M-Pesa charges continue to shape how Kenyans move money, pay bills, and access financial services every day. As we move through 2025, Safaricom has maintained its goal of making M-Pesa affordable, fast, and reliable while ensuring compliance with new regulatory guidelines and mobile money harmonization policies.
Whether you’re sending money to family, withdrawing cash at an agent, or paying for goods and services, understanding the Safaricom M-Pesa rates changes 2025 is key to avoiding unnecessary costs and making informed financial decisions.
Since its launch in 2007, M-Pesa has become Kenya’s most widely used mobile money platform, with over 34 million active users and billions of shillings moving across its network every day.
M-PESA customers can send money, pay bills, or access loans by using the Safaricom SIM toolkit manually or by dialing the USSD code *334#, selecting the desired service, and following the prompts. They can also access M-PESA through the M-Pesa App and the MySafaricom App on iOS and Android.
Key Takeaways
- No new Safaricom M-Pesa rate changes in 2025.
- Cross-network transfers (Airtel Money, T-Kash) now cost the same as Safaricom-to-Safaricom.
- Maximum transaction limit: KSh 250,000; maximum account balance: KSh 500,000.
- Withdrawal fees remain higher due to agent commissions.
1) Transfers Made Using Registered Mobile Money Users (M-Pesa, Airtel Money, and T-Kash) – rates
The rates in the table below apply to anyone when sending money from M-Pesa to registered . This is not limited to registered Mpesa users and to other networks.
Users can send money and pay bills to other mobile money platforms in Kenya, such as Airtel Money and T-Kash by Telkom Kenya.
Transaction Range (Kshs) | Mpesa charges |
1-49 | FREE |
50-100 | FREE |
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 |
2) Withdrawal Rates from Registered M-PESA agents in Kenya
If planning to withdraw money from M-Pesa, the table below can offer the rates charged.
It defines withdrawal charges from Mpesa agents for amounts ranging between 50 and 150,000.
Transaction Range (Kshs) | Withdrawal Charges |
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 |
3) M-Pesa ATM Withdrawal Rates
The illustration below provides an overview of the fees related to making withdrawals from an ATM using your M-PESA account.
Just like other transaction types, it’s essential to be informed about the costs to manage your finances effectively.
Range (Ksh.) | ATM Withdrawal Fees (Ksh.) |
200-2,500 | 35 |
2,501-5,000 | 69 |
5,001-10,000 | 115 |
10,001-35,000 | 203 |
4) Business Till – Customer and Pochi la Biashara rates
The M-Pesa Charges rates apply to you when:
- Transacting from M-Pesa to Pochi la Biashara.
- Sending money from the M-Pesa Business Till to a customer’s phone number
Transaction Range (Kshs) | Mpesa charges |
1-49 | FREE |
50-100 | FREE |
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 |
5) Free M-Pesa transactions
Despite Mpesa increasing its rates to address tax obligations, some transactions continue to remain free to users.
6) M-Pesa Transfer Charges for Unregistered users.
Note that Safaricom discontinued the ability to transact from M-Pesa to unregistered users. This was taken into effect through a public notice that was released on 5th February, 2024.
You only receive money via M-Pesa if all users adhere to the public notice guidelines.
An unregistered user refers to a phone number that is not fully registered for mobile money services, such as with Mpesa, Airtel Money, or T-Kash.
Transaction Range (Kshs) | Transfer to unregistered users to all networks(Kshs) |
1-49 | N/A |
50-100 | N/A |
101-500 | 47 |
501-1,000 | 51 |
1,001-1,500 | 61 |
1,501-2,500 | 76 |
2,501-3,500 | 115 |
3,501-5,000 | 139 |
5,001-7,500 | 171 |
7,501-10,000 | 211 |
10,001-15,000 | 273 |
15,001-20,000 | 296 |
20,001-35,000 | 318 |
35,001-50,000 | 318 |
50,001-250,000 | 318 |
The user will not be able to transact from Mpesa to customers from other networks who have not complied.
Previously, one could transact via Mpesa to unregistered end users. They would receive a voucher notification to use for claiming cash at any M-Pesa registered agents nationwide.
Here are the rates that were previously applied for sending money to unregistered users.
Bonus Tips
- Maximum Mpesa account balance: Kshs. 500,000
- Maximum daily transaction: Kshs. 500,000
- Maximum amount per transaction: Kshs. 250,000
- The minimum amount for withdrawal at M-PESA agent is Kshs 50
Bottom Line
M-Pesa has played a central role in Kenya’s digital finance revolution. The M-Pesa charges 2025 remain largely unchanged, keeping the service competitive and accessible to millions.
While withdrawal fees are still higher than sending money costs, M-Pesa’s convenience, security, and reach justify its small fees. As Safaricom continues to innovate from M-Pesa Business Super App to M-Pesa Global transfers users can expect more transparency and efficiency, making M-Pesa not just a transfer tool but a complete digital financial ecosystem.
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