Cash Withdrawal Fees for 4,000 KES (2025 Revised) #
Ksh 69 on Ksh 4,000 works out to 1.7% of the withdrawal. The fee comes out of your M-PESA wallet — you hand over Ksh 4,000 and walk away with Ksh 3,931 in cash.
For Ksh 4,000, 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 4,000? #
Sending Insight? #
It costs 57 KES to send 4,000 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 4,000 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 4,000 KES? #
Withdrawal from an agent for 4,000 KES costs 69 KES. Ensure your wallet balance is at least 4,069 KES before visiting an agent.
Is it cheaper to withdraw 4,000 from an ATM? #
ATM withdrawals typically cost Ksh 35. At Ksh 69 for Ksh 4,000, 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.
