Cash Withdrawal Fees for 10,000 KES (2025 Revised) #
Ksh 115 on Ksh 10,000 works out to 1.2% of the withdrawal. One of the cheaper bands in the withdrawal table. You walk away with Ksh 9,885 in cash.
For Ksh 10,000, the M-Pesa withdrawal charge for 10,000 (and similar amounts) is often avoided by paying directly via Lipa na M-Pesa or Buy Goods tills.
Is an ATM cheaper for Ksh 10,000? #
Sending Insight? #
It costs 90 KES to send 10,000 to another user.
M-PESA Withdrawal Charges Chart (2025 Updated) #
This chart reflects the current official Safaricom rates for agent cash-outs across all mobile networks in Kenya. The highlighted row corresponds to 10,000 KES.
| 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 |
Frequently Asked Questions #
How much will I pay to withdraw 10,000 KES? #
Withdrawal from an agent for 10,000 KES costs 115 KES. Ensure your wallet balance is at least 10,115 KES before visiting an agent.
Is it cheaper to withdraw 10,000 from an ATM? #
ATM withdrawals typically cost Ksh 35. At Ksh 115 for Ksh 10,000, an ATM is cheaper — but only if you first do a free M-PESA to bank transfer (which takes up to 24 hours).
Is ATM withdrawal capped? #
Yes. While an agent can facilitate withdrawals of up to 150,000 KES, most ATMs in Kenya are capped at 35,000 KES per transaction via M-PESA.
What is the maximum I can withdraw in a day? #
The daily withdrawal limit across all M-PESA agents is 500,000 KES, subject to individual agent float availability. A single transaction must not exceed 150,000 KES.
