T-Kash agent withdrawal charges in 2026 range from KES 11 (for the 50 to 100 KES band) to KES 303 (for the 50,001 to 150,000 KES band). Below is the full customer-side band table for cashing out at a T-Kash agent, verified against Telkom Kenya's effective 1 September 2023 tariff schedule and cross-checked against multiple Kenyan finance publications.
Full T-Kash withdrawal band table (2026)
| Amount band (KES) | Withdrawal fee at agent |
|---|---|
| 1 to 49 | Not permitted |
| 50 to 100 | KES 11 |
| 101 to 200 | KES 27 |
| 201 to 500 | KES 27 |
| 501 to 1,000 | KES 27 |
| 1,001 to 1,500 | KES 27 |
| 1,501 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 |
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.
Withdraw cash from T-Kash via *334#
- Dial
*334#on your Telkom line. - Select Withdraw Cash.
- Enter the T-Kash Agent Number displayed at the agent counter.
- Enter the amount to withdraw. Minimum KES 50.
- Enter your 4-digit T-Kash PIN. Confirm.
- Show the agent your confirmation SMS. Collect cash. Keep the SMS as proof of the transaction.
Do you need ID?
For small withdrawals most T-Kash agents will not ask, though ID checks are permitted. For withdrawals above KES 10,000 agents are more likely to ask to see your Kenyan National ID or Passport and match it to the name registered on your T-Kash line. Carry ID for larger cash-outs to avoid the trip back.
Honest comparison with M-PESA withdrawal fees
On the middle bands (KES 501 to KES 2,500) T-Kash charges a flat KES 27 while M-PESA charges KES 27 to KES 32 in the same range, so the two are essentially at parity. At the top bands T-Kash is competitive but not dramatically cheaper. The real cost driver for most Kenyans is not the published fee but agent density: M-PESA agents are on every corner, T-Kash agents are sparse outside major towns. A KES 50 saving on the withdrawal fee does not offset a 20-minute trip to a distant agent, or a wasted trip to one without float. See our full three-way mobile money comparison for the full picture.
Daily and per-transaction limits
- Maximum single transaction: KES 250,000
- Maximum daily transaction total: KES 500,000
- Maximum wallet balance: KES 500,000
Above these limits you need to split into multiple transactions, subject to the daily total. Individual agents may also cap per-transaction withdrawals lower than the platform limit based on their float on hand.
FAQ
What is the minimum T-Kash withdrawal charge?
KES 11, for withdrawals in the 50 to 100 KES band. Amounts below KES 50 are not permitted at agents.
What is the maximum T-Kash withdrawal charge?
KES 303, for the top band of KES 50,001 to KES 150,000. The daily transaction limit is KES 500,000 and the maximum single-transaction size is KES 250,000, but the withdrawal fee itself caps at KES 303 per transaction.
How do I withdraw T-Kash cash at an agent?
Dial *334# on your Telkom line (T-Kash uses *334#). Choose Withdraw Cash, enter the agent number, enter the amount, then your 4-digit T-Kash PIN. Show the agent the confirmation SMS and collect cash.
Do I need ID to withdraw T-Kash at an agent?
Agents may ask to see your Kenyan National ID or Passport for larger amounts, matching the ID name to your T-Kash-registered name. Carry ID for withdrawals above KES 10,000.
Can I withdraw T-Kash at an ATM?
ATM cash-out is not part of the standard T-Kash agent tariff table above. Telkom has partnered with certain banks in the past for ATM access; availability varies by bank and by ATM. Verify current ATM options at tkash.telkom.co.ke or via T-Kash customer care on 160.
Are T-Kash withdrawal fees cheaper than M-PESA?
On the middle bands (KES 501 to KES 2,500) T-Kash charges a flat KES 27 while M-PESA charges roughly KES 27 to KES 32 depending on the band, so the two are close. At larger amounts T-Kash is competitive but not always cheaper. The bigger driver of real cost is agent density: M-PESA agents are far more numerous, so you may spend time hunting a T-Kash agent with enough float.
Where can I verify the current T-Kash withdrawal tariff?
The Telkom Kenya T-Kash site (tkash.telkom.co.ke) is the primary source. You can also call T-Kash customer care on 160 (free from a Telkom number). Bands change from time to time, so verify before relying on a specific figure for a large withdrawal.