M-PESA Transaction Limits 2026
Complete guide to daily & monthly limits
Comprehensive information on mpesa charges and transaction limits including wallet balance, daily limits, per-transaction maximums, and how to increase your limits.
Wallet Balance
Maximum M-PESA balance
Send Money
Per transaction (registered)
Agent Withdraw Min
Minimum withdrawal
ATM Withdraw
Daily limit
Complete M-PESA Transaction Limits Breakdown
All limits for registered M-PESA users (2026)
Send Money Limits
Transfer money to other M-PESA users
| Limit Type | Registered User | Unregistered (disabled) |
|---|---|---|
| Per Transaction | Loading... | Loading... |
| Daily Limit | Loading... | Loading... |
| Monthly Limit | Loading... | Loading... |
| Minimum Amount | Loading... | |
ATM Withdrawal Limits
Withdraw cash from ATMs using M-PESA
| Limit Type | Amount (KES) |
|---|---|
| Per Transaction | Loading... |
| Daily Limit | Loading... |
| Minimum Amount | Loading... |
Frequently Asked Questions
Common questions about M-PESA transaction limits
The maximum M-PESA wallet balance is Loading.... This is the total amount you can hold in your M-PESA account at any given time. Any transaction that would push your balance above this limit will be declined.
The M-PESA daily transaction limit for sending money to registered users is Loading.... This limit resets at midnight daily. Different services have different limits - check the transaction limits table above for complete details.
Registered users can send up to Loading... per transaction. Transfers to unregistered users are currently disabled. Daily limits reset at midnight.
Yes, you can increase limits by completing full KYC registration at a Safaricom shop with your original ID. This upgrades you from unregistered to registered status with higher limits. Business accounts can request even higher limits through Safaricom Business.
Registered users have higher limits and full access to send money and withdraw. Unregistered transfers are currently disabled. Registration requires visiting a Safaricom shop with your ID.
The minimum agent withdrawal is Loading.... Per-transaction and daily limits follow your account limits shown above. Some agents may have lower limits based on available float.
If you exceed your limit, the transaction will be declined and you'll receive an error message. No charges are applied to failed transactions, and your money remains safely in your account. You can retry with a lower amount or wait until the next day when limits reset.
Dial *334# -> select "My Account" -> select "Account Limits" to view your specific transaction limits. You can also check your registration status and see how much of your daily limit you've used.