Complete List of New Mpesa Withdrawal and Sending Charges in Kenya

As of 2023, Safaricom has revised its Mpesa withdrawal and sending charges to align with the newly imposed excise duties outlined in the Finance Act. Mpesa, launched in 2007 by Vodafone for Safaricom, remains one of the most widely used mobile money transfer services in Kenya. It enables users to send money both locally and globally, offering Kenyans convenient financial services.

Mpesa allows individuals to carry out transactions, store money, and make payments through their mobile phones. To register or transact at an Mpesa agent, a customer must present an original identification document such as a National ID, Passport, Military ID, or Alien ID/Foreigner Certificate. Currently, the daily maximum transaction limit for Mpesa users is Ksh 500,000, with a single transaction limit of Ksh 250,000.

Below is a breakdown of the updated Mpesa withdrawal and transfer charges for 2023:

1. Mpesa Withdrawal Charges (2023)

Transaction Range (Ksh)	Charges (Ksh)
1 – 49	N/A
50 – 100	11
101 – 500	29
501 – 1,000	29
1,001 – 1,500	29
1,501 – 2,500	29
2,501 – 3,500	52
3,501 – 5,000	69
5,001 – 7,500	87
7,500 – 10,000	115
10,001 – 15,000	167
15,001 – 20,000	185
20,001 – 35,000	197
35,001 – 50,000	278
50,001 – 250,000	309

2. Mpesa Transfer Charges for Registered Users (2023)

Transaction Range (Ksh)	Charges (Ksh)
1 – 49	Free
50 – 100	Free
101 – 500	7
501 – 1,000	13
1,001 – 1,500	23
1,501 – 2,500	33
2,501 – 3,500	53
3,501 – 5,000	57
5,001 – 7,500	78
7,500 – 10,000	90
10,001 – 15,000	100
15,001 – 20,000	105
20,001 – 35,000	108
35,001 – 50,000	108
50,001 – 250,000	108

3. Pochi La Biashara Charges (Business-to-Business)

Transaction Range (Ksh)	Charges (Ksh)
1 – 49	Free
50 – 100	Free
101 – 500	7
501 – 1,000	13
1,001 – 1,500	23
1,501 – 2,500	33
2,501 – 3,500	53
3,501 – 5,000	57
5,001 – 7,500	78
7,500 – 10,000	90
10,001 – 15,000	100
15,001 – 20,000	105
20,001 – 35,000	108
35,001 – 50,000	108
50,001 – 250,000	108

4. Mpesa Transfer Charges to Other Mobile Networks (Telkom, Airtel)

Transaction Range (Ksh)	Charges (Ksh)
1 – 49	Free
50 – 100	Free
101 – 500	7
501 – 1,000	13
1,001 – 1,500	23
1,501 – 2,500	33
2,501 – 3,500	53
3,501 – 5,000	57
5,001 – 7,500	78
7,500 – 10,000	90
10,001 – 15,000	100
15,001 – 20,000	105
20,001 – 35,000	108
35,001 – 50,000	108
50,001 – 250,000	108

5. Mpesa Transfer Charges to Unregistered Users

Transaction Range (Ksh)	Charges (Ksh)
1 – 49	N/A
50 – 100	N/A
101 – 500	47
501 – 1,000	51
1,001 – 1,500	61
1,501 – 2,500	76
2,501 – 3,500	115
3,501 – 5,000	139
5,001 – 7,500	171
7,500 – 10,000	211
10,001 – 15,000	273
15,001 – 20,000	296
20,001 – 35,000	309
35,001 – 50,000	318
50,001 – 250,000	318

6. Mpesa ATM Withdrawal Charges

Transaction Range (Ksh)	Charges (Ksh)
200 – 2,500	35
2,501 – 5,000	69
5,001 – 10,000	115
10,001 – 35,000	203

Important Notes:

The maximum balance you can hold in your Mpesa account is Ksh 500,000.
The daily transaction limit is Ksh 500,000.
The maximum per-transaction limit is Ksh 250,000.
Mpesa agent withdrawals must be a minimum of Ksh 50.
To initiate an Mpesa reversal, send the transaction confirmation message to 456.
Transactions on Mpesa earn Bonga points, which can be redeemed for rewards.