Calculator
T-Kash Cost Calculator (Kenya, 2026)
Sending KES 5,000 on T-Kash costs KES 57 in fees (total KES 5,057 deducted). Withdrawing KES 5,000 at an agent costs KES 67 (you receive KES 4,933 in cash). Full band tables, worked example, source, and an interactive widget for any other amount.
Worked example: KES 5,000 on T-Kash
| Send KES 5,000 | |
|---|---|
| Amount you send | KES 5,000 |
| T-Kash send fee (3,501-5,000 band) | KES 57 |
| Total deducted from wallet | KES 5,057 |
| Withdraw KES 5,000 | |
|---|---|
| Amount you withdraw | KES 5,000 |
| T-Kash withdrawal fee (3,501-5,000 band) | KES 67 |
| Cash you receive | KES 4,933 |
Full T-Kash send money band table (2026)
Same tariff whether you send to another T-Kash wallet, Airtel Money, or M-PESA (CBK interoperability since 2018).
| Amount band (KES) | Send fee | Note |
|---|---|---|
| 1 to 100 | Free | |
| 101 to 500 | KES 6 | |
| 501 to 1,000 | KES 13 | |
| 1,001 to 1,500 | KES 21 | |
| 1,501 to 2,500 | KES 33 | |
| 2,501 to 3,500 | KES 47 | |
| 3,501 to 5,000 | KES 57 | Worked example band |
| 5,001 to 7,500 | KES 67 | |
| 7,501 to 10,000 | KES 88 | |
| 10,001 to 20,000 | KES 93 | |
| 20,001 to 150,000 | KES 103 | Capped |
Full T-Kash withdrawal band table (2026)
Cash-out at a Telkom Kenya T-Kash agent. Minimum withdrawal KES 50.
| Amount band (KES) | Withdrawal fee | Note |
|---|---|---|
| 50 to 100 | KES 11 | |
| 101 to 2,500 | KES 27 | |
| 2,501 to 3,500 | KES 50 | |
| 3,501 to 5,000 | KES 67 | |
| 5,001 to 7,500 | KES 83 | |
| 7,501 to 10,000 | KES 108 | |
| 10,001 to 15,000 | KES 160 | |
| 15,001 to 20,000 | KES 180 | |
| 20,001 to 35,000 | KES 190 | |
| 35,001 to 50,000 | KES 273 | |
| 50,001 to 150,000 | KES 303 | Capped |
Source: Telkom Kenya T-Kash tariff schedule (effective 1 September 2023), cross-verified against money.ke T-Kash charges and Tech With Muchiri T-Kash charges 2025. Verified 30 August 2026.
How T-Kash tariffs work
T-Kash is Telkom Kenya's mobile money service, licensed by the Central Bank of Kenya. Same regulatory perimeter as M-PESA and Airtel Money, much smaller subscriber base. Because of CBK-enabled interoperability (in force since April 2018), T-Kash charges the same send-money tariff whether the recipient is on T-Kash, Airtel Money or M-PESA. The fee depends on the amount only, not on the destination network.
Deposits at a T-Kash agent are free. Receiving money from any network is free. Airtime purchase, balance checks and PIN changes are free. What you pay for is: sending money, withdrawing at an agent, paying a paybill, and bank-to-wallet or wallet-to-bank movement. Small transactions (up to KES 100) on send-money are free.
For a full walk-through of every category, see our T-Kash charges guide and the individual withdrawal, send money and paybill spokes.
Try your own amount
Pick send or withdraw, enter any amount, and the calculator returns the exact T-Kash fee using the 2026 tariff.
- Band
- KES 3,501 - 5,000
- T-Kash send fee
- KES 57
- Total deducted from wallet
- KES 5,057
Uses the Telkom Kenya T-Kash tariff schedule effective 1 September 2023. Send tariff applies identically to T-Kash, Airtel Money and M-PESA recipients under CBK interoperability rules.
How much does it cost to send KES 5,000 on T-Kash?
KES 57. That is the T-Kash send-money fee for the 3,501 to 5,000 KES band. Total deducted from your wallet: KES 5,057. The recipient receives the full KES 5,000, whether they are on T-Kash, Airtel Money, or M-PESA.
How much does it cost to withdraw KES 5,000 at a T-Kash agent?
KES 67. That is the withdrawal fee for the 3,501 to 5,000 KES band. Net cash you receive at the agent: KES 4,933.
Are T-Kash send charges cheaper than M-PESA?
Roughly the same on most bands. The two schedules are within a few shillings of each other at most amounts, and both are free for sends up to KES 100. Agent access, merchant reach, and which network your contacts are on generally matter more than the fee difference.
Do T-Kash send fees vary by recipient network?
No. Since 2018, when the Central Bank of Kenya enabled full mobile money interoperability, T-Kash charges the same send fee whether the destination is T-Kash, Airtel Money, or M-PESA.
What is the maximum T-Kash transaction size?
KES 250,000 per single transaction. The daily limit is KES 500,000 total across all transactions. The wallet balance is capped at KES 500,000.
Where does this calculator get its rates from?
The Telkom Kenya T-Kash tariff schedule effective 1 September 2023, cross-verified against money.ke (updated March 2024) and Tech With Muchiri (January 2025). Both sources list identical figures. Verify current at tkash.telkom.co.ke or dial 160 (free) from your Telkom line for any large transaction.