M-Pesa Charges 2025
15 Nov 2025 | 03:24 PM
Send Money: 1-100: Ksh 0 | 101-500: Ksh 7 | 501-1000: Ksh 13 | 1001-1500: Ksh 23 | 1501-2500: Ksh 33 | 2501-3500: Ksh 53 | 3501-5000: Ksh 57 | 5001-7500: Ksh 78 | 7501-10000: Ksh 90 | 10001-15000: Ksh 100 | 15001-20000: Ksh 105 | 20001-35000: Ksh 108 | 35001-50000: Ksh 108 | 50001-250000: Ksh 108Withdraw (Agent): 50-100: Ksh 11 | 101-500: Ksh 29 | 501-1000: Ksh 29 | 1001-1500: Ksh 29 | 1501-2500: Ksh 29 | 2501-3500: Ksh 52 | 3501-5000: Ksh 69 | 5001-7500: Ksh 87 | 7501-10000: Ksh 115 | 10001-15000: Ksh 167 | 15001-20000: Ksh 185 | 20001-35000: Ksh 197 | 35001-50000: Ksh 278 | 50001-250000: Ksh 309Withdraw (ATM): 200-2500: Ksh 35 | 2501-5000: Ksh 69 | 5001-10000: Ksh 115 | 10001-35000: Ksh 203

Terms of Service

These are the rules for using our website and calculator. By using our service, you agree to these terms. Please read them carefully.

Terms of Service

Last Updated: June 15, 2025

1. Acceptance of Terms

By using this website (joweni.com), you're agreeing to follow these rules. If you don't agree, you shouldn't use the site.

Welcome to Joweni M-Pesa Charges Calculator ("Joweni", "we", "us", "our"). By accessing or using our website and any of its tools or services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you may not access or use the Service.

2. Description of Service

We provide a free tool to estimate M-Pesa charges based on public information. This is for informational purposes only.

Joweni provides a free-to-use calculator designed to estimate M-Pesa transaction charges based on publicly available tariff information from Safaricom PLC. The Service also includes related informational content, guides, and other tools intended to help users understand mobile money fees in Kenya.

3. Disclaimer of Accuracy and Warranty

Our calculator is a guide, not a guarantee. M-Pesa rates can change, and we might not be instantly updated. For critical transactions, always double-check the fees with official Safaricom channels.

The Service is provided "as is" and "as available".

  1. We strive for accuracy, but we do not warrant or guarantee that the calculations or information provided by the Service will be correct, complete, or up-to-date at all times. Safaricom PLC may change its M-Pesa tariffs at any time, and there may be a delay before our Service reflects these changes.
  2. Joweni is an independent tool and is not affiliated with, endorsed by, or sponsored by Safaricom PLC or M-Pesa.
  3. You agree that your use of the Service is at your own risk. For any critical transaction, you must verify the charges with official Safaricom channels (e.g., the MySafaricom App, USSD menus, or customer care) before proceeding.

4. Limitation of Liability

If you suffer a loss because of incorrect information on our site, we are not legally responsible. The tool is for estimation only.

In no event shall Joweni, its owners, or affiliates be liable for any direct, indirect, incidental, special, or consequential damages (including, but not limited to, financial loss, loss of data, or business interruption) resulting from the use or inability to use the Service, or from reliance on any information provided by the Service, even if we have been advised of the possibility of such damages.

5. Intellectual Property

Our website's design, logo, and original content belong to us. You're welcome to use the calculator, but please don't copy or misuse our site's creative elements without permission.

All content included on the Service, such as text, graphics, logos, button icons, images, and the software used, is the property of Joweni or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, or create derivative works from any part of the Service without our express written permission.

6. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users by updating the "Last Updated" date at the top of this page. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.