Safaricom M-Pesa Transaction Fees for 100,000 KES
Ksh 108 on Ksh 100,000 works out to 0.1% of the transfer. Under 1% — one of the cheaper bands in the M-PESA charge table.
At Ksh 100,000, the flat Ksh 108 cap means M-PESA costs a fraction of what a bank transfer would. The per-transaction limit is Ksh 250,000.
Need to withdraw Ksh 100,000?
The recipient will pay Ksh 309 to withdraw this cash at an agent.
Most people only think about the sending fee. But the person receiving Ksh 100,000 will pay Ksh 309 to withdraw the cash at an agent. Access the full withdrawal tariff below.
M-PESA sending charges — full table (2025)
These are Safaricom's current rates for sending to registered M-PESA users and Buy Goods tills. The highlighted row is where Ksh 100,000 falls.
| 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 does it cost to send 100,000 via M-PESA?
Sending Ksh 100,000 costs Ksh 108. You need at least Ksh 100,108 in your wallet. The fee is 0.1% of the transfer value.
What does the recipient pay to withdraw Ksh 100,000?
Withdrawing Ksh 100,000 at an M-PESA agent costs Ksh 309. They receive the full amount you sent; the withdrawal fee is deducted separately from their balance if they cash out.
Is it cheaper to send to a bank account?
Yes. M-PESA to Bank transfers (Send to Bank) are currently free — Ksh 0 charge. However, bank transfers can take longer to reflect and may carry bank-side receiving fees.
Does it cost more to send to Airtel or T-Kash?
No. Since 2025, Safaricom charges the same rate regardless of the recipient's network. For 100,000 KES, the fee remains 108 KES whether you send to Safaricom, Airtel, or Telkom.