M-Pesa Charges Calculator
2025 Safaricom tariffs · Send, Withdraw, Paybill, Buy Goods · Excise duty included 🇰🇪
Frequently Asked Questions
What is the M-Pesa send-money charge in 2025?
Sending under KES 100 is free. Above 100, charges scale by band: KES 6 for 101-500, KES 12 for 501-1,000, KES 22 for 1,001-2,500, etc. Maximum is KES 108 for transfers over KES 20,000. Per-transaction cap is KES 250,000; daily limit is KES 500,000.
How much does it cost to withdraw from an M-Pesa agent?
Withdrawals start at KES 11 for very small amounts and reach KES 309 for the maximum KES 250,000. Withdrawals under KES 50 are not allowed. Withdrawing larger amounts in fewer transactions is always cheaper than splitting into many small withdrawals.
Are M-Pesa charges different on Paybill (Lipa Na M-Pesa)?
Yes. Paybills use one of three tariffs: Customer Bouquet (the customer pays the full fee — most common for big organisations), Business Bouquet (the business pays, customer is free) or Mgao (split 50/50). KPLC, DStv, school fees etc. usually use Customer Bouquet.
Is the 20% excise duty already included in M-Pesa charges?
Yes. Safaricom calculates the base fee, adds 20% excise duty, and shows you one combined figure. So when M-Pesa says "KES 22 fee," that already includes ~KES 3.67 going to KRA as excise tax.
How can I reduce M-Pesa fees?
(1) Send under KES 100 in one go — free. (2) Withdraw larger amounts less often instead of multiple small ones. (3) Use Send to Bank (free between most banks via PesaLink). (4) Use M-Pesa to M-Pesa for KES 100-500 — only KES 6. (5) Receive via Paybill if the business is on Business Bouquet — costs you nothing.