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New M-Pesa Withdrawal and Sending Charges (2025-2026)

M-Pesa, Kenya’s leading mobile money transfer service, continues to facilitate secure and convenient transactions nationwide and globally. The service has revised its withdrawal and sending charges for 2025-2026, ensuring affordability and financial inclusivity.

This guide outlines the updated charges for withdrawals, transfers, and special services like Pochi La Biashara and transactions with other networks.


1. M-Pesa Withdrawal Charges (2025)

Transaction Range (KES)Charges (KES)
1 – 49Free
50 – 10011
101 – 50029
501 – 1,00029
1,001 – 1,50029
1,501 – 2,50029
2,501 – 3,50052
3,501 – 5,00069
5,001 – 7,50087
7,501 – 10,000115
10,001 – 15,000167
15,001 – 20,000185
20,001 – 35,000197
35,001 – 50,000278
50,001 – 250,000309

2. M-Pesa Transfer Charges (Registered Users)

Transaction Range (KES)Charges (KES)
1 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

3. Pochi La Biashara Charges

Transaction Range (KES)Charges (KES)
1 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

4. M-Pesa Transfer Charges to Other Networks (Telkom & Airtel)

Transaction Range (KES)Charges (KES)
1 – 49Free
50 – 100Free
101 – 5007
501 – 1,00013
1,001 – 1,50023
1,501 – 2,50033
2,501 – 3,50053
3,501 – 5,00057
5,001 – 7,50078
7,501 – 10,00090
10,001 – 15,000100
15,001 – 20,000105
20,001 – 35,000108
35,001 – 50,000108
50,001 – 250,000108

5. M-Pesa Transfer Charges to Unregistered Users

Transaction Range (KES)Charges (KES)
1 – 49N/A
50 – 100N/A
101 – 50047
501 – 1,00051
1,001 – 1,50061
1,501 – 2,50076
2,501 – 3,500115
3,501 – 5,000139
5,001 – 7,500171
7,501 – 10,000211
10,001 – 15,000273
15,001 – 20,000296
20,001 – 35,000309
35,001 – 50,000318
50,001 – 250,000318

6. M-Pesa ATM Withdrawal Charges

Transaction Range (KES)Charges (KES)
200 – 2,50035
2,501 – 5,00069
5,001 – 10,000115
10,001 – 35,000203

Important Notes for Users

  1. Maximum Limits:
    • Daily Transaction Limit: KES 500,000
    • Per Transaction Limit: KES 250,000
    • Maximum Account Balance: KES 500,000
  2. Minimum Withdrawal Amount: KES 50 (at M-Pesa agent outlets).
  3. Reversals: To reverse a transaction, forward the confirmation message to 456.
  4. Bonga Points: Earn points for every M-Pesa transaction.

Conclusion

M-Pesa continues to redefine convenience in mobile money transactions. With updated charges for 2025-2026, it is vital for users to understand these fees for efficient planning and budgeting. Whether sending money, withdrawing cash, or utilizing services like Pochi La Biashara, M-Pesa remains an indispensable tool for millions across Kenya.

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