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 5,000 (2026)
Sending KSh 5,000 to a registered M-PESA user costs KSh 57. Withdrawing it from an agent costs KSh 69. Sending and cashing out costs about KSh 126 in total.
Figures last updated . Based on the Safaricom M-PESA tariff table in our calculator.
All M-PESA charges for KSh 5,000
| Transaction | Fee | Balance needed |
|---|---|---|
| Send to registered M-PESA user | KSh 57 | KSh 5,057 |
| Send to unregistered user | KSh 185 | KSh 5,185 |
| Withdraw from an agent | KSh 69 | KSh 5,069 |
| Withdraw from an ATM | KSh 69 | KSh 5,069 |
| Pochi la Biashara | KSh 27.50 | KSh 5,027.50 |
| Pay at a fuel station till | KSh 27.50 | KSh 5,027.50 |
| Pay at a retail Buy Goods till | KSh 0 | KSh 5,000 |
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 5,000 M-PESA charges FAQs
How much does it cost to send KSh 5,000 on M-PESA?
Sending KSh 5,000 to a registered M-PESA user costs KSh 57, so you need KSh 5,057 in your account. To an unregistered number the charge is KSh 185.
What is the M-PESA withdrawal charge for KSh 5,000?
Withdrawing KSh 5,000 from an M-PESA agent costs KSh 69. At an ATM it costs KSh 69.
What is the total cost to send KSh 5,000 and have it cashed out?
The sender pays KSh 57 and the recipient pays KSh 69 to withdraw at an agent, about KSh 126 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.