M-PESA gives you two practical ways to convert wallet balance into physical cash: through an agent outlet or through an ATM. Most people default to agents because the fees are usually lower, but ATMs still offer one major convenience advantage: they can be available around the clock without agent queues or float shortages.

As of 2026, Safaricom has not published a new ATM-specific charge structure beyond the tariff already in use. All fees shown on this page are total charges inclusive of excise duty, which means the amount shown on the confirmation screen is the practical fee you should expect.

ATM Withdrawal Calculator

Enter the amount you want to withdraw at an ATM and get the current withdrawal fee instantly.

Amount to Withdraw (KES)

Calculate ATM Fee

ATM withdrawals start at KES 200 and go up to KES 35,000 per transaction.

ATM Fee KES --

Enter an amount above to calculate the current ATM withdrawal charge.

How M-PESA ATM Withdrawal Works

The public M-PESA ATM cash-out flow is the cardless withdrawal method built into the M-PESA experience. In normal use, you start on your phone through STK, *334#, the MySafaricom App, or the M-PESA Super App, generate a one-time authorization code, then complete the transaction at a supported ATM.

Method 1 - Cardless ATM Withdrawal (No Card Needed)

This is the main public ATM withdrawal route for ordinary M-PESA users. You do not need a physical bank card or a bank account to use it. The steps are:

1. On your phone, use STK, *334#, the MySafaricom App, or the M-PESA Super App and choose ATM withdrawal.
2. Enter the amount you want to withdraw.
3. Confirm with your M-PESA PIN.
4. You receive an authorization code on your phone.
5. At the ATM, choose the M-PESA or cardless withdrawal option.
6. Enter the authorization code when prompted.
7. Collect your cash and receipt.

The authorization code is time-sensitive, so it is best to complete the ATM step promptly after generating it on your phone. The ATM fee is deducted from your M-PESA balance when the transaction completes. If the code expires or the ATM session times out, you normally need to initiate a fresh ATM-withdrawal request from the phone before trying again.

M-PESA ATM Withdrawal Charges 2026

ATM withdrawal fees use a simpler four-band structure than agent withdrawal. The minimum ATM withdrawal is KES 200 and the maximum single ATM withdrawal publicly shown on the tariff is KES 35,000. For any amount above KES 35,000, ATM withdrawal is not available and you must use an agent.

The structure is flat within each band. That means every amount from KES 200 to KES 2,500 costs KES 35, and every amount from KES 10,001 to KES 35,000 costs KES 203.

The fee is charged in addition to the amount withdrawn. If you withdraw KES 5,000 through the ATM, your wallet is debited KES 5,069 in total: the cash amount plus the ATM fee.

ATM vs Agent

Withdrawing through an ATM is usually more expensive than using an M-PESA agent. The table below shows how the difference looks across common amounts:

The main reason people still use ATMs is convenience, not lower cost. When an agent is open, adequately funded, and nearby, the agent is usually the cheaper cash-out route. ATM cash-out becomes most attractive when you need after-hours access, want to avoid ID presentation at an outlet, or do not want to depend on agent float availability. If you want the full agent side of that comparison too, see the agent withdrawal guide.

ATM Withdrawal Limits 2026

The public M-PESA tariff clearly shows the ATM transaction range from KES 200 to KES 35,000 per withdrawal. For amounts above KES 35,000, the ATM is not an option and you must use an M-PESA agent, where the maximum single withdrawal is much higher. For the wider rule set across wallet ceilings and transaction caps, see the M-PESA transaction limits guide.

In practice, ATM operators or specific machines may impose additional restrictions, so always check what the ATM screen shows before confirming a large cash-out.

Frequently Asked Questions

What is the M-Pesa withdrawal charges for 2026?

On the current M-PESA ATM tariff, fees are KES 35, KES 69, KES 115, or KES 203 depending on the withdrawal band. The minimum ATM cash-out is KES 200 and the public single-transaction ceiling is KES 35,000, so the whole ATM tariff fits into just four fee bands.

How much does it cost to withdraw Ksh 20,000?

A KES 20,000 ATM withdrawal falls in the KES 10,001-35,000 band and currently costs KES 203. That means the wallet is debited KES 20,203 in total while the cash you physically receive remains the full KES 20,000.

How much is ATM withdrawal fee in Kenya?

For M-PESA ATM cash-out, the current public fee range runs from KES 35 at the lowest ATM band to KES 203 at the highest one. The exact fee depends entirely on the withdrawal band, not on which bank owns the machine, although machine availability and restrictions can still vary by ATM.

How much are ATM withdrawal charges?

The publicly shown M-PESA ATM tariff uses four bands: KES 35, KES 69, KES 115, and KES 203. This is simpler than the broader agent tariff and makes ATM cash-out easy to estimate once you know the amount band.

How much to withdraw 2500?

Withdrawing KES 2,500 from an ATM using M-PESA currently costs KES 35 because it falls in the KES 200-2,500 band. The total wallet deduction would therefore be KES 2,535.

How much amount can we withdraw from ATM in 1 day?

The public tariff clearly states the single ATM transaction range of KES 200 to KES 35,000. In practice, ATM or channel-level usage limits beyond that can vary, so the safest rule is to confirm what the ATM and M-PESA flow show at the time of withdrawal rather than assume every machine will behave the same way all day.

Can I withdraw M-Pesa from an ATM machine?

Yes. Registered M-PESA users can withdraw from supported ATMs through the cardless M-PESA ATM withdrawal flow by generating an authorization code on the phone first and then completing the transaction at the ATM. This is the normal public ATM route and does not require opening a bank account first.

What is the maximum withdrawal from an ATM?

The standard public M-PESA ATM single-withdrawal ceiling is KES 35,000. If you need more than that in one transaction, you must move to an M-PESA agent, where the maximum single withdrawal range is much higher.

What are the new charges for ATM withdrawal?

The currently published M-PESA ATM withdrawal structure still uses the same four-band public tariff of KES 35, KES 69, KES 115, and KES 203. If Safaricom updates that structure later, the confirmation screen shown before PIN entry remains the final amount for the live transaction.

How much does Safaricom charge for withdrawals?

Safaricom withdrawal charges depend on the withdrawal channel and amount. On the ATM tariff, current fees range from KES 35 to KES 203, while agent withdrawal uses a separate tariff with more fee bands and a higher transaction ceiling.