M-PESA Send Money Charges Calculator
Calculate the charges for sending money via M-PESA to any mobile money user in Kenya
M-PESA Send Money Charges (2025)
| Transaction Range (KShs) | M-PESA Charge (KSh) |
|---|---|
| 1 - 49 | FREE |
| 50 - 100 | FREE |
| 101 - 500 | 7 |
| 501 - 1,000 | 13 |
| 1,001 - 1,500 | 23 |
| 1,501 - 2,500 | 33 |
| 2,501 - 3,500 | 53 |
| 3,501 - 5,000 | 57 |
| 5,001 - 7,500 | 78 |
| 7,501 - 10,000 | 90 |
| 10,001 - 15,000 | 100 |
| 15,001 - 20,000 | 105 |
| 20,001 - 35,000 | 108 |
| 35,001 - 50,000 | 108 |
| 50,001 - 250,000 | 108 |
About M-PESA Send Money Charges
M-PESA Send Money allows you to transfer money from your M-PESA account to other M-PESA users or to other mobile money networks like Airtel Money and T-Kash. This service is widely used for person-to-person transfers, paying for goods and services, and other financial transactions in Kenya.
How Send Money Charges Work
The charges for M-PESA Send Money transactions are based on the amount being sent. The fee structure is designed to be affordable for both small and large transactions, with a maximum charge of KSh 108 for amounts between KSh 20,001 and KSh 250,000.
Key Features
- Instant Transfers: Money is sent and received instantly, 24/7
- Wide Network: Send to any M-PESA, Airtel Money, or T-Kash user in Kenya
- Secure: All transactions are encrypted and secure
- Convenient: Send money anytime, anywhere using your mobile phone
💡 Pro Tip
For frequent transactions, consider using M-PESA PayBill for business transactions as it offers different tariff options that might be more cost-effective for your needs.
Frequently Asked Questions
What are M-PESA Send Money charges?
These are fees charged when you send money from your M-PESA account to another M-PESA user or to other mobile money networks like Airtel Money and T-Kash.
Are there any free M-PESA Send Money transactions?
Yes, transactions from KSh 1 to KSh 100 are free of charge.
What is the maximum amount I can send via M-PESA?
The maximum amount you can send via M-PESA in a single transaction is KSh 250,000.
Are the charges the same for all mobile money networks?
Yes, the charges are the same whether you are sending to M-PESA, Airtel Money, or T-Kash.
How can I reduce my M-PESA transaction fees?
You can reduce fees by consolidating multiple small transactions into fewer, larger transactions when possible, as the fees are not strictly proportional to the amount sent.