Check M-Pesa Fees by Amount #
Instantly calculate transaction and withdrawal charges for 2025.
How to Use the M-PESA Calculator #
Ensure you always have enough balance. Use this tool to instantly find exactly how much it costs to send or withdraw any amount.
1️⃣
Enter the amountType the amount you want to send or withdraw into the calculator above.
2️⃣
Get exact chargesInstantly see the official Safaricom fees for registered users, unregistered users, and ATM withdrawals.
3️⃣
Know the total neededThe calculator shows you the total account balance required to complete your transaction successfully.
Official M-PESA Sending Charges Table (2025) #
| Amount (Ksh) | Sending Charge | Total Needed |
|---|---|---|
| 1 - 100 | Free | Same as amount |
| 101 - 500 | Ksh 7 | Amount + Ksh 7 |
| 501 - 1,000 | Ksh 13 | Amount + Ksh 13 |
| 1,001 - 1,500 | Ksh 23 | Amount + Ksh 23 |
| 1,501 - 2,500 | Ksh 33 | Amount + Ksh 33 |
| 2,501 - 3,500 | Ksh 53 | Amount + Ksh 53 |
| 3,501 - 5,000 | Ksh 57 | Amount + Ksh 57 |
| 5,001 - 7,500 | Ksh 78 | Amount + Ksh 78 |
| 7,501 - 10,000 | Ksh 90 | Amount + Ksh 90 |
| 10,001 - 15,000 | Ksh 100 | Amount + Ksh 100 |
| 15,001 - 20,000 | Ksh 105 | Amount + Ksh 105 |
| 20,001 - 250,000 | Ksh 108 | Amount + Ksh 108 |
Common M-PESA Amounts #
100 KES
500 KES
1,000 KES
2,000 KES
3,000 KES
5,000 KES
10,000 KES
15,000 KES
20,000 KES
30,000 KES
50,000 KES
Frequently Asked Questions (2025) #
What is the maximum M-PESA account balance limit? #
As of the latest updates, the maximum account balance limit for a standard M-PESA user is Ksh 500,000.
What is the daily M-PESA transaction limit? #
You can transact up to a maximum of Ksh 500,000 per day. The maximum amount you can send in a single transaction is Ksh 250,000.
Are M-PESA transactions below Ksh 100 free? #
Yes! Sending any amount between Ksh 1 and Ksh 100 to another registered M-PESA user is entirely free of charge.
