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 100,000 (2026)
Sending KSh 100,000 to a registered M-PESA user costs KSh 108. Withdrawing it from an agent costs KSh 309. Sending and cashing out costs about KSh 417 in total.
Figures last updated . Based on the Safaricom M-PESA tariff table in our calculator.
All M-PESA charges for KSh 100,000
| Transaction | Fee | Balance needed |
|---|---|---|
| Send to registered M-PESA user | KSh 108 | KSh 100,108 |
| Send to unregistered user | KSh 350 | KSh 100,350 |
| Withdraw from an agent | KSh 309 | KSh 100,309 |
| Withdraw from an ATM | KSh 203 | KSh 100,203 |
| Pochi la Biashara | KSh 50.00 | KSh 100,050.00 |
| Pay at a fuel station till | KSh 200.00 | KSh 100,200.00 |
| Pay at a retail Buy Goods till | KSh 0 | KSh 100,000 |
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 100,000 M-PESA charges FAQs
How much does it cost to send KSh 100,000 on M-PESA?
Sending KSh 100,000 to a registered M-PESA user costs KSh 108, so you need KSh 100,108 in your account. To an unregistered number the charge is KSh 350.
What is the M-PESA withdrawal charge for KSh 100,000?
Withdrawing KSh 100,000 from an M-PESA agent costs KSh 309. At an ATM it costs KSh 203.
What is the total cost to send KSh 100,000 and have it cashed out?
The sender pays KSh 108 and the recipient pays KSh 309 to withdraw at an agent, about KSh 417 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.