M-Pesa, Safaricom’s mobile money service, remains an essential tool for millions of Kenyans, facilitating seamless money transfers, withdrawals, and payments. As we step into 2025, understanding the latest M-Pesa charges is crucial for managing your finances effectively.
This guide provides a detailed breakdown of the updated M-Pesa tariffs, transaction limits, and additional services, empowering users to make informed decisions.
Why Understanding M-Pesa Charges is Important
- Cost Management: Helps individuals and businesses minimize transaction costs.
- Efficiency: Knowing charges for specific transaction types ensures smooth planning for personal or business finances.
- Transparency: Being informed prevents surprises when using the service.
Updated M-Pesa Transaction Tariffs (2025)
1. Sending Money to M-Pesa Users
Sending money to registered M-Pesa users remains one of the most common transactions. The charges depend on the amount sent.
| Transaction Range (KShs) | Transfer to M-Pesa Users | Pochi la Biashara/Business Till to Customer |
|---|---|---|
| 1 – 49 | Free | Free |
| 50 – 100 | Free | Free |
| 101 – 500 | 7 KShs | 7 KShs |
| 501 – 1,000 | 13 KShs | 13 KShs |
| 1,001 – 1,500 | 23 KShs | 23 KShs |
| 1,501 – 2,500 | 33 KShs | 33 KShs |
| 2,501 – 3,500 | 53 KShs | 53 KShs |
| 3,501 – 5,000 | 57 KShs | 57 KShs |
| 5,001 – 7,500 | 78 KShs | 78 KShs |
| 7,501 – 10,000 | 90 KShs | 90 KShs |
| 10,001 – 15,000 | 100 KShs | 100 KShs |
| 15,001 – 20,000 | 105 KShs | 105 KShs |
| 20,001 – 35,000 | 108 KShs | 108 KShs |
| 35,001 – 50,000 | 108 KShs | 108 KShs |
| 50,001 – 250,000 | 108 KShs | 108 KShs |
2. Withdrawing Money from M-Pesa Agents
The withdrawal charges vary by amount and are a crucial aspect for anyone accessing physical cash.
| Transaction Range (KShs) | Withdrawal from M-Pesa Agent (KShs) |
|---|---|
| 1 – 49 | Not Applicable |
| 50 – 100 | 11 KShs |
| 101 – 500 | 29 KShs |
| 501 – 1,000 | 29 KShs |
| 1,001 – 1,500 | 29 KShs |
| 1,501 – 2,500 | 29 KShs |
| 2,501 – 3,500 | 52 KShs |
| 3,501 – 5,000 | 69 KShs |
| 5,001 – 7,500 | 87 KShs |
| 7,501 – 10,000 | 115 KShs |
| 10,001 – 15,000 | 167 KShs |
| 15,001 – 20,000 | 185 KShs |
| 20,001 – 35,000 | 197 KShs |
| 35,001 – 50,000 | 278 KShs |
| 50,001 – 250,000 | 309 KShs |
3. ATM Withdrawal Tariff
ATM withdrawals are available for those who prefer this option, with charges based on transaction amounts.
| Transaction Range (KShs) | ATM Withdrawal Charges (KShs) |
|---|---|
| 200 – 2,500 | 35 |
| 2,501 – 5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001 – 35,000 | 203 |
4. Free Services
M-Pesa offers several services at no cost, making it a reliable and affordable option for users.
- Deposits
- M-Pesa Registration
- Buying Airtime
- Balance Inquiry
- PIN Change
Key Transaction Limits
Understanding M-Pesa limits is vital to avoid transaction failures.
- Maximum Account Balance: KShs 500,000
- Maximum Daily Transaction Value: KShs 500,000
- Maximum Amount per Transaction: KShs 250,000
- Minimum Withdrawal Amount: KShs 50
Additional Services and Guidelines
- Self-Reversal: Send the transaction confirmation to 456 for self-reversal.
- Deposits to Other M-Pesa Accounts: Direct deposits into another user’s account at an agent outlet are not allowed.
- Registration Documentation: Only Kenyan Passports and National IDs are accepted at agent outlets, with broader options available at Safaricom shops.
Frequently Asked Questions (FAQs)
Q: Are deposits to M-Pesa free?
Yes, depositing money into your M-Pesa account is free.
Q: Can I use a foreign passport for registration?
Foreign passports can only be used at Safaricom shops or care desks.
Q: What happens if I cannot repay my Fuliza or overdraft on time?
Timely repayments are crucial to avoid penalties and maintain your credit score.
Make the Most of M-Pesa in 2025!
Stay informed, plan your transactions wisely, and leverage the benefits of M-Pesa to manage your personal and business finances. For inquiries or further assistance, reach out to Safaricom’s customer care via:
- Dial: 100 (PrePay) or 200 (PostPay)
- Email: customercare@safaricom.co.ke
- WhatsApp: 0722 000100
