Withdrawing KES 1,000 at an M-PESA agent costs KES 29. Withdrawing KES 10,000 costs KES 115. The maximum single-withdrawal charge is KES 309 (for KES 50,000 and above). ATM withdrawal is cheaper for most bands and caps at KES 203, but is only available up to KES 35,000 per single transaction.
Agent (M-PESA shop) withdrawal tariff, 2026
| Amount (KES) | Agent withdrawal fee (KES) |
|---|---|
| 50 to 100 | 11 |
| 101 to 500 | 29 |
| 501 to 1,000 | 29 |
| 1,001 to 1,500 | 29 |
| 1,501 to 2,500 | 29 |
| 2,501 to 3,500 | 52 |
| 3,501 to 5,000 | 69 |
| 5,001 to 7,500 | 87 |
| 7,501 to 10,000 | 115 |
| 10,001 to 15,000 | 167 |
| 15,001 to 20,000 | 185 |
| 20,001 to 35,000 | 197 |
| 35,001 to 50,000 | 278 |
| 50,001 to 250,000 | 309 |
Source: Safaricom M-PESA Consumer Tariffs and Limits, last updated 4 August 2026 (safaricom.co.ke).
ATM withdrawal tariff, 2026
M-PESA card-less withdrawal works at ATMs branded with the M-PESA logo (Equity, KCB, Co-op, NCBA, and others). Generate a withdrawal token in the M-PESA app or via *334#, then enter it at the ATM. The tariff is separate from the agent tariff and usually cheaper.
| Amount (KES) | ATM withdrawal fee (KES) |
|---|---|
| 200 to 2,500 | 35 |
| 2,501 to 5,000 | 69 |
| 5,001 to 10,000 | 115 |
| 10,001 to 35,000 | 203 |
ATM withdrawal caps at KES 35,000 per single transaction. For anything above that, agent withdrawal is your only channel. Some banks charge a small additional ATM surcharge on top of the Safaricom tariff, so always confirm the displayed fee on the ATM screen before confirming.
Agent vs ATM: which is cheaper?
Both are available. The choice depends on amount and convenience:
- Below KES 200. Agent only. ATMs do not dispense below KES 200.
- KES 200 to KES 2,500. ATM costs KES 35, agent costs KES 29 (or KES 11 below KES 100). Agent slightly cheaper.
- KES 2,501 to KES 35,000. ATM is generally cheaper (KES 69 to KES 203) than agent (KES 52 to KES 197). Very close, so pick on convenience.
- Above KES 35,000. Agent only. ATM does not support.
Ways to avoid the withdrawal fee entirely
- Buy Goods (Till). Free to the customer. If you can pay directly from M-PESA, skip the withdrawal.
- Send to another M-PESA user. Free up to KES 100. Useful for small reimbursements.
- M-PESA to bank via paybill. Absorbed as a customer fee by most bank paybills (Equity, KCB, Co-op), so the cost is zero on the sender side. Then withdraw at your bank ATM at bank rates.
Get the exact fee for any amount
Bands are easy to misread. Drop your amount into the M-PESA send and withdraw cost calculator for the precise agent (or ATM) figure.
Withdrew the wrong amount?
Agent and ATM withdrawals cannot normally be reversed, the funds are physically cash by then. What you CAN reverse is a wrong send-money transfer, before the recipient withdraws. See how to reverse an M-PESA transaction for the exact steps (forward the original SMS to 456 within 24 hours).