M-Pesa Charges Calculator (2026 Tariffs)
Check M-Pesa charges for 2026 free: send money, agent withdrawal and ATM fees for any amount, with the full Safaricom tariff table.
KSh 57.00
Sending KSh 5,000.00 costs KSh 57.00 — KSh 5,057.00 leaves your account.
| Amount band (KSh) | Fee |
|---|---|
| 1 – 100 | Free |
| 101 – 500 | KSh 7.00 |
| 501 – 1,000 | KSh 13.00 |
| 1,001 – 1,500 | KSh 23.00 |
| 1,501 – 2,500 | KSh 33.00 |
| 2,501 – 3,500 | KSh 53.00 |
| 3,501 – 5,000 | KSh 57.00 |
| 5,001 – 7,500 | KSh 78.00 |
| 7,501 – 10,000 | KSh 90.00 |
| 10,001 – 15,000 | KSh 100.00 |
| 15,001 – 20,000 | KSh 105.00 |
| 20,001 – 250,000 | KSh 108.00 |
Same tariff applies to M-Pesa, Airtel Money and T-Kash recipients. Tariff as published for 2026; fees include excise duty. Confirm current rates on safaricom.co.ke.
Frequently asked questions
- How much does it cost to send money on M-Pesa?
- Sending KSh 1–100 is free. Fees then rise in bands from KSh 7 (up to KSh 500) to a maximum of KSh 108 for amounts above KSh 20,000. The same tariff applies when sending to Airtel Money and T-Kash.
- Are deposits and Lipa na M-Pesa free?
- Yes — depositing cash at an agent, paying at a Buy Goods till and buying airtime are all free. Charges apply to sending money, withdrawals and Paybill payments.
- Are these the official Safaricom rates?
- The table reflects Safaricom's published 2026 consumer tariff (fees include excise duty). Always confirm current charges on safaricom.co.ke as tariffs can change.