cost vs Amount

Pochi La Biashara Charges

Pochi La Biashara is ideal for small and micro-business owners like food vendors, kiosk owners, and boda boda operators.

  • Customers paying into your Pochi wallet are not charged any transaction fees.
  • Funds are kept separate from your personal M-Pesa account.
  • Withdrawal (transfer to your personal M-Pesa) charges apply as calculated.

Pochi Transaction Charges

Enter an amount to see Pochi charges.

M-Pesa Yearly Comparison Charts

M-Pesa Sending Charges

KES 5,000 = KES 57

Updated just now

Detailed Yearly Comparison

Select a transaction type and an amount to see a detailed cost breakdown over the years.

Comparison results will appear here.

Full M-Pesa Tariffs 2025

These are charges that a customer incurs depending on the amount of transaction and the transaction type i.e. sending or withdrawing.

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Blog & Resources

M-Pesa History In Kenya, Features & All It offers

M-Pesa was launched in 2007 through a partnership between Vodafone and Safaricom in Kenya, but over the years the service has rapidly expanded to cover most African nations including Tanzania, DRC, Ghana, Egypt, Mozambique, and many others.

M-Pesa's origins, however, can be traced back to a mid-2000s DFID grant aimed at enabling microfinance loan repayments via mobile—led by Vodafone and Safaricom in rural Kenya. During initial pilots starting in October 2005, about eight agents served 500 users, marking the earliest tests of airtime conversion to cash. By March 2007, the fully launched service registered over 20,000 users in just one month—substantially ahead of expectations.

As of 2025, according to a report by Safaricom, Kenya has a vast network of over 300,000 agents nationwide with an active customer base of 34 million subscribers by January 1st, 2025. M-Pesa alone contributes to 59 percent of Kenya's GDP through roughly 20 billion transactions per year.

Key Features Offered By M-Pesa

For many, when the name M-Pesa is mentioned, a scenario that one would probably associate with the tool is the ability to send money to family and friends and even withdraw cash from various agent outlets. That's right, but M-Pesa has evolved since its early days from offering these basic services to incorporating quite a number of features, which are as follows:

Core Wallet Transactions
  • P2P transfers: These facilitate the ability to carry out real-time exchanges between users—including sending and receiving money domestically and internationally. This process can be done via the M-Pesa app or the STK platform on smartphones, or even using the M-Pesa USSD code *334#.
  • Cash in/out: This service allows anyone to convert either cash to M-Pesa e-money and vice versa, enabled through a network of over 300,000 agents and ATMs located at various locations in the country. While doing so, one must be aware of the various transaction charges charged by M-Pesa. Use our calculators above to get help.
  • Merchant payments (Lipa na M‑Pesa): This includes other services offered by M-Pesa such as PayBill, till numbers, and QR code scanning that you can use to pay for goods and services in various online and physical businesses registered with M-Pesa.
Financial Services
  • Savings & investments: Under this segment, M-Pesa provides quite a number of products like loan products such as M-Shwari and KCB-M-Pesa that help you access various loans. Additionally, it also offers savings products such as M‑Shwari and Ziidi, which allow flexible and lockable savings directly within the app, often linked to money market funds.
  • Credit & overdraft: M-Pesa also offers products such as Fuliza that provides instant, short-term credit to cover insufficient balances. You can opt in to Fuliza by dialing *334# and selecting Fuliza M-PESA to opt in.
Digital Services
  • APIs: For business individuals and developers, M-Pesa allows you to safely test and launch M-PESA services on 3rd party platforms. You can register on the platform https://business.m-pesa.com/ to learn more.
  • In-app advertising: M-Pesa also brings you a suite of solutions which allow you to grow your business by advertising through their apps so that you can boost your business engagement and reach online.
  • Mini apps: On the M-Pesa app, you can create your own 3rd party apps that can directly run on the M-Pesa App.

How To Register on M-Pesa

To use any services offered by M-Pesa, it is a complete requirement for you to be registered with the service. In Kenya, when you buy a new Safaricom line either through various Safaricom shops countrywide, you will be given an option to also open a new account for your M-Pesa directly linked to your Safaricom line. A mandatory requirement to know is that you should be above the age of 18 years and you must have a valid National Identity Card. If you are below the age of 18 years, you can also register for M-Pesa Go, a program designed for young adults under supervision of their respective guardians. Check here to learn more about M-Pesa Go: https://www.safaricom.co.ke/main-mpesa/m-pesa-services/m-pesa-go

During the registration process, you will be required to set a 4-digit number as your M-Pesa PIN that you will be using to complete all M-Pesa transactions. Once your account is active, you can be able to access the M-Pesa services that we have discussed above.

