AC AnythingCalc

M-Pesa Charges Calculator (Kenya)

Look up current Safaricom M-Pesa send, other-network, agent, ATM, Pochi la Biashara and Buy Goods charges. See the fee, what they receive, and how much you need in your wallet — including send-then-withdraw.

Transaction

Ksh

Maximum per transaction is Ksh 250,000.

Tariffs last updated on Safaricom’s site 2026-08-04. Published fees include excise duty. Subject to change — official M-Pesa charges.

Transaction fee

—

Enter an amount to see the charge.

Transaction amount
Ksh —
Fee
Ksh —
They receive
Ksh —
You need in M-Pesa
Ksh —

Send, other network & agent withdrawal

Customer charges in KES. Other-network send uses the same bands as send-to-M-Pesa.

Min Max To M-Pesa Other network Agent withdraw
1 49 Free Free N/A
50 100 Free Free 11
101 500 7 7 29
501 1,000 13 13 29
1,001 1,500 23 23 29
1,501 2,500 33 33 29
2,501 3,500 53 53 52
3,501 5,000 57 57 69
5,001 7,500 78 78 87
7,501 10,000 90 90 115
10,001 15,000 100 100 167
15,001 20,000 105 105 185
20,001 35,000 108 108 197
35,001 50,000 108 108 278
50,001 250,000 108 108 309

Pochi la Biashara

Customer charges, promo for 3 months from 1 August 2026. After the promo, confirm the live tariff.

Min Max Fee
0 50 Free
50 100 Free
101 200 Free
201 500 7
501 1,000 13
1,001 1,500 23
1,500 2,500 33
2,500 250,000 50

ATM withdrawal

Customer charges. ATM withdrawals are Ksh 200–35,000.

Min Max Fee
200 2,500 35
2,501 5,000 69
5,001 10,000 115
10,001 35,000 203

Free transactions

  • All deposits Free
  • M-Pesa registration Free
  • Airtime through M-Pesa Free
  • Balance enquiry Free
  • Change M-Pesa PIN Free

Max balance and daily limit Ksh 500,000 / 500,000. Minimum agent withdrawal Ksh 50. Buy Goods customer charge is usually Ksh 0 (the merchant pays). Fuel stations are an exception and are not calculated here. This is not an official Safaricom tool.

Frequently asked questions

Who pays the M-Pesa send fee? +

The sender. The fee is taken from your M-Pesa on top of the amount you send, so the recipient gets the full amount in their wallet. Example: send Ksh 1,000 and the fee is Ksh 13 — you need Ksh 1,013, they receive Ksh 1,000.

How do agent withdrawals work? +

You ask for the cash amount you want. The agent gives you that cash in full, and the withdrawal fee is taken from your M-Pesa separately. To walk away with Ksh 1,000 you need Ksh 1,029 in your wallet (Ksh 1,000 + Ksh 29). Withdrawals of Ksh 1–49 are not available; the minimum is Ksh 50.

How much should I send so someone can withdraw cash? +

Tick “Send enough so they can withdraw this as cash”. We add the agent withdrawal fee to what you send, then add your send fee on top. That way they can collect the cash without needing extra balance.

Is Lipa na M-Pesa Buy Goods free for the customer? +

Usually yes — the published customer charge is Ksh 0 and the merchant pays. Authorised fuel stations are an exception: the customer pays, and those bands are not in this tool. Confirm at the pump. Consumer Paybill charges are also not on Safaricom’s consumer send/withdraw table, so they are not calculated here.

Are Pochi la Biashara charges the same as sending to M-Pesa? +

Not during the current promo (3 months from 1 August 2026): transfers of Ksh 2,500–250,000 are capped at Ksh 50. After the promo, confirm the live tariff on Safaricom’s charges page or *334#.

Do these fees include excise duty? +

Yes. Safaricom publishes customer charges with applicable taxes already included. Limits on this page: Ksh 250,000 per transaction, Ksh 500,000 max balance and daily limit. Tariffs change — this is not an official Safaricom tool.

Related calculators

🧮

PAYE Calculator

Calculate your Kenyan net pay, PAYE tax, NSSF, SHIF and Housing Levy from gross or net salary — updated for the latest KRA rates.
⚖️

Court Fees Calculator

Estimate Kenyan court filing fees from the Judiciary assessment schedule — High Court, Magistrates, Kadhi’s, ELC and Tribunals.
🧾

VAT Calculator

Add Kenya’s standard 16% VAT to a net price, or extract VAT from a VAT-inclusive amount.