Since its launch in 2007, M-Pesa has revolutionized Kenya’s financial sector, offering fast, secure, and accessible money transfer services to millions. Operated by Safaricom, M-Pesa remains the most widely used mobile money platform in the country, supporting over 34 million active users.
Every year, M-Pesa charges 2026 become a key focus for customers who rely on the service daily. Understanding the fees for sending and withdrawing money is essential, as charges vary depending on transaction type and amount. Below is the updated breakdown of M-Pesa charges for 2026.
M-Pesa Send Money Charges 2026
Sending money via M-Pesa in 2026 costs differently depending on the amount. Transactions under Ksh100 remain free, while higher amounts attract tiered charges. Safaricom recently harmonized transfer rates across networks, meaning sending to Airtel Money and T-Kash now costs the same as sending to another Safaricom line.
| Amount to Send | To Safaricom Fees | To Airtel/Telkom Fees |
|---|---|---|
| Ksh1 – Ksh49 | Free | Free |
| Ksh50 – Ksh100 | Free | Free |
| Ksh101 – Ksh500 | Ksh7 | Ksh7 |
| Ksh501 – Ksh1,000 | Ksh13 | Ksh13 |
| Ksh1,001 – Ksh1,500 | Ksh23 | Ksh23 |
| Ksh1,501 – Ksh2,500 | Ksh33 | Ksh33 |
| Ksh2,501 – Ksh3,500 | Ksh53 | Ksh53 |
| Ksh3,501 – Ksh5,000 | Ksh57 | Ksh57 |
| Ksh5,001 – Ksh7,500 | Ksh78 | Ksh78 |
| Ksh7,501 – Ksh10,000 | Ksh90 | Ksh90 |
| Ksh10,001 – Ksh15,000 | Ksh100 | Ksh100 |
| Ksh15,001 – Ksh20,000 | Ksh105 | Ksh105 |
| Ksh20,001 – Ksh35,000 | Ksh108 | Ksh108 |
| Ksh35,001 – Ksh50,000 | Ksh108 | Ksh108 |
| Ksh50,001 – Ksh250,000 | Ksh108 | Ksh108 |
🔹 The maximum per send transaction is Ksh250,000.
🔹 The daily transaction limit is Ksh500,000.
M-Pesa Withdrawal Charges 2026
Withdrawing money from an M-Pesa agent is generally more expensive than sending. For example, withdrawing Ksh1,000 costs Ksh29 compared to Ksh13 for sending the same amount. Below is the updated withdrawal fee chart for 2026:
| Withdrawal Amount | M-Pesa Charges 2026 |
|---|---|
| Ksh1 – Ksh49 | N/A |
| Ksh50 – Ksh100 | Ksh11 |
| Ksh101 – Ksh500 | Ksh29 |
| Ksh501 – Ksh1,000 | Ksh29 |
| Ksh1,001 – Ksh1,500 | Ksh29 |
| Ksh1,501 – Ksh2,500 | Ksh29 |
| Ksh2,501 – Ksh3,500 | Ksh52 |
| Ksh3,501 – Ksh5,000 | Ksh69 |
| Ksh5,001 – Ksh7,500 | Ksh87 |
| Ksh7,501 – Ksh10,000 | Ksh115 |
| Ksh10,001 – Ksh15,000 | Ksh167 |
| Ksh15,001 – Ksh20,000 | Ksh185 |
| Ksh20,001 – Ksh35,000 | Ksh197 |
| Ksh35,001 – Ksh50,000 | Ksh278 |
| Ksh50,001 – Ksh250,000 | Ksh309 |
🔹 The maximum withdrawal per transaction is Ksh250,000, costing Ksh309.
🔹 You cannot withdraw less than Ksh50 at an M-Pesa agent outlet.
Key Takeaways on M-Pesa Charges 2026
- Sending money is cheaper than withdrawing, except for the Ksh2,501–Ksh3,500 range.
- Transfers below Ksh100 remain free across all networks.
- Safaricom has over 300,000 M-Pesa agents nationwide offering deposits, withdrawals, and registrations.
- Daily account balance and transaction limits remain capped at Ksh500,000.
M-Pesa continues to lead as Kenya’s top mobile money platform. By understanding the M-Pesa charges 2026, customers can plan transactions better, minimize costs, and enjoy convenient financial services on the go.