You can access M-Pesa through the Android Play Store, Apple App Store, or dial *334# on your phone to get started.

M-PESA International Money Transfer Guide 2025

From its early days to the present, M-Pesa has definitely been a significant game-changer in the world of finance, both in Kenya and globally. Today in Kenya, M-Pesa is not just a name, but it is a powerhouse powering over 30 million users in Kenya alone and over 60 million users globally. M-Pesa provides quite a number of features, including the ability to send and receive money across more than 170 countries globally.

M-Pesa is powered by Safaricom and Vodafone. It leverages an extensive network of international partners such as Western Union, MoneyGram, WorldRemit, TerraPay, Alipay, and PayPal, offering a seamless cross-border money transfer experience via *840# USSD or the M-Pesa App.

If you are wondering whether it is possible to send money from your M-Pesa wallet internationally, yes it is possible, and it's facilitated by the M-Pesa Global service. Here is how you can use the M-Pesa platform to send and receive money globally.

What is M‑PESA Global and why use it?

M‑PESA Global is Safaricom's mobile-based international money transfer service, an evolution of the domestic M‑PESA platform that allows registered customers in Kenya to send money abroad to mobile wallets, banks, or Western Union pickup points in around 190–200 countries. It builds on M‑PESA's core strength of mobile-first convenience and deep agent network while leveraging global remittance partners like Western Union, MoneyGram, WorldRemit, TerraPay, PayPal, Alipay, and more.

How do I activate M‑PESA Global?

If you need to use M-Pesa GlobalPay or the M-Pesa Visa card for international transfers, in addition to just having an active M-Pesa account, you also need to be registered for the service. This is a process which you can personally do yourself using the methods below:

Method 1: Using M-Pesa USSD
  • Dial *840# on your Safaricom line
  • Accept the terms and conditions when prompted
  • Select the "Activate" or "Opt‑in" option for M‑PESA Global
  • Follow the on-screen prompts to verify your details
  • You'll receive an SMS confirmation once activation is successful
Method 2: Using the M-Pesa mobile app
  • Open the MySafaricom App and go to the M‑PESA Global (or Grow → GlobalPay) section
  • Tap "Activate", accept terms, and enter your M‑PESA PIN
  • Choose your virtual card design (color/image) if applicable
  • You will immediately receive your GlobalPay Visa details—card number, expiry date, and CVV—via SMS

If you are looking for an assisted approach, you can also walk into Safaricom shop outlets all over the country to get assisted. However, when using this process, you may be required to produce your active Safaricom SIM, a registered M‑PESA account, and national ID verification.

How to send money internationally using M‑PESA?

Sending money abroad with M‑PESA Global is quick, seamless, and accessible via USSD or the Safaricom/MySafaricom App. Here's a detailed walkthrough:

USSD Method
  • Dial *840# (You can also use *334#)
  • Opt‑in by accepting the terms and conditions
  • Choose Send Money Abroad
  • Follow prompts to select the destination country and recipient type (mobile wallet or bank account)
  • Enter the recipient's phone number or bank details, then specify the amount in KES
  • Input your M‑PESA PIN to confirm
  • You'll receive SMS notifications confirming initiation and completion of the transaction
App Method
  • Open the Safaricom or MySafaricom App
  • Navigate to M‑PESA, then select M‑PESA Global
  • Accept terms to opt‑in
  • Tap Send, choose country and recipient type
  • Fill in recipient's details and amount (KES)
  • Confirm with your PIN or biometric authentication
  • Notifications are sent via in‑app alerts and SMS

International Transfer Fees

Just like using M-Pesa for everyday transactions like sending money or withdrawing KSh attracts transaction fees, using M-Pesa GlobalPay either for international payments or paying for goods and services using the card, there are some fees involved.

While using the service, the fee is based on a 3.5% foreign exchange markup over the mid-market rate. This is disclosed upfront along with the exchange rate in-app or via USSD. The normal transaction fees for sending money to other users or agents aren't charged here.

In addition the M-Pesa Global pay applies various transaction limits which you must be aware of and are as follows:

  • Single transaction limit: KSh 70,000
  • Daily limit: KES 150,000 (standard); up to KES 300,000 via Western Union
  • Monthly limit: KES 500,000
  • Maximum card balance: KSh 500,000

If you are looking for an M-Pesa Global Pay chart table below is how much you can be charged for different amounts for a single transaction:

Amount Range (KSh) Tariff (KSh)
101 - 5,000 100
5,001 - 15,000 250
15,001 - 35,000 350
35,001 - 70,000 500

Shareable Infographics

To Help you understand the Various M-Pesa Charges, Feel free to download and share these infographics on social media or your website (with attribution to Joweni.com).

