As the use of cashless transactions continues to surge, Safaricom has announced updated M-Pesa charges for sending and withdrawing money.
The new 2025 charges will see customers using M-Pesa services transact up to Sh500,000 daily. According to the telco, the maximum amount that can be sent in one transaction is Ksh250,000.
Below is the full breakdown of M-Pesa charges:
| Amount to Send | To Safaricom (Fees) | To Airtel/Telkom (Fees) |
| Ksh1 – Ksh49 | Free | Free |
| Ksh50 – Ksh100 | Free | Free |
| Ksh101 – Ksh500 | Ksh7 | Ksh7 |
| Ksh501 – Ksh1,000 | Ksh13 | Ksh13 |
| Ksh1,001 – Ksh1,500 | Ksh23 | Ksh23 |
| Ksh1,501 – Ksh2,500 | Ksh33 | Ksh33 |
| Ksh2,501 – Ksh3,500 | Ksh53 | Ksh53 |
| Ksh3,501 – Ksh5,000 | Ksh57 | Ksh57 |
| Ksh5,001 – Ksh7,500 | Ksh78 | Ksh78 |
| Ksh7,501 – Ksh10,000 | Ksh90 | Ksh90 |
| Ksh10,001 – Ksh15,000 | Ksh100 | Ksh100 |
| Ksh15,001 – Ksh20,000 | Ksh105 | Ksh105 |
| Ksh20,001 – Ksh35,000 | Ksh108 | Ksh108 |
| Ksh35,001 – Ksh50,000 | Ksh108 | Ksh108 |
| Ksh50,001 – Ksh250,000 | Ksh108 | Ksh108 |
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Withdrawal Charges
Withdrawal charges are higher than sending fees. For instance, withdrawing Ksh1,000 costs Ksh29, compared to the Ksh13 sending fee. Below is a summary of the withdrawal fees:
| Withdrawal Amount | Withdrawal Charges |
| Ksh1 – Ksh49 | N/A |
| Ksh50 – Ksh100 | Ksh11 |
| Ksh101 – Ksh500 | Ksh29 |
| Ksh501 – Ksh1,000 | Ksh29 |
| Ksh1,001 – Ksh1,500 | Ksh29 |
| Ksh1,501 – Ksh2,500 | Ksh29 |
| Ksh2,501 – Ksh3,500 | Ksh52 |
| Ksh3,501 – Ksh5,000 | Ksh69 |
| Ksh5,001 – Ksh7,500 | Ksh87 |
| Ksh7,501 – Ksh10,000 | Ksh115 |
| Ksh10,001 – Ksh15,000 | Ksh167 |
| Ksh15,001 – Ksh20,000 | Ksh185 |
| Ksh20,001 – Ksh35,000 | Ksh197 |
| Ksh35,001 – Ksh50,000 | Ksh278 |
| Ksh50,001 – Ksh250,000 | Ksh309 |
The maximum withdrawal amount per transaction is Ksh250,000, while withdrawals below Ksh50 are not permitted.
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