How are M-Pesa withdrawal fees calculated in 2026?

M-Pesa withdrawal fees are tiered based on the amount you withdraw. For example, withdrawing between Ksh 101 and 2,500 incurs a fee of Ksh 29, while amounts above Ksh 50,000 up to 250,000 incur a fee of Ksh 309.

Is there a charge for sending money to an unregistered M-Pesa user?

Yes. Sending money to an unregistered user (Pesa Pap) attracts a higher fee than sending to a registered user. For instance, sending Ksh 500 to an unregistered user costs Ksh 47, compared to Ksh 7 for a registered user.

What is the M-Pesa ATM withdrawal charge?

Withdrawing cash using your M-Pesa card at an ATM costs Ksh 35 for amounts between Ksh 200 and 2,500, and scales up to Ksh 203 for withdrawals between Ksh 10,001 and 35,000.

M-Pesa Fee Calculator

Instantly calculate accurate M-Pesa sending, withdrawal, and ATM charges. Updated for 2026 official Safaricom rates.

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Official 2026 Tariff Rates

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Official Tariff Table Updated 2026

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Understanding M-Pesa Charges

Safaricom's M-Pesa remains Kenya's most trusted mobile money service. Staying informed about the latest M-Pesa fees is crucial for effective personal and business finance management. This calculator provides real-time, accurate breakdowns based on the official 2026 Safaricom tariff guidelines.

Send Money: Standard charges for transferring funds to registered M-Pesa users.
Agent Withdrawals: Fees incurred when cashing out at an authorized M-Pesa agent.
Unregistered Users: Specific rates applied when sending money to a non-M-Pesa phone number.
ATM Withdrawals: Costs associated with using your linked M-Pesa card at local ATMs.

Frequently Asked Questions

How are withdrawal fees calculated?

Withdrawal fees are tiered based on the amount. For example, withdrawing Ksh 101–2,500 incurs a flat fee of Ksh 29, while Ksh 50,001–250,000 incurs a maximum fee of Ksh 309.

Is there a charge for unregistered users?

Yes. Sending money to an unregistered user attracts a higher fee. For instance, sending Ksh 500 to an unregistered user costs Ksh 47, compared to Ksh 7 for a registered user.