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 7,500 to a registered M-PESA user costs KSh 78. Withdrawing it from an agent costs KSh 87. Sending and cashing out costs about KSh 165 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 78 | KSh 7,578 |
| Send to unregistered user | KSh 215 | KSh 7,715 |
| Withdraw from an agent | KSh 87 | KSh 7,587 |
| Withdraw from an ATM | KSh 115 | KSh 7,615 |
| Pochi la Biashara | KSh 41.25 | KSh 7,541.25 |
| Pay at a fuel station till | KSh 41.25 | KSh 7,541.25 |
| Pay at a retail Buy Goods till | KSh 0 | KSh 7,500 |
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 7,500 to a registered M-PESA user costs KSh 78, so you need KSh 7,578 in your account. To an unregistered number the charge is KSh 215.
Withdrawing KSh 7,500 from an M-PESA agent costs KSh 87. At an ATM it costs KSh 115.
The sender pays KSh 78 and the recipient pays KSh 87 to withdraw at an agent, about KSh 165 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.