M-PESA Agent Withdraw Charges 2026

M-PESA agent withdrawal is one of the most convenient ways to access your mobile money in Kenya. This comprehensive guide covers everything you need to know about agent withdrawal charges, limits, and how to withdraw cash efficiently in 2026.

What is M-PESA Agent Withdrawal?

M-PESA agent withdrawal allows you to convert your mobile money into physical cash by visiting any authorized M-PESA agent across Kenya. With over 200,000 agents nationwide, you can access your money conveniently at any time.

Unlike ATM withdrawals, agent withdrawals don't require a bank card. You only need your phone, the agent number, and a valid ID for transactions above KES --. This makes it accessible to everyone with an M-PESA account.

How M-PESA Agent Withdrawal Works

The agent withdrawal process is simple and secure. Here's how it works:

1. Visit an M-PESA Agent: Look for shops displaying the M-PESA logo or green signage.
2. Initiate Withdrawal: Tell the agent how much you want to withdraw.
3. Withdraw Cash to Agent: Use the "Withdraw Cash" option and enter the agent number.
4. Provide ID (if required): For amounts above KES --, you'll need to show your national ID or passport.
5. Receive Cash: The agent counts and gives you the cash after confirming the transaction.
6. Get Confirmation: You'll receive an SMS confirming the withdrawal and showing the charge deducted.

Understanding Agent Withdrawal Charges

M-PESA agent withdrawal charges are structured in bands based on the amount you're withdrawing. The fees range from KES -- for small amounts (--) to KES -- for larger withdrawals (--).

Key points about withdrawal charges:

• Charges are deducted from your M-PESA balance, not from the withdrawal amount
• The fee structure is the same across all M-PESA agents in Kenya
• Charges are set by Safaricom and reviewed periodically
• You'll always see the charge before confirming the transaction

How to Withdraw Money from M-PESA Agent

Method 1: Via USSD Code (*334#)

1. Dial *334# on your phone
2. Select "Withdraw Cash"
3. Choose "Agent"
4. Enter the agent number
5. Enter the amount you want to withdraw
6. Enter your M-PESA PIN
7. Confirm the transaction
8. Collect your cash from the agent

Method 2: Via M-PESA App

1. Open the M-PESA App on your smartphone
2. Tap "Withdraw Cash"
3. Select "Agent" or scan the agent's QR code
4. Enter the agent number
5. Enter the amount to withdraw
6. Enter your M-PESA PIN
7. Confirm and collect your cash

Method 3: Via MySafaricom App

1. Open the MySafaricom App
2. Navigate to M-PESA services
3. Select "Withdraw Cash"
4. Choose "Agent Withdrawal"
5. Enter agent details and amount
6. Confirm with your PIN

Agent Withdrawal vs ATM Withdrawal

Both methods have their advantages. Here's a comparison to help you choose:

Agent Withdrawal Advantages:

• No bank card required - just your phone
• More locations available (200,000+ agents)
• Longer operating hours (many agents open late)
• Personal service and assistance available
• Can withdraw small amounts (from KES --)

ATM Withdrawal Advantages:

• Generally lower fees for large amounts
• 24/7 availability at some locations
• More privacy during transactions
• No need to interact with anyone

Tips to Minimize Withdrawal Charges

1. Withdraw Larger Amounts Less Frequently

Instead of making multiple small withdrawals, plan ahead and withdraw larger amounts. For example, withdrawing KES -- once costs KES --, while withdrawing KES -- five times costs KES --.

2. Compare with ATM Charges

For withdrawals above KES 10,000, check if using an M-PESA-linked ATM card would be cheaper. Some banks offer lower withdrawal fees for larger amounts.

3. Plan Your Cash Needs

Estimate your weekly or monthly cash requirements and make fewer, larger withdrawals instead of daily small ones.

4. Use Agent Withdrawals for Convenience

While ATMs might be cheaper for large amounts, agents are more convenient for small, urgent withdrawals and are available in more locations.

5. Check Agent Float Availability

Before initiating a large withdrawal, confirm the agent has enough cash. This saves you from paying charges for a failed transaction.

Important Things to Remember

• Always verify the agent: Ensure they're authorized by checking for official M-PESA branding
• Count your money: Always count the cash before leaving the agent's premises
• Keep your PIN secret: Never share your M-PESA PIN with anyone, including the agent
• Check your balance: Confirm you have sufficient balance plus the withdrawal charge
• Save confirmation SMS: Keep the transaction message for your records
• Report issues immediately: Contact Safaricom on 234 if you encounter any problems