Mpesa Rates – Safaricom mpesa transaction charges and tariffs

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Mpesa rates charges and tariffs

Mpesa rates charges and tariffs

Safaricom mpesa rates, fees, charges and tariffs for withdrawal and transfer will depend on the amount you are sending or withdrawing.

You can use your M-PESA menu to buy airtime for your phone, or for someone else. This service is free and you will only pay for the airtime purchased. Here are the safaricom mpesa rates …


MPesa Rates – Safaricom mpesa  charges and tariffs

Min Max Transfer to other
M-PESA Users

Transfer to


10 49 3 N/A N/A
50 100 5 N/A 10
101 500 27 66 27
501 1,000 33 66 27
1,001 1,500 33 66 27
1,501 2,500 33 66 27
2,501 3,500 33 88 49
3,501 5,000 33 105 66
5,001 7,500 55 143 82
7,501 10,000 55 171 110
10,001 15,000 55 220 159
15,001 20,000 55 237 176
20,001 25,000 82 275 187
25,001 30,000 82 275 187
30,001 35,000 82 275 187
35,001 40,000 82 N/A 275
40,001 45,000 82 N/A 275
45,001 50,000 110 N/A 275
50,001 70,000 110 N/A 330
ATM Withdrawal
Transaction Range (Ksh)
Min Max Customer Charge
200 2,500 33
2,501 5,000 66
5001 10,000 110
10,001 20,000 193
Other Transactions Ksh
All Deposits FREE
M-PESA Registration FREE
Buying Airtime through M-PESA FREE
M-PESA Balance Enquiry 1
Change M-PESA PIN 22


  • Maximum Account Balance is Ksh100,000
  • Maximum Daily Transaction Value is Ksh140,000.Maximum per transaction is Ksh70,000
  • You cannot withdraw less than Ksh50 at an M-PESA agent outlet
  • To transact, your Safaricom line and M-PESA account must be active
  • At an agent outlet, you cannot deposit money directly into another M-PESA customer’s account
  • You earn Bonga points when you transact on M-PESA.
  • To register or transact at any M-PESA Agent outlet, you will be required to produce your original identification document, i.e., National ID, Passport, Military ID, Diplomatic ID or

Mpesa Rates, Charges and Tariff

What are the new tariffs about?

With the new tariffs, you now have the choice to select from more bands when you want to send money via M-PESA.

Why have you reviewed the old tariffs?

The new tariffs come into effect following the amendments contained in the Finance Act of 2012 which introduces a 10% excise duty tax on transaction fees for all money transfer services provided by cellular phone providers, banks, money transfer agencies and other financial service providers. Tariffs for transactions worth more than Kshs 101 will go up by 10% with charges for transactions under Kshs.100 remaining unchanged.

Why can’t I transfer over Ksh35,000 to unregistered subscribers?

Due to Know Your Customer (KYC)/Anti Money Laundering (AML) policy set by the Central Bank of Kenya, we do not have the mandate to allow transfers of amounts over Ksh35,000.

With the changes in tariffs, have you increased the amounts one can send?

No, the maximum amount one can send remains the same. You can send up to Ksh70,000 in one transaction. The maximum you can send in a day is Ksh140,000. You can only hold up to Ksh100,000 in your M-PESA account.

What is the lowest amount of money I can send on M-PESA?

You can now send as little as Ksh10 on M-PESA. You can also make both payments at kiosks and micro-payments within the lower bands

How much will it cost me to send Ksh10?

It will cost you Ksh3 to send any amount between Ksh10 and Ksh50.

How much will I be charged to send 1000 shillings?

The cost of sending between Ksh 501 to Ksh 5,000 is Ksh 33.

How much does it cost to withdraw Ksh50?

It will now cost you Ksh10 to withdraw between Ksh50 and Ksh100.

How much will it cost me to withdraw Ksh100?

The cost of withdrawing is Ksh 10 for registered M-PESA customers.

Can I still withdraw at an ATM?

Yes you can. You are allowed to make multiple cash withdrawals from the ATM. However the maximum withdrawal amount is limited to Ksh70,000 per day. Withdrawals vary from Ksh20,000-Ksh30,000 depending on the ATM.

How do I know what else has changed with the tariffs?

Visit your agent outlet for more details on the tariffs. You can also visit our website or call M-PESA customer care on 234.

When will the new tariffs take effect?

The new tariffs take effect on 8th February 2013.

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