🇰🇪 M-Pesa Charges Calculator 2026
Calculate exact Safaricom M-Pesa fees for transfers, withdrawals & payments
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📱 M-Pesa Fee Calculator
Know exactly what Safaricom charges before you transact📊 Transaction Breakdown
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Understanding M-Pesa Charges in 2026
M-Pesa is Kenya's dominant mobile money platform with over 30 million users. Safaricom updated their tariffs in 2026, and fees vary based on transaction type, amount, and whether the recipient is registered or not.
2026 M-Pesa Send Money Charges (Registered Users)
| Min (KES) | Max (KES) | Fee (KES) |
|---|---|---|
| 1 | 49 | FREE |
| 50 | 100 | FREE |
| 101 | 500 | 7 |
| 501 | 1,000 | 13 |
| 1,001 | 1,500 | 20 |
| 1,501 | 2,500 | 25 |
| 2,501 | 3,500 | 30 |
| 3,501 | 5,000 | 35 |
| 5,001 | 7,500 | 50 |
| 7,501 | 10,000 | 75 |
| 10,001 | 15,000 | 85 |
| 15,001 | 20,000 | 95 |
| 20,001 | 35,000 | 105 |
| 35,001 | 50,000 | 115 |
| 50,001 | 150,000 | 125 |
2026 M-Pesa Withdrawal Charges (Agent)
| Min (KES) | Max (KES) | Fee (KES) |
|---|---|---|
| 1 | 49 | N/A |
| 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 | 220 |
| 50,001 | 150,000 | 237 |
💡 Pro Tip: Minimize Your Fees
Sending to registered M-Pesa users is significantly cheaper than sending to unregistered users. Always confirm the recipient is registered before sending large amounts. For withdrawals, using an agent is cheaper than ATM withdrawal for amounts under KES 20,000.
Key M-Pesa Limits (2026)
- Maximum Account Balance: KES 300,000
- Maximum Single Transaction: KES 150,000
- Maximum Daily Transaction Value: KES 300,000
- Minimum Transaction: KES 1
- Free Transactions: Sending KES 100 or less to registered users
Note: These tariffs are based on Safaricom's published 2026 rates. Always check the official Safaricom website for the most current fees, as tariffs may change with regulatory updates.
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