October 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
Sending KSh 2,000 to a registered M-PESA user costs KSh 33. Withdrawing it from an agent costs KSh 29. Sending and cashing out costs about KSh 62 in total.
Figures last updated . Based on the Safaricom M-PESA tariff table in our calculator.
| Transaction | Fee | Balance needed |
|---|---|---|
| Send to registered M-PESA user | KSh 33 | KSh 2,033 |
| Send to unregistered user | KSh 118 | KSh 2,118 |
| Withdraw from an agent | KSh 29 | KSh 2,029 |
| Withdraw from an ATM | KSh 35 | KSh 2,035 |
| Pochi la Biashara | KSh 11.00 | KSh 2,011.00 |
| Pay at a fuel station till | KSh 11.00 | KSh 2,011.00 |
| Pay at a retail Buy Goods till | KSh 0 | KSh 2,000 |
Estimates from the tariff table in our M-PESA charges calculator. See the M-PESA charges 2026 guide for the full tariff.
Quick Answers
Sending KSh 2,000 to a registered M-PESA user costs KSh 33, so you need KSh 2,033 in your account. To an unregistered number the charge is KSh 118.
Withdrawing KSh 2,000 from an M-PESA agent costs KSh 29. At an ATM it costs KSh 35.
The sender pays KSh 33 and the recipient pays KSh 29 to withdraw at an agent, about KSh 62 in total fees.
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.
Calculators are for planning and estimation only. Verify final tax, payroll, loan, investment or property figures with the relevant institution or adviser.