Latest MPESA Transaction Charges 2024 (Updated!)

Safaricom keeps reviewing its MPESA transaction charges, and more often than not, upwards than downwards. So, it’s worth getting familiar with the latest fees associated with various MPESA products such as ‘Send Money,’ ‘MPESA Withdrawals’, ‘Pochi La Biashara,’ and ‘Pay Bill’ transactions.

Ideally, the MPESA charges vary depending on the nature of the transaction. For example, you can send up to Ksh 100 for free, but it’ll cost you Ksh 10 to withdraw such an amount from an MPESA agent.

And if you want to transfer Ksh 100 – Ksh 500 to registered customers, Pochi La Biashara or Business Till Number, it’ll cost you Ksh 6. You’ll, however, pay Ksh 27 to withdraw the amount from an agent and Ksh 34 from an ATM.

Another example is that while it costs Ksh 197 to withdraw Ksh 20,000 at the ATM, it’ll cost you Ksh 180 to withdraw the same amount at an MPESA agent. To help you get the difference, I’ll highlight the various fees for the different amounts in this post.

Let’s jump into it!

In a hurry? Below is a summary of the latest MPESA charges:

An Overview of the Latest MPESA Transaction Charges

Transaction Amount (Ksh)	Transfer To Registered MPESA User (Ksh)	Transfer To Unregistered MPESA User (Ksh)	Transfer To Pochi La Biashara or Till Number (Ksh)	MPESA Agent Withdrawal (Ksh)	ATM Withdrawal (Ksh)
1 – 49	0	N/A	0	N/A	N/A
50 – 100	0	N/A	0	10	N/A
101 – 500	6	45	6	27	34
501 – 1,000	12	49	12	28	34
1,001 – 1,500	22	59	22	28	34
1,501 – 2,500	32	74	32	28	34
2,501 – 3,500	51	112	51	50	67
3,501 – 5,000	55	135	55	67	67
5,001 – 7,500	75	166	75	84	112
7,501 – 10,000	87	205	87	112	112
10,001 – 15,000	97	265	97	162	197
15,001 – 20,000	102	286	102	180	197
20,001 – 35,000	105	305	105	191	N/A
35,001 – 50,000	105	N/A	105	270	N/A
50,001 – 150,000	105	N/A	105	300	N/A

MPESA Withdrawal Charges

MPESA Withdrawal Charges at an Agent 

Consider the table below to withdraw money from an MPESA agent.

Transaction Amount (Ksh)	Withdrawal Charge (Ksh)
1 – 49	N/A
50 – 100	10
101 – 500	27
501 – 1,000	28
1,001 – 1,500	28
1,501 – 2,500	28
2,501 – 3,500	50
3,501 – 5,000	67
5,001 – 7,500	84
7,501 – 10,000	112
10,001 – 15,000	162
15,001 – 20,000	180
20,001 – 35,000	191
35,001 – 50,000	270
50,001 – 150,000	300

MPESA Withdrawal Charges at The ATM

When it comes to ATM MPESA withdrawals, you can withdraw a minimum of Ksh 200 and a maximum of Ksh 20,000, as shown in the table below:

Amount (Ksh)	MPESA Charges (Ksh)
200 – 2,500	34
2,501 – 5,000	67
5,001 – 10,000	112
10,001 – 20,000	197

MPESA Charges for Sending Money

Safaricom charges differ when sending money to registered MPESA users and non-registered ones. Additionally, the costs for sending money to Business Till and Pochi la Biashara differ from those for transferring money to people directly.

Let’s discuss the options. 

MPESA Charges for Transferring Money to Users 

Consider the table below if you want to transfer money to registered or unregistered MPESA users. 

