M-Pesa Transaction Fee Calculator

Calculate exact M-Pesa fees for any transaction type. Includes smart "cheapest threshold" analysis showing when splitting transactions saves money.

Finance & TaxSafaricom M-Pesa Tariff ScheduleRarely changes

Amount

KES 1,000

Fee

KES 13

Total Cost

KES 1,013

Fee Comparison for KES 1,000

Transaction TypeFee
Send Money (to Registered User) ←KES 13
Send Money (to Unregistered User)KES 49
Withdraw at AgentKES 29
Withdraw at ATMKES 35
Buy Goods (Lipa Na M-Pesa)FREE
Pay BillFREE

Full M-Pesa Tariff — Send Money (to Registered User)

Amount RangeFee
KES 1 – KES 49FREE
KES 50 – KES 100FREE
KES 101 – KES 500KES 7
KES 501 – KES 1,000 ← Your amountKES 13
KES 1,001 – KES 1,500KES 23
KES 1,501 – KES 2,500KES 33
KES 2,501 – KES 3,500KES 53
KES 3,501 – KES 5,000KES 57
KES 5,001 – KES 7,500KES 78
KES 7,501 – KES 10,000KES 90
KES 10,001 – KES 15,000KES 100
KES 15,001 – KES 20,000KES 105
KES 20,001 – KES 25,000KES 108
KES 25,001 – KES 30,000KES 108
KES 30,001 – KES 35,000KES 108
KES 35,001 – KES 50,000KES 108
KES 50,001 – KES 250,000KES 108

M-Pesa Transaction Limits

Max Balance

KES 500,000

Max Per Day

KES 500,000

Max Single Tx

KES 250,000

Receive Money

Always FREE

Frequently Asked Questions

Are M-Pesa Buy Goods (Lipa Na M-Pesa) transactions free?
Yes, Safaricom does not charge customers any fee for Buy Goods (till number) transactions. This makes Lipa Na M-Pesa the cheapest way to pay for goods and services.
How much does M-Pesa charge to send money?
M-Pesa charges vary by amount and whether the recipient is registered. Sending to a registered user ranges from KES 0 (for amounts under KES 100) to KES 108 (for amounts over KES 25,000). Sending to unregistered users costs more.
What is the M-Pesa maximum transaction limit?
The maximum single transaction is KES 150,000. The maximum daily transaction total is KES 300,000. The maximum M-Pesa balance is KES 300,000.
Is receiving money on M-Pesa free?
Yes, receiving money on M-Pesa is always free regardless of the amount. You only pay fees when sending money or withdrawing.
How can I save on M-Pesa fees?
Use Buy Goods (Lipa Na M-Pesa) whenever possible as it's free. When sending money, check the fee boundaries — sometimes sending KES 500 instead of KES 501 can save you fees because of tariff band transitions.

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