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 50,000 to a registered M-PESA user costs KSh 108. Withdrawing it from an agent costs KSh 278. Sending and cashing out costs about KSh 386 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 108 | KSh 50,108 |
| Send to unregistered user | KSh 340 | KSh 50,340 |
| Withdraw from an agent | KSh 278 | KSh 50,278 |
| Withdraw from an ATM | KSh 203 | KSh 50,203 |
| Pochi la Biashara | KSh 50.00 | KSh 50,050.00 |
| Pay at a fuel station till | KSh 200.00 | KSh 50,200.00 |
| Pay at a retail Buy Goods till | KSh 0 | KSh 50,000 |
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 50,000 to a registered M-PESA user costs KSh 108, so you need KSh 50,108 in your account. To an unregistered number the charge is KSh 340.
Withdrawing KSh 50,000 from an M-PESA agent costs KSh 278. At an ATM it costs KSh 203.
The sender pays KSh 108 and the recipient pays KSh 278 to withdraw at an agent, about KSh 386 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.