Transaction Amount (Ksh)	Transfer To Registered MPESA User (Ksh)	Transfer To Unregistered MPESA User (Ksh)
1 – 49	0	N/A
50 – 100	0	N/A
101 – 500	6	45
501 – 1,000	12	49
1,001 – 1,500	22	59
1,501 – 2,500	32	74
2,501 – 3,500	51	112
3,501 – 5,000	55	135
5,001 – 7,500	75	166
7,501 – 10,000	87	205
10,001 – 15,000	97	265
15,001 – 20,000	102	286
20,001 – 35,000	105	305
35,001 – 50,000	105	N/A
50,001 – 150,000	105	N/A

Safaricom MPESA Transaction Charges for Pochi la Biashara and Business Till  

Consider the charges below when you want to transfer MPESA to Pochi La Biashara and Business Till:

Transaction Amount (Ksh)	Transfer To Pochi La Biashara or Till Number (Ksh)
1 – 49	0
50 – 100	0
101 – 500	6
501 – 1,000	12
1,001 – 1,500	22
1,501 – 2,500	32
2,501 – 3,500	51
3,501 – 5,000	55
5,001 – 7,500	75
7,501 – 10,000	87
10,001 – 15,000	97
15,001 – 20,000	102
20,001 – 35,000	105
35,001 – 50,000	105
50,001 – 150,000	105

Pay Bill MPESA Transaction Fee

Below is a table showing the customer-to-business (C2B) pay bill charges under the Customer Bouquet Tariff, effective January 1st, 2023:

Transaction Amount (Ksh)	Charge on Customer	Charge on Business	Total
1 – 49	0	0	0
50 – 100	0	0	0
101 – 500	0	4	4
501 – 1,000	0	9	9
1,001 – 1,500	0	14	14
1,501 – 2,500	0	19	19
2,501 – 3,500	0	24	24
3,501 – 5,000	0	33	33
5,001 – 7,500	0	40	40
7,501 – 10,000	0	46	46
10,001 – 15,000	0	55	55
15,001 – 20,000	0	60	60
20,001 – 25,000	0	65	65
25,001 – 30,000	0	70	70
30,001 – 35,000	0	80	80
35,001 – 40,000	0	96	96
40,001 – 45,000	0	100	100
45,001 – 150,000	0	105	105

Bank to MPESA Transfer Charges 

The charges from the bank to MPESA vary between banks. Here’s a table showing how much you can expect to incur when making transfers from banks to MPESA 

Amount (Ksh)	KCB to MPESA (Ksh)	Equity Bank to MPESA (Ksh)	Co-op Bank to MPESA (Ksh)	NCBA Bank to MPESA	Stan Chart to MPESA	Stanbic To MPESA	DTB to MPESA
1 – 100	0	0	0	0	0	0	0
101 – 500	11.2	12	24	12	13.2	13.2	13.2
501 – 1,000	13.6	14.4	28.8	14.4	18	18	18
1,001 – 1,500	16	16.8	28.8	16.8	21.6	21.6	21.6
1,501 – 2,500	26	27.6	28.8	27.6	30	30	30
2,501 – 3,500	38	39.6	33.6	39.6	42	42	42
3,501 – 5,000	50	51.6	33.6	51.6	56.4	56.4	56.4
5,001 – 7,500	64	66	33.6	66	68.4	68.4	68.4
7,501 – 20,000	76	78	43.2	78	80.4	80.4	80.4
20,001 – 150,000	78	90	60	80.4	84	84	84

MPESA Global Charges 

MPESA global allows registered MPESA customers to transfer money to other users around the globe. Overall, you can transfer Ksh 101 – Ksh 70,000 via MPESA Global, and the table below shows the respective transaction charges. 

Amount (Ksh)	Charges (Ksh)
101 – 5,000	100
5,001 – 15,000	250
15,001 – 35,000	350
35,001 – 70,000	500

People Also Ask 

1. What Are the New Charges for Safaricom 2023?

The new MPESA transaction charges 2023 are as follows:

Transaction Amount (Ksh)	Transfer To Registered MPESA User (Ksh)	Transfer To Unregistered MPESA User (Ksh)	Transfer To Pochi La Biashara or Till Number (Ksh)	MPESA Agent Withdrawal (Ksh)	ATM Withdrawal (Ksh)
1 – 49	0	N/A	0	N/A	N/A
50 – 100	0	N/A	0	10	N/A
101 – 500	6	45	6	27	34
501 – 1,000	12	49	12	28	34
1,001 – 1,500	22	59	22	28	34
1,501 – 2,500	32	74	32	28	34
2,501 – 3,500	51	112	51	50	67
3,501 – 5,000	55	135	55	67	67
5,001 – 7,500	75	166	75	84	112
7,501 – 10,000	87	205	87	112	112
10,001 – 15,000	97	265	97	162	197
15,001 – 20,000	102	286	102	180	197
20,001 – 35,000	105	305	105	191	N/A
35,001 – 50,000	105	N/A	105	270	N/A
50,001 – 150,000	105	N/A	105	300	N/A

2. What Are the Charges for MPESA Withdrawals?

Below is a table showing an MPESA agent’s and ATM’s withdrawal charges. 

