M-PESA Cost Calculator

How Much Does It Cost To Send & Withdraw Cash With M-PESA?

Transaction Range Transaction Type and Customer Charge
Minimum Maximum Transfer to M-PESA Users Transfer to Unregistered Users Withdrawal from M-PESA Agent
10 49 1 N/A N/A
50 100 3 N/A 10
101 500 11 44 27
501 1000 15 48 27
1,001 1,500 25 58 27
1,501 2,500 40 73 27
2,501 3,500 55 110 49
3,501 5,000 60 132 66
5,001 7,500 75 163 82
7,501 10,000 85 201 110
10,001 15,000 95 260 159
15,001 20,000 100 282 176
20,001 25,000 110 303 187
25,001 30,000 110 303 187
30,001 35,000 110 303 187
35,001 40,000 110 N/A 275
40,001 45,000 110 N/A 275
45,001 50,000 110 N/A 275
50,001 70,000 110 N/A 330
The cost of sending money to M-PESA users is calculated based on Safaricom's M-PESA Transaction Tariff. M-Pesa transaction charges for sending money to a registered M-PESA user will depend on how much you wish to send. For instance, while it will only cost you Kshs 1 to send between a minimum of Kshs 10 and a maximum of Kshs 49, sending amounts past Kshs 49 up to Kshs 100 will cost Kshs 3. The same way it will cost KSh11 to send amounts between a minimum Ksh101 to a maximum KSh500 and Kshs 40 to send Kshs 1600 over to a registered M-PESA user.
The cost of sending money to unregistered users is calculated based on Safaricom's M-PESA Transaction Tariff. Transaction charges of sending money to unregistered users is slightly higher. For example, M-PESA charges Kshs 44 to send Kshs 500 to an unregistered user compared to only Kshs 11 to send the same amount to a registered M-PESA user. The minimum amount you are allowed to send an unregistered user is Kshs 101 while to registered user is Kshs 10. The maximum you can send to an unregistered user is capped at Kshs 35,000 as opposed to a registered user whom you can send up to a maximum Kshs 70, 000 per transaction and Kshs 140, 000 in a day.
Both registered and unregistered M-PESA users can withdraw a minimum amount of Kshs 50 from an M-PESA Agent. M-PESA transaction charges for agent withdrawal are equal for both registered and unregistered users.
M-Pesa transaction charges for withdrawing money Pesapoint or Equity Bank ATM vary for each transaction. The minimum amount you can withdraw from ATM is Kshs 200 and the maximum amount is Kshs 20,000 depending on the ATM.
Transaction Range Customer Charge
Minimum Maximum
200 2,500 33
2,501 5,000 66
5,001 10,000 110
10,001 20,000 193
You need to add M-PESA transaction charges to the amount you wish to send in order for it to get through. For example, to send Kshs 1,000 to a M-PESA user you will need to top up your M-PESA account with at least Kshs 1,015 since it will cost Kshs 15 to send. Likewise, the minimum balance you need to send money to unregistered users is KSh1,048.
This is the minimum amount users need to have to ensure the amounts they send remain the same when withdrawn at a M-PESA Agent. As such, this includes both costs for sending and withdrawing money from a M-PESA agent. For instance, for Kshs 1,000 to reach an M-PESA user in hand you will need to have a minimum balance in your M-PESA account of Kshs 1,042; Kshs 15 for sending and Kshs 27 for withdrawing at an M-PESA agent
This is the amount a users needs to send to the receiver inclusive of the M-PESA agent withdrawal costs, so that the amount remains same after withdrawing from an M-PESA Agent. For example, if you send Kshs 1,027 then the other person receives Kshs 1,000 after Kshs 27 is levied as M-PESA withdrawal charges.