Comprehensive Guide to M-Pesa Charges in 2025
M-Pesa, operated by Safaricom, is Kenya’s leading mobile money transfer service. Since its launch in 2007, it has transformed financial inclusion by providing quick, secure, and convenient financial services to millions of unbanked and banked users. However, M-Pesa transaction charges remain a key consideration for users.
How M-Pesa Works
M-Pesa allows users to:
- Send and receive money.
- Deposit and withdraw funds.
- Pay bills and purchase goods and services.
- Access credit and savings solutions.
With over 34 million active users as of 2024, M-Pesa has become a cornerstone of financial transactions in Kenya. Customers can initiate transactions via the Safaricom SIM toolkit, USSD code (*334#), or the M-Pesa app, making the process seamless and accessible to all.
Sending Money: M-Pesa Charges in 2025
M-Pesa’s “Send Money” charges are based on the transaction amount. In 2025, Safaricom harmonized rates for transfers to other networks like Airtel Money and Telkom’s T-Kash to match Safaricom-to-Safaricom fees. Transfers to unregistered customers were discontinued to combat fraud and money laundering.
M-Pesa Send Money Charges 2025
| Amount Range (Ksh) | Safaricom Fees | Airtel/Telkom Fees |
|---|---|---|
| 1 – 49 | Free | Free |
| 50 – 100 | Free | Free |
| 101 – 500 | 7 | 7 |
| 501 – 1,000 | 13 | 13 |
| 1,001 – 1,500 | 23 | 23 |
| 1,501 – 2,500 | 33 | 33 |
| 2,501 – 3,500 | 53 | 53 |
| 3,501 – 5,000 | 57 | 57 |
| 5,001 – 7,500 | 78 | 78 |
| 7,501 – 10,000 | 90 | 90 |
| 10,001 – 15,000 | 100 | 100 |
| 15,001 – 20,000 | 105 | 105 |
| 20,001 – 35,000 | 108 | 108 |
| 35,001 – 50,000 | 108 | 108 |
| 50,001 – 250,000 | 108 | 108 |
Withdrawal Charges: M-Pesa 2025
Withdrawals through M-Pesa agents incur higher charges compared to sending money. For example, withdrawing Ksh1,000 costs Ksh29, while sending the same amount costs Ksh13.
M-Pesa Withdrawal Charges 2025
| Withdrawal Amount (Ksh) | Charges (Ksh) |
|---|---|
| 1 – 49 | N/A |
| 50 – 100 | 11 |
| 101 – 500 | 29 |
| 501 – 1,000 | 29 |
| 1,001 – 1,500 | 29 |
| 1,501 – 2,500 | 29 |
| 2,501 – 3,500 | 52 |
| 3,501 – 5,000 | 69 |
| 5,001 – 7,500 | 87 |
| 7,501 – 10,000 | 115 |
| 10,001 – 15,000 | 167 |
| 15,001 – 20,000 | 185 |
| 20,001 – 35,000 | 197 |
| 35,001 – 50,000 | 278 |
| 50,001 – 250,000 | 309 |
The maximum transaction amount per send or withdrawal is Ksh250,000, while the maximum account balance is Ksh500,000.
Widespread Accessibility
With over 300,000 M-Pesa agents nationwide, Safaricom ensures widespread access for registration, deposits, withdrawals, and other services.
Conclusion
M-Pesa continues to lead in financial services with its convenience, security, and accessibility. Despite transaction charges, it remains the preferred choice for millions of Kenyans, driving economic inclusion and financial independence.
