New MPESA Withdrawal Charges 2024! (Everything To Know!)

Safaricom is constantly revising its MPESA withdrawal charges, making it hard to know how much it’ll cost to draw funds from an MPESA agent or bank ATM. However, we have the most updated MPESA withdrawal rates that we’ll share with you.

Currently, it costs Ksh 29 to withdraw Ksh 101 – Ksh 25,000 and up to Ksh 309 to draw out Ksh 50,000 – Ksh 250,000 from an MPESA agent. On the other hand, ATM withdrawals will cost you Ksh 35 – Ksh 203, depending on the withdrawal amount. 

I’ll break down all these rates and match them with their respective withdrawal amounts so you can easily find what you want. Moreover, we will look at other MPESA withdrawal charges, such as those involving PayPal, KCB MPESA, business till number, and much more. 

Here’s what we’ll discuss: 

  • How to know about new MPESA withdrawal fees 
  • MPESA withdrawal charges from agents 
  • MPESA withdrawal charges from ATM 
  • Minimum MPESA withdrawal amount 
  • Maximum MPESA withdrawal amount 
  • MPESA PayPal withdrawal charges 
  • MPESA business withdrawal charges 
  • KCB MPESA withdrawal charges 
  • FAQs about MPESA withdrawal rates

Let’s dive in! 

In a rush? Below is an overview of the current MPESA withdrawal charges:

MPESA withdrawal charges

MPESA Withdrawal Charges Chart

Withdrawal Limit (Ksh)MPESA Agent Withdrawal Charges (Ksh)ATM Withdrawal Charges (Ksh)
50 – 100 11N/A
101 – 500 2935 (from Ksh 200 withdraw)
501 – 1,0002935
1,001 – 1,5002935
1,501 – 2,5002935
2,501 – 3,5005269
3,501 – 5,0006969
5,001 – 7,50087115
7,501 – 10,000115115
10,001 – 15,000167203
15,001 – 20,000185203
20,001 – 35,000197203
35,001 – 50,000278N/A
50,001 – 250,000309N/A

How to Know About the Latest MPESA Withdrawal Charges 

How good is it to have a quick way to know about the latest MPESA charges and withdrawal fees? Generally, there are two quick ways you can learn about the latest MPESA transaction charges, including withdrawal rates, and they are as follows: 

Option 1 – Ask The Agent 

MPESA agents usually display a chart with the latest MPESA charges. All you’ve to do is ask about it if you can’t see it. Alternatively, ask the agent directly how much it’ll cost to withdraw the amount you want to draw out. 

Option 2 – Use The Online Calculator 

Nowadays, Safaricom has an online MPESA transaction charges calculator on its website. Using it, you can tell how much it’ll cost to withdraw from an agent and ATM and transfer from MPESA to registered and unregistered MPESA users.

This is quick, and you’ll always have the most current information. For example, I came up with the figures I’m sharing this way. 

current MPESA withdrawal charges

MPESA Withdrawal Charges from Agents

MPESA has revised its withdrawal charges, and here’s how much it’ll cost you to withdraw money from a local MPESA agent. 

Withdrawal Limit (Ksh)Withdrawal Charges (Ksh)
50 – 100 11
101 – 500 29
501 – 1,00029
1,001 – 1,50029
1,501 – 2,50029
2,501 – 3,50052
3,501 – 5,00069
5,001 – 7,50087
7,501 – 10,000115
10,001 – 15,000167
15,001 – 20,000185
20,001 – 35,000197
35,001 – 50,000278
50,001 – 250,000309

ATM MPESA Withdrawal Charges

MPESA allows you to withdraw cash from a local bank’s ATM, but the charges are different, and the same applies to the withdrawal limits. Here’s a quick guide. 

Minimum Amount (Ksh)Maximum Amount (Ksh)ATM Withdrawal Charges
200 2,50035
2,501 5,00069

Minimum MPESA Withdraw Amount 

You can’t just withdraw any amount from an MPESA agent or ATM. You must meet the minimum threshold, which for MPESA agents is Ksh 50 and for ATMs is just Ksh 200. 

Maximum MPESA Withdrawal Amount 

Just like a minimum withdrawal threshold for MPESA exists, there’s also a maximum limit. You can withdraw a maximum of Ksh 250,000 from an MPESA agent and Ksh 35,000 from an ATM. 

