M-PESA Transaction Cost 2025
Check current M-PESA transaction costs for withdrawals, transfers, and payments in Kenya. Compare agent vs ATM fees and discover the most affordable way to manage your mobile money.
Latest Update (June 2025): Updated with current M-PESA withdrawal charges and fees for 2025.
Withdrawal Fee
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Total Amount Deducted
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M-PESA Agent Transaction Costs 2025
The table below shows the current M-PESA transaction costs for cash withdrawals at agents across Kenya. These standard fees apply to all Safaricom M-PESA agents, with costs ranging from KES 11 to KES 309 based on the transaction amount.
Key Points:
- Minimum withdrawal: KES 50
- Maximum withdrawal: KES 150,000 per transaction
- No charges for amounts below KES 50
- Standardized fees across all M-PESA agents
| Amount Range (KES) | Fee (KES) |
|---|---|
| 50 - 100 | 11 |
| 101 - 500 | 29 |
| 501 - 1,000 | 29 |
| 1,001 - 1,500 | 29 |
| 1,501 - 2,500 | 29 |
| 2,501 - 3,500 | 52 |
| 3,501 - 5,000 | 69 |
| 5,001 - 7,500 | 87 |
| 7,501 - 10,000 | 115 |
| 10,001 - 15,000 | 167 |
| 15,001 - 20,000 | 185 |
| 20,001 - 35,000 | 197 |
| 35,001 - 50,000 | 278 |
| 50,001 - 250,000 | 309 |
M-PESA ATM Transaction Costs 2025
The following table outlines M-PESA transaction costs for ATM withdrawals in Kenya. These fees are charged by Safaricom and are separate from any additional charges that may be applied by your bank. While ATM transactions have a higher minimum amount, they offer 24/7 convenience.
Key Points:
- Minimum withdrawal: KES 200
- Maximum withdrawal: KES 35,000 per transaction
- Additional bank charges may apply
- Available 24/7 at all major bank ATMs
| Amount Range (KES) | Fee (KES) |
|---|---|
| 200 - 2,500 | 35 |
| 2,501 - 5,000 | 69 |
| 5,001 - 10,000 | 115 |
| 10,001 - 35,000 | 203 |
Tips to Reduce M-PESA Withdrawal Fees
- Withdraw larger amounts less frequently - The fee per shilling decreases with larger withdrawals.
- Use M-PESA Paybill for payments - Many businesses accept direct M-PESA payments which often have lower fees than cash withdrawals.
- Consider bank transfers for large amounts - For amounts over KES 35,000, a bank transfer might be more cost-effective than multiple withdrawals.
- Use M-PESA for purchases - Many merchants now accept M-PESA payments directly, eliminating the need to withdraw cash.
- Check for fee promotions - Safaricom occasionally offers reduced or zero-fee withdrawal promotions.
Need to withdraw large amounts frequently?
If you regularly need to withdraw large sums, consider opening a bank account with a bank that offers free or low-cost transfers from M-PESA to your account, then use your debit card for purchases or ATM withdrawals.
💡 Did You Know?
M-PESA withdrawal fees are regulated by the Central Bank of Kenya. The current fee structure was last updated in January 2025 and is valid until further notice.
Understanding M-PESA Transaction Costs
M-PESA transaction costs vary based on the type of transaction, amount, and service used. Below are the current rates and tips to help you minimize your transaction expenses.
Tips to Reduce Your M-PESA Transaction Costs
For Everyone
- Withdraw larger amounts less frequently - The fee per shilling decreases with larger transactions.
- Use M-PESA Paybill for payments - Many businesses accept direct M-PESA payments with lower fees than cash withdrawals.
- Make purchases directly with M-PESA - Many merchants now accept M-PESA payments, eliminating the need for cash.
- Watch for fee promotions - Safaricom occasionally offers reduced or zero-fee withdrawal promotions.
For Businesses & Frequent Users
- Consider bank transfers for large amounts - For amounts over KES 35,000, a bank transfer might be more cost-effective than multiple withdrawals.
- Open a bank account with M-PESA integration - Some banks offer free or low-cost transfers from M-PESA to your account.
- Use M-PESA Business Till - For businesses, this offers better rates and transaction management.
- Compare agent vs ATM fees - Use our calculator above to find the most cost-effective option for your needs.
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