Mpesa Charges 2023: List of Safaricom M-Pesa Rates and Tariffs

Here are the Mpesa Charges you, as a business owner or a customer, can always look up and use when transacting on your mobile phone. The tables below include Mpesa Withdrawal Charges, Sending Charges, and All Mpesa Rates updated in 2023.

Where would Kenya be without M-Pesa? That is a good question for another day. Safaricom’s M-Pesa is one innovation that has helped millions over the years. Recently Safaricom revised its Mpesa charges, and you will have to pay more to send or receive payments on your mobile phone.

Mpesa withdrawal charges (KShs)

Do you want to Withdraw money from M-Pesa wished to know the new Mpesa Withdrawal charges? I have listed the charges clearly for you to check out.

Here are the current M-Pesa Withdrawal Charges from an Agent:

Minimum Maximum M-Pesa Charges
1 49 N/A
50 100 10
101 500 27
501 1,000 28
1,001 1,500 28
1,501 2,500 28
2,501 3,500 50
3,501 5,000 67
5,001 7,500 84
7,501 10,000 112
10,001 15,000 162
15,001 20,000 180
20,001 35,000 191
35,001 50,000 270
50,001 150,000 300


As the table above shows, Safaricom limits the amount you can withdraw. For instance, you cannot withdraw less than KSHs. 50 at an M-PESA agent outlet.

Mpesa sending charges to unregistered users.

These are the Mpesa sending charges:

Minimum Ksh Maximum Ksh M-PESA Charges
1 49 N/A
50 100 N/A
101 500 45
501 1,000 49
1,001 1,500 59
1,501 2,500 74
2,501 3,500 112
3,501 5,000 135
5,001 7,500 166
7,501 10,000 205
10,001 15,000 265
15,001 20,000 288
20,001 35,000 309
35,001 50,000 N/A
50,001 150,000 N/A

The above is the Mpesa charges for sending money to unregistered users.

Mpesa charges for sending money to Mpesa users

Minimum Ksh Maximum Ksh M-PESA Charges
1 49 Free
50 100 Free
101 500 6
501 1,000 12
1,001 1,500 22
1,501 2,500 32
2,501 3,500 51
3,501 5,000 55
5,001 7,500 75
7,501 10,000 87
10,001 15,000 97
15,001 20,000 102
20,001 35,000 105
35,001 50,000 105
50,001 150,000 105

Mpesa transactions rates: ATM Withdrawal

The following are the M-Pesa transaction charges for ATM withdrawals

Minimum Ksh Maximum Ksh M-PESA Charges
200 2,500 34
2,501 5,000 67
5,001 10,000 112
10,001 20,000 197


M-Pesa Overview

M-Pesa is a mobile payment system that lets users send and receive money using their mobile phones.

The service was launched in 2007 by Safaricom, a leading telecommunications provider in Kenya. Since its launch, M-Pesa has become one of the most popular mobile payment systems globally, with over 30 million users in Kenya alone.

M-Pesa allows users to send money to any other user with a registered mobile phone number. Users can also use M-Pesa to pay for goods and services or withdraw cash from ATMs.

In addition, M-Pesa provides a platform for businesses to disburse payments to their employees and suppliers.

The success of M-Pesa has inspired similar mobile payment systems in other countries, such as Tanzania and Uganda.

See also:

New M-Pesa Charges Summary

Safaricom’s new M-Pesa charges will force the user to pay the following fees in every transaction:

  • All deposits to your account or receiving money on Mpesa are free.
  • You won’t be charged anything if you send between Ksh 1- 100 to other MPesa users.
  • If you are sending an amount of between 50 to 1,00, M-Pesa won’t be charged.
  • Withdrawing any amount between KshFive hundred one01 to Ksh 1,000 will cost you Ksh 28 shillings.
  • Sending any amount between KSh. 1501 to Ksh 2500 will cost you 22 Kenyan shillings.
  • Sending an amount of more than 2501 and less than 3500 will be charged at Ksh 51 bob.
  • If you want to withdraw Ksh 5,000, you must leave 67 shillings to Safaricom.
  • And to send 5000, you will be charged Ksh 55 bob.
  • Sending Ksh 10 000 shillings will cost Ksh 87 bob.
  • While sending Ksh 20,000 will cost you 102 shillings.
  • And when you go to withdraw the Ksh 20,000, you will part with Ksh 180.

That is just a summary of the new Mpesa rates Safaricom LLC updated in December last year. For more detailed charges, see the summary.


M-Pesa is a revolutionary mobile payment system that has changed how Kenyans send and receive money. The service is convenient, safe, and affordable, making it a popular choice for individuals and businesses.

While some charges are associated with using M-Pesa, these are typically very reasonable.

The service has enabled Kenya to become a world leader in mobile payments and has inspired similar systems in other countries. Other technological developments in the Fintech sector are growing thanks partly to M-Pesa’s success.

There is no doubt that M-Pesa has positively impacted Kenya, and its success story is an inspiration to other developing countries.

Anne Katana
Anne Katana
Anne is a student of history. She enjoys sharing her passion and experiences with people through blogging. She started this blog to educate and inspire people globally.


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