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M-PESA Charges 2026: Full Guide to Send, Withdraw, Till & Paybill Fees

6 min read · Updated 15 October 2026 · More banking & mobile money

M-PESA is Kenya's most widely used mobile money service. Fees vary by transaction type and by the amount involved, so it helps to know the exact tariff before you transact.

This guide brings the main 2026 M-PESA charges together in one place: sending money, withdrawing cash at an agent, ATM withdrawals, Pochi la Biashara, Buy Goods (Till) and Paybill.

M-PESA send money charges (registered users)

Sending money to another registered M-PESA user attracts the standard transfer fee. Amounts from KSh 1 to KSh 100 are free.

Amount sent	Fee
1 – 100	Free (KSh 0)
101 – 500	KSh 7
501 – 1,000	KSh 13
1,001 – 1,500	KSh 23
1,501 – 2,500	KSh 33
2,501 – 3,500	KSh 52
3,501 – 5,000	KSh 57
5,001 – 7,500	KSh 78
7,501 – 10,000	KSh 90
10,001 – 15,000	KSh 100
15,001 – 20,000	KSh 105
20,001 – 250,000	KSh 108

M-PESA agent withdrawal charges

Withdrawing cash at an M-PESA agent is charged on the amount withdrawn. Note the amount withdrawn must be at least KSh 50.

Amount withdrawn	Fee
50 – 100	KSh 11
101 – 500	KSh 29
501 – 1,000	KSh 29
1,001 – 1,500	KSh 29
1,501 – 2,500	KSh 29
2,501 – 3,500	KSh 52
3,501 – 5,000	KSh 69
5,001 – 7,500	KSh 87
7,501 – 10,000	KSh 115
10,001 – 15,000	KSh 167
15,001 – 20,000	KSh 185
20,001 – 35,000	KSh 197
35,001 – 50,000	KSh 278
50,001 – 250,000	KSh 309

Buy Goods (Till) and Paybill charges

For standard retail, supermarket and restaurant 'Buy Goods' payments, the customer pays nothing. The merchant absorbs a small collection fee, which is typically around 0.55%.

Paybill payments are generally free for the customer, while the receiving business pays a collection charge based on its agreement with Safaricom.

Buy Goods (retail Till): free for the paying customer.
Fuel station Tills: some oil marketing companies pass the roughly 0.55% processing fee to the customer, capped at around KSh 200.
Paybill: usually free for the customer.

Pochi la Biashara fees

Pochi la Biashara is a wallet for small businesses that separates business money from personal funds. Charges are simplified: amounts up to KSh 200 are free, KSh 201 to KSh 500 cost KSh 7, and larger amounts are charged about 0.55% capped at KSh 50.

M-PESA limits you should know

Maximum per transaction: KSh 250,000.
Maximum account balance: KSh 500,000.
Daily transaction limit: KSh 500,000.

Good to know: Limits and tariffs are set by Safaricom and regulated by the Central Bank of Kenya. Confirm current rates before large transactions.

How to avoid unnecessary M-PESA fees

When someone needs cash, send the amount plus the agent withdrawal fee so they receive the full amount you intended.
Use Buy Goods (Till) or Paybill where accepted, since these are typically free for the payer.
Keep transfers below KSh 20,000 per transaction where practical to stay on lower fee tiers.
Business owners can use Pochi la Biashara to keep fees predictable and separate business income.

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