Kenya · Safaricom M-PESA · KSh
M-PESA charges calculator
Enter an amount to see what Safaricom charges to send it, pay it to a business, withdraw it or borrow it on Fuliza, and which tariff band it falls in.
Dated edition: Safaricom’s M-PESA Charges page, last updated 4 August 2026, and its Fuliza page, last updated 23 June 2025, both checked on 26 October 2026. Safaricom prints no effective date for the main table. Tariffs change; check Safaricom before you send. Open Safaricom’s charges page.
Safaricom’s full M-PESA tariff
All charges in Kenyan shillings, as printed by Safaricom. Bands include both ends.
Send money and withdraw at an agent
| Amount, KSh | Transfer to M-PESA users | Transfer to other networks’ registered mobile-money users | Withdrawal at an M-PESA agent |
|---|---|---|---|
| 1–49 | Free | Free | N/A |
| 50–100 | Free | Free | 11 |
| 101–500 | 7 | 7 | 29 |
| 501–1,000 | 13 | 13 | 29 |
| 1,001–1,500 | 23 | 23 | 29 |
| 1,501–2,500 | 33 | 33 | 29 |
| 2,501–3,500 | 53 | 53 | 52 |
| 3,501–5,000 | 57 | 57 | 69 |
| 5,001–7,500 | 78 | 78 | 87 |
| 7,501–10,000 | 90 | 90 | 115 |
| 10,001–15,000 | 100 | 100 | 167 |
| 15,001–20,000 | 105 | 105 | 185 |
| 20,001–35,000 | 108 | 108 | 197 |
| 35,001–50,000 | 108 | 108 | 278 |
| 50,001–250,000 | 108 | 108 | 309 |
Pay to Pochi la Biashara
A promotional table: Safaricom prints it “for 3 months from 1st August 2026”, which is through 31 October 2026. KSh 1,500 and KSh 2,500 each appear in two printed bands; the calculator uses the lower one.
| Amount, KSh | Charge, KSh |
|---|---|
| 0–50 | 0 |
| 50–100 | 0 |
| 101–200 | 0 |
| 201–500 | 7 |
| 501–1,000 | 13 |
| 1,001–1,500 | 23 |
| 1,500–2,500 | 33 |
| 2,500–250,000 | 50 |
Withdraw at an ATM
| Amount, KSh | Charge, KSh |
|---|---|
| 200–2,500 | 35 |
| 2,501–5,000 | 69 |
| 5,001–10,000 | 115 |
| 10,001–35,000 | 203 |
Lipa na M-PESA Buy Goods
| Band, KSh | Customer charge, KSh |
|---|---|
| 0–200 | 0 |
| 201–500 | 0 |
| 501–36,363 | 0 |
| Above 36,363 | 0 |
Merchants are charged for receiving payments into their till. For payments at authorised fuel stations, Safaricom says the charge is borne by the paying customer, but the page does not print that charge. Charges for businesses paying out of a till are not covered here.
Fuliza overdraft
A one-off access fee of 1% when you use Fuliza, then a daily maintenance fee, applied at midnight (00:00) from the next day, on the amount outstanding. Safaricom adds 20% excise duty to the daily fee.
| Outstanding, KSh | Daily tariff, KSh | 20% excise duty, KSh | Total a day, KSh |
|---|---|---|---|
| 0–100 | 0 | 0 | 0 |
| 101–500 | 2.50 | 0.50 | 3 |
| 501–1,000 | 5 | 1 | 6 |
| 1,001–1,500 | 18 | 3.60 | 21.60 |
| 1,501–2,500 | 20 | 4 | 24 |
| 2,501–70,000 | 25 | 5 | 30 |
Free transactions and limits
- All deposits: free
- M-PESA registration: free
- Buying airtime through M-PESA: free
- M-PESA balance enquiry: free
- Changing your M-PESA PIN: free
- Maximum M-PESA balance: KSh 500,000
- Maximum a day: KSh 500,000
- Maximum per transaction: KSh 250,000
- Minimum cash withdrawal at an agent: KSh 50
Source and limits
Source: Safaricom PLC, M-PESA Charges (last updated 4 August 2026) and Fuliza (last updated 23 June 2025), checked on 26 October 2026. The numbers are copied as printed; Contifield adds the band lookup and the totals. Nothing is fetched live, and Contifield rechecks this edition by 31 January 2027.
Sending to someone who is not registered for mobile money, and paying a Paybill, have no customer charge on Safaricom’s current charges page, so neither is calculated. Business charges (merchant fees and payments out of a till) and M-PESA Global transfers are not covered.
The amount you enter stays in the page address so the result can be reloaded or shared; it is not stored. Contifield is independent and is not affiliated with Safaricom.
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