M-Pesa Charges 2025 Infographic

Frequently Asked Questions

The M-Pesa charges for 2025 reflect updates due to the Finance Act and Safaricom's tariff reviews. Our calculator provides the latest 2025 tariffs for sending money, withdrawals at agents and ATMs, and business till transactions. For example, sending KSh 1-100 to registered M-Pesa users is free. Use the Joweni calculator for specific amounts and to see the full Mpesa charges chart.

M-Pesa withdrawal charges vary by the amount. For 2025, withdrawing KSh 50-100 costs KSh 11 from an agent. Withdrawing KSh 501-1000 costs KSh 29. ATM withdrawal charges also apply. Our Mpesa withdrawal charges chart in the 'Full Tariffs' section and the calculator provide precise fees.

For 2025, sending money to registered M-Pesa users for amounts KSh 1-100 is free. For KSh 101-500, the charge is KSh 7. For KSh 501-1000, it's KSh 13. Sending to unregistered users or other mobile money networks may have different charges. Use the Joweni Mpesa calculator for exact sending money charges.

Joweni's M-Pesa calculator allows you to find charges for specific transaction amounts instantly. For a complete Mpesa charges chart, including withdrawal charges, please see our 'Full Tariffs' section. This table is updated for 2025 and can be exported as a CSV, serving as an alternative to a static Mpesa charges PDF.

Yes, Safaricom periodically reviews and updates M-Pesa charges. The "New Mpesa charges" for 2025 are reflected in our calculator and tariff tables, considering factors like the Finance Act. Joweni aims to provide the most current Mpesa charges.

M-Pesa withdrawal fees can be adjusted during Safaricom's tariff reviews. The 2025 charges represent the latest fee structure. For example, withdrawing KSh 50-100 is KSh 11. To see if this is an increase or decrease from previous rates, you'd compare with historical data. Our calculator always shows the current 2025 rates.

M-Pesa agents earn commissions from Safaricom for transactions they facilitate. This is part of Safaricom's operational costs and agent remuneration model. Customers pay the standard M-Pesa transaction charges; the agent's commission is not an additional fee on top of this for the customer.

You can typically get a 3-month, 6-month, or 12-month M-Pesa statement for free via the M-Pesa App or by dialing *334#. For statements covering longer periods or printed statements requested from a Safaricom shop, there might be a charge. It's best to confirm with Safaricom for specific costs for extensive or physical statements.

As of the latest 2025 M-Pesa limits, the maximum amount an M-Pesa account can hold is KSh 500,000. The maximum daily transaction value is KSh 500,000, and the maximum per single transaction is KSh 250,000.

*334# is the USSD code for the primary M-Pesa menu on the Safaricom network. It allows users to access a wide range of M-Pesa services, including sending money, withdrawing cash, paying bills (Lipa na M-Pesa), checking balances, managing their M-Pesa account, and accessing mini-statements, among other functions.

Currently, Safaricom does not offer an official, direct, and free method to convert Safaricom airtime to M-Pesa cash. While some third-party services exist that facilitate airtime to M-Pesa conversion, they typically charge a fee or commission for the service. Always exercise caution and verify the legitimacy of such services.

No, Okoa Jahazi airtime, which is a credit facility provided by Safaricom, cannot be directly converted to M-Pesa cash. Okoa Jahazi is intended for making calls, sending SMS, or purchasing data bundles when you have insufficient regular airtime.

Converting airtime directly to M-Pesa cash through official Safaricom channels is not a standard service. Some third-party platforms offer airtime-to-cash services, but they usually charge a substantial percentage as commission and are not officially endorsed by Safaricom. It's important to use such services with caution due to potential fees and security risks.

You can purchase Safaricom airtime without using M-Pesa through various methods:

  • Using banking apps or internet banking platforms that offer airtime top-up services.
  • Buying physical airtime scratch cards from vendors and loading them using the USSD code.
  • Some ATMs also offer airtime purchase options.
  • Through other mobile money platforms if you have an account with them.

To obtain an M-Pesa statement covering an extended period like 5 years, you will likely need to contact Safaricom Customer Care directly (e.g., by calling 100 or 200) or visit a Safaricom Retail Shop. While the M-Pesa app and *334# menu offer statements for up to 12 months, longer historical data typically requires manual processing by Safaricom and may involve a fee.