So, the maximum amount you can withdraw from an ATM is less than that from a registered MPESA agent. It’s worth noting, however, that the maximum daily MPESA transaction value is currently Ksh 500,000. You can’t do more than that. 

MPESA withdrawal charges chart

PayPal MPESA Withdrawal Charges

After partnering with PayPal a few years ago, transferring money between MPESA and PayPal and vice versa is possible. In that case, you can be paid in dollars and convert the funds into Kenya shillings. You can also pay in dollars once you convert the amount in your MPESA. 

But first, you must have a PayPal account and a registered MPESA line and link the two before you can transfer between them. Once you do that, you can withdraw from PayPal to MPESA using these steps: 

  • Log into your MPESA PayPal amount using this link, which will direct you to a page displaying your available balance in USD
  • Enter the amount you want to withdraw in USD and wait to be registered to a popup page showing the exchange rate for the conversion and the estimated time for processing the withdrawal
  • Click Confirm once you double-check everything and wait for 20 minutes to 2 hours (unless there’s a delay) to receive the money in your MPESA wallet 

Let’s now talk about the charges, and here’s a quick guide: 

Transaction Limit (Ksh)Charges (Ksh)
101 – 99923
1,000 – 2,49934
2,500 – 4,49956
5,000 – 9,49985
10,000 – 34,999112
35,000 – 49,999202
40,000 – 150,000210

MPESA Business Withdrawal Charges

MPESA till number merchants also incur some charges for the money they could on the till, as long as it’s more than Ksh 200. Anything below Ksh 200 is free. However, any transaction above Ksh 200 will attract a maximum fee of Ksh 200 or 0.55%. 

KCB MPESA Withdrawal Charges

If you are a KCB MPESA customer, you can withdraw money from your KCB MPESA account to your MPESA wallet. If that’s the case and you are using KCB Mobile Banking or Internet Banking, here are the applicable charges. 

Amount Limit (Ksh)Fees (Ksh)
1 – 1000.00
101 – 50011.20
501 – 1,00013.60
1,001 – 1,50016.00
1,501 – 2,50026.00
2,501 – 3,50038.00
3,501 – 5,00050.00
5,001 – 7,50064.00
7,501 – 20,00076.00
20,001 – 150,00078.00
PayPal MPESA withdrawal charges


1. How Much Does It Cost to Withdraw Ksh 50? 

It costs Ksh 11 to withdraw Ksh 50 from an MPESA agent. That’s the same amount it’ll cost you to draw Ksh 100 from an agent. 

2. How Much Will It Cost Me to Withdraw Ksh 100? 

It costs Ksh 11 to withdraw any amount between Ksh 50 and Ksh 100 from a registered MPESA agent. Any amount above that will cost you more (from Ksh 29, depending on the withdrawal amount). 

3. Can I Still Withdraw MPESA at an ATM? 

Yes, you can still withdraw MPESA at an ATM. There are, however, lower and higher limits for doing so. On a lower limit, the minimum you can withdraw at an ATM is Ksh 200; on a higher limit, you can withdraw from MPESA at an ATM is Ksh 35,000. If you want to withdraw more than that, consider doing it with an agent. 

Overall, here are the rates applicable to ATM MPESA withdrawals:

Minimum Amount (Ksh)Maximum Amount (Ksh)Withdrawal Charges
200 2,50035
2,501 5,00069

4.      How Much to Withdraw 4000 MPESA? 

It’ll cost you Ksh 69 to withdraw Ksh 4,000 from an MPESA agent or bank ATM. So, you can choose any of the two options as the charges are alike. 

Concluding Thought:

Above is everything you ought to know about the latest MPESA withdrawal charges. So, consider the chart guides to withdraw MPESA funds at an agent or ATM. 

By comparing the rates, you can tell what route suits you best. Don’t forget about PayPal, KCB MPESA, and MPESA till charges, which I’ve also shared above. 

If you want to learn about other MPESA charges and other exciting topics on finance, check out our online store, as we have a lot to share. 

Written by Alex

Written by Alex

I have passion in helping people Make, Manage, Multiply & Protect Wealth.Download my Free Guide to Financial Freedom >>[ GET IT HERE]<<