Kenya Finance CalculatorAvoid Withdrawal Shock
When sending money to a vendor or relative who needs to withdraw cash at an agent, always send the principal plus the withdrawal fee so they get the full intended amount.
Mobile money
Safaricom M-PESA Charges & Tariff Calculator
Instantly look up official Safaricom transaction fees for sending money, agent withdrawals, Pochi la Biashara, and ATM cash outs.
Official Safaricom M-PESA Tariff Highlights
Rates include statutory 20% Excise Duty as regulated by the Central Bank of Kenya.
| Income Band / Category | Rate / Limit | Notes |
|---|---|---|
| KSh 1 – 100 | Free (KSh 0) | Free to registered users |
| KSh 101 – 500 | KSh 7 Send / KSh 29 Withdraw | Standard mobile transfer tier |
| KSh 501 – 1,000 | KSh 13 Send / KSh 29 Withdraw | Standard mobile transfer tier |
| KSh 1,001 – 2,500 | KSh 23–33 Send / KSh 29 Withdraw | Standard mobile transfer tier |
| KSh 2,501 – 5,000 | KSh 52–57 Send / KSh 52–69 Withdraw | Standard mobile transfer tier |
| KSh 10,001 – 20,000 | KSh 100–105 Send / KSh 167–185 Withdraw | Standard mobile transfer tier |
| KSh 20,001 – 250,000 | KSh 108 Send / KSh 197–309 Withdraw | High-value transaction tier (KSh 250k max per tx) |
Pochi vs Personal Send
Pochi la Biashara allows small business owners to separate business income from personal funds with simplified MSME collection fee caps.
Quick Answers
M-PESA Tariff FAQs
Is sending money below KSh 100 on M-PESA free?
Yes, sending amounts between KSh 1 and KSh 100 to registered M-PESA users is free of charge (KSh 0).
What is the maximum M-PESA limit per transaction?
The maximum limit for a single M-PESA transaction is KSh 250,000, while the maximum account balance and daily transaction limit is KSh 500,000 as regulated by the Central Bank of Kenya (CBK).
Are Lipa na M-PESA (Buy Goods) payments free for customers?
For standard retail stores, supermarkets, and restaurants, Buy Goods is 100% free for the paying customer. The merchant absorbs the 0.55% collection fee.
Why am I charged a fee when paying for fuel at petrol stations?
Petrol stations in Kenya operate on strict profit margins capped by the Energy and Petroleum Regulatory Authority (EPRA). Because fuel retailers cannot absorb the 0.55% merchant fee within regulated pump prices, oil marketing companies (Rubis, TotalEnergies, Shell, Ola) are legally permitted to pass the ~0.55% processing surcharge to the customer.
How do I calculate agent withdrawal fees before sending money?
Use our calculator to look up the exact agent withdrawal fee for your target amount, then add that fee to your transfer so the recipient withdraws the exact net cash needed.
August 2026
Calculators are for planning and estimation only. Verify final tax, payroll, loan, investment or property figures with the relevant institution or adviser.