M-Pesa Ratiba is a feature that allows M-Pesa users to schedule recurring payments or money transfers. This is useful for automating regular transactions like sending monthly allowances, paying subscriptions, or settling bills on specific dates without manual intervention each time.

Once M-Pesa transaction confirmation messages are deleted from your phone's SMS inbox, they are generally not retrievable directly through your device. For an official record of your transactions, you should request an M-Pesa statement via the M-Pesa app, *334#, or by contacting Safaricom customer care for historical data. Safaricom doesn't typically resend individual deleted SMS notifications.

To speak with a Safaricom customer care representative, dial 100 if you are a PrePay customer or 200 if you are a PostPay customer. Listen carefully to the interactive voice response (IVR) menu and select the options that lead to speaking with an agent, often related to 'queries,' 'help,' or 'speak to a customer service representative.' Be patient, as there might be a queue.

The monthly earnings of M-Pesa agents vary significantly based on several factors, including their location (high-traffic areas tend to have more transactions), the volume and value of transactions processed, the range of services they offer, and their operational efficiency. Agents earn a commission from Safaricom for each qualifying transaction. Therefore, there isn't a fixed monthly salary; income is directly tied to business activity.

Following the enactment into law of the Finance Act 2023, effective 29th July 2023, Safaricom reviewed M-PESA pricing to reflect the increase in Excise Duty rate on fees charged on mobile money transfer services from 12% to 15%. These adjustments formed the basis for subsequent tariff structures, including those for 2025.

The limit for transferring money to unregistered subscribers (currently KSh 70,000 per transaction) is due to Know Your Customer (KYC) and Anti-Money Laundering (AML) policies, often guided by regulations from the Central Bank of Kenya. These measures help ensure the security and integrity of mobile money services.

Yes, alongside tariff reviews, M-Pesa transaction limits have also been updated. For 2025, the maximum amount one can send in a day is KSh 500,000. You can send up to KSh 250,000 in one transaction, and hold up to KSh 500,000 in your M-PESA account.

You can send as little as KSh 1 to Safaricom customers registered on M-PESA, and this is often free for amounts up to KSh 100. You can also make payments via Lipa na M-Pesa (Buy Goods and Paybill) for amounts up to KSh 100 for free from your M-Pesa.

It is free to send any amount between KSh 1 to KSh 100 to a registered M-Pesa customer in 2025.

For 2025, it will cost KSh 13 to send between KSh 501 and KSh 1000 to a registered M-Pesa user.

It will cost you KSh 11 to withdraw between KSh 50 and KSh 100 from an M-Pesa agent in 2025.

The cost of withdrawing KSh 100 from an M-Pesa agent is KSh 11 (this applies for amounts between KSh 50 - KSh 100) in 2025.

Yes, you can withdraw M-Pesa funds from ATMs of participating banks. You can make multiple cash withdrawals, but the maximum amount per ATM transaction is typically KSh 40,000, up to your daily M-Pesa limit. ATM withdrawal charges apply and vary; for instance, withdrawing KSh 200-2,500 costs KSh 35. Use our calculator for specific ATM charges.

For official and complete details on M-Pesa tariffs, visit an M-Pesa agent outlet, check the Safaricom website at www.safaricom.co.ke or call M-PESA customer care by dialing 234 (for M-Pesa queries) or 100/200.

The M-Pesa prices reflecting Excise Duty changes generally took effect from 29th July 2023. The increased M-Pesa limits (e.g., KSh 500,000 account and daily limit) took effect from 21st September 2023. The Joweni calculator uses the latest available tariffs for 2025.

The Joweni calculator uses the publicly available M-Pesa tariffs for 2025 provided by Safaricom. We strive for utmost accuracy and update our data regularly. However, for critical transactions, it's always advisable to confirm with official Safaricom channels. Rates on Joweni were last verified on: .

When you select the 'Fee Inclusive (Recipient Gets)' mode and enter an amount, you are specifying the exact amount you want the recipient to receive in their M-Pesa account. The Joweni calculator will then compute the total amount you need to send, which includes the necessary M-Pesa transaction fee, ensuring the recipient gets the precise sum you intended.

Financial Wellness & Tools

Financial Wellness Tip

Always verify the recipient's details before completing an M-Pesa transaction.

Smart Utilities

Print or share a link to your most recent calculation.

Large Transfer Optimizer

Find the cheapest way to send large amounts over KES 250,000.

Get in Touch / Provide Feedback to Joweni

Safaricom Customer Care (Official)

For M-Pesa inquiries, complaints, feedback, or further support directly from Safaricom PLC: