Kenya Finance CalculatorOctober 2026
Calculators are for planning and estimation only. Verify final tax, payroll, loan, investment or property figures with the relevant institution or adviser.
Banking / M-PESA charges by amount
M-PESA Charges for KSh 10,000 (2026)
Sending KSh 10,000 to a registered M-PESA user costs KSh 90. Withdrawing it from an agent costs KSh 115. Sending and cashing out costs about KSh 205 in total.
Figures last updated . Based on the Safaricom M-PESA tariff table in our calculator.
All M-PESA charges for KSh 10,000
| Transaction | Fee | Balance needed |
|---|---|---|
| Send to registered M-PESA user | KSh 90 | KSh 10,090 |
| Send to unregistered user | KSh 245 | KSh 10,245 |
| Withdraw from an agent | KSh 115 | KSh 10,115 |
| Withdraw from an ATM | KSh 115 | KSh 10,115 |
| Pochi la Biashara | KSh 50.00 | KSh 10,050.00 |
| Pay at a fuel station till | KSh 55.00 | KSh 10,055.00 |
| Pay at a retail Buy Goods till | KSh 0 | KSh 10,000 |
Estimates from the tariff table in our M-PESA charges calculator. See the M-PESA charges 2026 guide for the full tariff.
Quick Answers
KSh 10,000 M-PESA charges FAQs
How much does it cost to send KSh 10,000 on M-PESA?
Sending KSh 10,000 to a registered M-PESA user costs KSh 90, so you need KSh 10,090 in your account. To an unregistered number the charge is KSh 245.
What is the M-PESA withdrawal charge for KSh 10,000?
Withdrawing KSh 10,000 from an M-PESA agent costs KSh 115. At an ATM it costs KSh 115.
What is the total cost to send KSh 10,000 and have it cashed out?
The sender pays KSh 90 and the recipient pays KSh 115 to withdraw at an agent, about KSh 205 in total fees.
Are these charges guaranteed?
They follow the Safaricom tariff table used in our calculator and are estimates. Safaricom can change tariffs, so confirm on the M-PESA menu before a large transfer.