Safaricom M-Pesa charges for 2025

M-PESA is Safaricom’s mobile money service that allows Kenyans to send money to each other, pay bills and transact online.

Safaricom M-PESA customers can send money, pay bills or access loans by using the Safaricom SIM toolkit manually or dialling the USSD code *334#, selecting the service they want and following the prompts. They can also access M-PESA through the M-Pesa App and the MySafaricom App on iOS and Android.

Safaricom M-PESA customers are also able to send money and pay bills to other mobile money platforms in Kenya i.e. Airtel Money and T-Kash by Telkom Kenya. They can also transact online and pay for services such as Netflix through Safaricom Global and top up or withdraw from their PayPal account.

The maximum amount per M-Pesa transaction is Ksh. 250,000, which is the same with withdrawals. The maximum balance one can hold in the account is Ksh. 500,000.

Safaricom M-PESA has harmonized the charges to sending money to other mobile money platforms. For instance, it costs Ksh. 23 to send Ksh. 1,500 to other Safaricom M-PESA customers and also to Airtel Money and T-Kash by Telkom Kenya. Withdrawal fees for the same amount are Ksh. 29 across the board.

Safaricom M-Pesa charges 2025

TRANSACTION RANGE (KSH.)		TRANSACTION TYPE AND CUSTOMER CHARGES (KSH.)
MIN	MAX	TRANSFER TO M-PESA USERS, POCHI LA BIASHARA AND BUSINESS TILL TO CUSTOMER	TRANSFER TO OTHER REGISTERED MOBILE MONEY USERS	WITHDRAWAL FROM 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