Mpesa Charges Calculator 2026

Safaricom charges remain banded by amount. Send Money to registered users is free for KES 1-KES 100, then increases by band up to KES 108 for KES 20,001-250,000. Withdrawals and Paybill tariffs follow their own bands, with all totals inclusive of excise, so always check the exact band before you transact.

Sending KES 2,500 to a registered M-PESA user falls in the KES 1,501-2,500 band, which is KES 33. Your total cost is KES 2,533, and the recipient receives KES 2,500.

Customers are typically charged KES 0 for Buy Goods (Till). Merchants pay a fee (0.5% standard rate, capped at KES 200, with a lower 0.25% rate below KES 200). Some merchants may pass on fees, so confirm before paying.

Agent withdrawals are banded from KES 11 (KES 50-100) up to KES 309 (KES 50,001-250,000). The fee is deducted from your wallet, so your net cash is the withdrawal amount minus the fee.

ATM withdrawals are banded: KES 35 (KES 200-2,500), KES 69 (KES 2,501-5,000), KES 115 (KES 5,001-10,000), and KES 203 (KES 10,001-35,000). The ATM max per transaction is KES 35,000.

Fuliza charges a 1.2% access fee (inclusive of excise) and a daily maintenance fee by band. Loans of KES 1,000 or less have the first 3 days of daily fees waived; daily fees apply from day 4.

Stay within free bands (KES 1-KES 100 for registered sends), use Buy Goods where customer fees are free, and choose agent vs ATM based on the lower fee for your band. Consolidating transactions can also reduce total fees.

Max per transaction is KES 250,000, daily limit is KES 500,000, and wallet balance cap is KES 500,000. Use the limits checker to see remaining room before sending or receiving.

The minimum agent withdrawal is KES 50, and the minimum ATM withdrawal is KES 200.

Withdrawing KES 10,000 from an agent falls in the KES 7,501-10,000 band, which is KES 115.

The maximum total ATM withdrawal per day is KES 35,000.

No. Cross-network transfers are harmonized to the same bands as M-PESA to M-PESA transfers.

No. Transfers to unregistered users have been disabled since February 5, 2024 for fraud prevention.

Use M-PESA's reversal option in the app or dial 456, then follow the prompts. Provide the transaction details quickly to improve reversal success.

Check your Fuliza limit via *334# and borrow directly from the M-PESA menu. For longer-term credit, use M-Shwari or KCB M-PESA; fees, limits, and repayment timelines differ by product.