Need to know how much your Mpesa transaction will cost before hitting send? With an Mpesa Charges Calculator, just enter your transfer or withdrawal amount and instantly see both send money and withdrawal fees—no surprises at confirmation!
Use cases are clear:
- Send Money Fee: What it costs to transfer funds to another Mpesa user.
- Withdraw Fee: How much you’ll pay when cashing out at an agent.
Below is a snapshot of the latest Mpesa to Mpesa / Mpesa to other tariffs / Mpesa withdrawal charges —a must-see for users who want a clear fee breakdown before transacting.
Summary Table: Latest Mpesa Transaction Fees
| MIN | MAX | SEND MONEY TO MPESA USERS & OTHER NETWORKS | WITHDRAWAL FROM MPESA AGENT |
| 1 | 49 | Free | N/A |
| 50 | 100 | Free | 11 |
| 101 | 500 | 7 | 29 |
| 501 | 1,000 | 13 | 29 |
| 1,001 | 1,500 | 23 | 29 |
| 1,501 | 2,500 | 33 | 29 |
| 2,501 | 3,500 | 53 | 52 |
| 3,501 | 5,000 | 57 | 69 |
| 5,001 | 7,500 | 78 | 87 |
| 7,501 | 10,000 | 90 | 115 |
| 10,001 | 15,000 | 100 | 167 |
| 15,001 | 20,000 | 105 | 185 |
| 20,001 | 35,000 | 108 | 197 |
| 35,001 | 50,000 | 108 | 278 |
| 50,001 | 250,000 | 108 | 309 |
How can I calculate Mpesa charges?
You can use our free Mpesa Charges Calculator by simply entering the amount you want to send or withdraw. It instantly shows the transaction fee and the withdrawal charge based on Safaricom’s latest tariffs.
What are the current Mpesa withdrawal charges?
Withdrawal charges depend on the amount you cash out at an Mpesa mobile money agent. For example, withdrawing KES 500 costs 29 KES, while withdrawing KES 10,000 costs 115 KES. Check the full tariff table above for all updated charges.
Are there free Mpesa transactions?
Yes. Sending between KES 1 – 100 to another registered Mpesa user is free of charge. However, withdrawals are not free.
What is the maximum amount I can send via Mpesa?
As of 2025, the maximum you can send in one Mpesa transaction is KES 250,000, with a daily limit of KES 500,000.
How much does it cost to send money from Mpesa to a bank?
Mpesa to bank charges vary depending on the amount. For example, sending KES 10,000 to a bank costs 87 KES. The calculator and tariff table can help you confirm exact fees.