Transaction Amount (Ksh)	MPESA Agent Withdrawal (Ksh)	ATM Withdrawal (Ksh)
1 – 49	N/A	N/A
50 – 100	10	N/A
101 – 500	27	34
501 – 1,000	28	34
1,001 – 1,500	28	34
1,501 – 2,500	28	34
2,501 – 3,500	50	67
3,501 – 5,000	67	67
5,001 – 7,500	84	112
7,501 – 10,000	112	112
10,001 – 15,000	162	197
15,001 – 20,000	180	197
20,001 – 35,000	191	N/A
35,001 – 50,000	270	N/A
50,001 – 150,000	300	N/A

3. How Much Does MPESA Charge to Withdraw 200?

It currently costs Ksh 27 to withdraw Ksh 200 at an MPESA agent and Ksh 34 at an ATM. 

4. How Much Does It Cost to Withdraw 100 from MPESA?

It costs Ksh 28 to withdraw Ksh 1,000 from an MPESA agent and Ksh 34 from an ATM agent. 

5. What Is The MPESA Paybill Tariff 2023?

Here are the latest MPESA pay bill charges according to the Customer-to-Business Bouquet as of January 1st, 2023.

Transaction Amount (Ksh)	Charge on Customer	Charge on Business	Total
1 – 49	0	0	0
50 – 100	0	0	0
101 – 500	0	4	4
501 – 1,000	0	9	9
1,001 – 1,500	0	14	14
1,501 – 2,500	0	19	19
2,501 – 3,500	0	24	24
3,501 – 5,000	0	33	33
5,001 – 7,500	0	40	40
7,501 – 10,000	0	46	46
10,001 – 15,000	0	55	55
15,001 – 20,000	0	60	60
20,001 – 25,000	0	65	65
25,001 – 30,000	0	70	70
30,001 – 35,000	0	80	80
35,001 – 40,000	0	96	96
40,001 – 45,000	0	100	100
45,001 – 150,000	0	105	105

6. How Much Does It Cost to Withdraw 2,500 from MPESA?

It currently costs Ksh 28 to withdraw Ksh 2500 at an MPESA agent and Ksh 34 at the ATM. 

7. How Much Does Equity Charge to MPESA 2023?

Equity transactions have attracted a 20% excise duty since January 1st, 2023. Below is a table showing the latest equity bank to MPESA transaction charges. 

8. How Much Does It Cost to Transfer Money from MPESA to KCB?

Currently, KCB doesn’t charge for money transfers from MPESA. They, however, charge for transfers from KCB to MPESA. Here are the latest KCB to MPESA transaction charges:

Amount (Ksh)	KCB to MPESA (Ksh)
1 – 100	0
101 – 500	11.2
501 – 1,000	13.6
1,001 – 1,500	16
1,501 – 2,500	26
2,501 – 3,500	38
3,501 – 5,000	50
5,001 – 7,500	64
7,501 – 20,000	76
20,001 – 150,000	78

9. How Do I Avoid MPESA Charges?

There are various ways to avoid hefty MPESA charges. They include:

• Withdraw large amounts 
• Buy in cash 
• Shift to mobile bank
• Transfer to MPESA in bulk 

10. What’s The Minimum MPESA Transaction?

The minimum you can transact with MPESA is Ksh 1. You can transfer Ksh 1 to any registered MPESA user. But when it comes to withdrawal, the minimum you can withdraw is Ksh 50. 

Concluding Remarks 

Above are the latest MPESA transaction charges. So, whether you want to send money, withdraw or pay a bill with MPESA, you can use the guide to determine how much it’ll cost.

We, as Cent Warriors, strive to provide you with the latest and most informative information on finance, and we hope you’ll find this guide valuable. 

Also Read:

• How to Fuliza MPESA
• How to Opt-Out of Fuliza
• Ways You Can Get an MPESA Statement Online
• How to Withdraw Funds from PayPal to MPESA