Mobile Banking

Safaricom Mpesa Charges for Sending Money 2022

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Here are the Mpesa Charges 2022 you can always look up and use when transacting on your mobile phone. The tables below include Mpesa Withdrawal Charges, Sending Charges, and All Mpesa Rates updated in

Nobody likes to partner or transact with businesses that charge a high rate per transaction – especially when it comes to withdrawing and transferring money from your bank account to another bank.

We gather this information to help you to be aware of the charges or rate per transaction that you will likely be charged for when using the Safaricom Mpesa platform.

Luckily, the rate of transaction or let me say the transactional fees are not much and are reasonable. 

Nevertheless, it’s worth knowing so that you know how much you are going to be charged.

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Safaricom’s M-Pesa is one company that has invested so much into changing the mobile banking system in Kenya and making it affordable for everyone living in Kenya.

Although the company updated its rate recently and now you will have to pay more to send or receive payments on your mobile phone, it is still within affordability.

Overview of the Mpesa Charges for Sending Money

Here is a summary or an overview of what’s in these tables. When carrying out transactions on the Safaricom Mpesa, you will be charged the following – depending on the type of transaction you are making:

  • Deposits to personal accounts on Mpesa are free.
  • Fund transfer of Ksh 1- 100 to other MPesa users is completely free.
  • Withdrawals between Ksh. 501 to Ksh 1,000 will attract a fee of Ksh 28 shillings.
  • Fund transfer between KSh. 1501 to Ksh 2500 is 22 Kenyan shillings.
  • Money transfers of between 2501 and 3500 will be charged at Ksh 51 bob.
  • Safaricom will deduct 67 Shillings when you withdraw Ksh 5,000 from your account. And Ksh. 55 when you send above 5000 and below Ksh 10,000
  • Sending Ksh 10 000 shillings attract a charge of Ksh 87 bob while Ksh 20,000 is Ksh 102.
  • Withdrawals of Ksh 20,000 attract a deduction of Ksh 180.

As you can see these charges are what you can overlook. Because it is friendly and doesn’t have any financial impact on you.

Take a look at the full table to see the breakdown. I bet you will be more interested in knowing the charges in between these figures.

Let’s take a good look at the charges by Safaricom Mpesa…

Mpesa Charges for Sending Money

Below are the tables containing the listed charges for sending and withdrawing money on Safaricom M-Pesa.

M-Pesa Withdrawal Charges From Agents

MinimumMaximumM-Pesa Charges (KSHs)
149N/A
5010010
10150027
5011,00028
1,0011,50028
1,5012,50028
2,5013,50050
3,5015,00067
5,0017,50084
7,50110,000112
10,00115,000162
15,00120,000180
20,00135,000191
35,00150,000270
50,001150,000300

Safaricom limits the amount you can withdraw, as seen in the table above. For instance, you cannot withdraw less than KSHs.50 at an M-PESA agent outlet.

Mpesa Charges for Sending Money to Unregistered Users

Minimum KshMaximum KshM-PESA Charges (KSHs)
149N/A
50100N/A
10150045
5011,00049
1,0011,50059
1,5012,50074
2,5013,500112
3,5015,000135
5,0017,500166
7,50110,000205
10,00115,000265
15,00120,000288
20,00135,000309
35,00150,000N/A
50,001150,000N/A

The above is the Mpesa charges for sending money to unregistered users.

Mpesa Charges for Sending Money to Mpesa Users

Minimum KshMaximum KshM-PESA Charges (KSHs)
149Free
50100Free
101500Free
5011,000Free
1,0011,50026
1,5012,50041
2,5013,50056
3,5015,00061
5,0017,50077
7,50110,00087
10,00115,00097
15,00120,000102
20,00135,000105
35,00150,000105
50,001150,000105

Mpesa Charges for ATM Withdrawal

Minimum KshMaximum KshM-PESA Charges(KSHs)
2002,50034
2,5015,00067
5,00110,000112
10,00120,000197

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Oladoyin Falana

Oladoyin Falana, a graduate of OAU, is an SEO Specialist, and IT business developer. He is the owner and content editor of ngjobalerts.com, a platform that focuses on providing information on career, recruitment updates, exams, and admission updates, including general (How-to) information.

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