Send-money tariff (worked examples)
Sending money to any Kenyan mobile money number (Safaricom, Airtel Money, T-Kash) uses one harmonised 2026 tariff. Free below KES 100, then flat within each band, so the percentage cost falls the more you send.
Calculator
M-PESA Send & Withdraw Cost Calculator: exact 2026 charge
Enter any amount and pick Send to M-PESA, Send to other mobile money, Withdraw at agent, or Withdraw at ATM. This calculator returns the exact 2026 charge from Safaricom's published tariff.
Worked examples at a glance
| Scenario | Amount (KES) | Cost (KES) |
|---|---|---|
| Send to any mobile money (harmonised) | 1,000 | 13 |
| Send to any mobile money | 5,000 | 78 |
| Withdraw at M-PESA agent | 5,000 | 69 |
| Withdraw at M-PESA ATM | 10,000 | 115 |
Full bands and every amount in the tables below. Enter your own amount in the calculator for the exact charge.
KSh
Result
Fee
KES 13
Total cost
KES 1,013
The fee is 1.30% of the amount sent.
Free for transactions up to KES 100.
Fee is the same regardless of recipient (M-Pesa to M-Pesa, registered).
Maximum daily transaction limit is KES 250,000 per Safaricom regulations.
Updated for 2026 Safaricom tariffs. Verify on safaricom.co.ke before sending large amounts.
| Amount (KES) | Send to M-PESA (KES) | Send to other mobile money (KES) |
|---|---|---|
| 1 to 49 | Free | Free |
| 50 to 100 | Free | Free |
| 101 to 500 | 7 | 7 |
| 501 to 1,000 | 13 | 13 |
| 1,001 to 1,500 | 23 | 23 |
| 1,501 to 2,500 | 33 | 33 |
| 2,501 to 3,500 | 53 | 53 |
| 3,501 to 5,000 | 57 | 57 |
| 5,001 to 7,500 | 78 | 78 |
| 7,501 to 10,000 | 90 | 90 |
| 10,001 to 15,000 | 100 | 100 |
| 15,001 to 20,000 | 105 | 105 |
| 20,001 to 35,000 | 108 | 108 |
| 35,001 to 50,000 | 108 | 108 |
| 50,001 to 250,000 | 108 | 108 |
Withdrawal tariff (worked examples)
Two options exist: agent (any M-PESA shop) and ATM (Equity, KCB, Co-op, NCBA and other M-PESA-enabled banks). ATM caps at KES 35,000 per single transaction. For anything larger, agent is your only channel.
| Amount (KES) | Agent fee (KES) | ATM fee (KES) |
|---|---|---|
| 50 to 100 | 11 | n/a |
| 101 to 200 | 29 | n/a |
| 201 to 2,500 | 29 | 35 |
| 2,501 to 3,500 | 52 | 69 |
| 3,501 to 5,000 | 69 | 69 |
| 5,001 to 7,500 | 87 | 115 |
| 7,501 to 10,000 | 115 | 115 |
| 10,001 to 15,000 | 167 | 203 |
| 15,001 to 20,000 | 185 | 203 |
| 20,001 to 35,000 | 197 | 203 |
| 35,001 to 50,000 | 278 | n/a |
| 50,001 to 250,000 | 309 | n/a |
Source: Safaricom M-PESA Consumer Tariffs and Limits, last updated 4 August 2026 (safaricom.co.ke).
Frequently asked
How much does it cost to send KES 5,000 on M-PESA?
KES 78. The 5,001-7,500 send band charges a flat KES 78, whether the recipient is on Safaricom M-PESA, Airtel Money, or T-Kash.
How much does it cost to withdraw KES 10,000 from an M-PESA agent?
KES 115. The 7,501-10,000 agent withdrawal band charges KES 115. At an M-PESA-enabled ATM the same amount costs the same KES 115.
Is sending to Airtel Money more expensive than sending to Safaricom?
No. Safaricom harmonised the send-money tariff across networks in 2023. Sending KES 1,000 to Safaricom and to Airtel Money both cost KES 13 in 2026.
Does this calculator include the KRA excise duty?
Yes. Every figure is the total deducted from your M-PESA balance. The KRA excise on M-PESA fees is already bundled into the displayed tariff.
What is the maximum I can send or withdraw in one transaction?
KES 250,000 per single transaction, with a KES 500,000 daily cap. Agent withdrawal is available up to the full KES 250,000. ATM withdrawal caps at KES 35,000 per transaction.