M-Pesa Send Money and Withdrawal Rates for 2025

Safaricom has announced the revised M-Pesa charges for sending and withdrawing money in 2025. With the updated rates, you will notice that Safaricom has harmonized them across all networks. This means that sending money to Airtel Money or Telkom’s T-Kash will attract the same charges as sending to an M-Pesa user. With Airtel Money maturing so fast, this is the right step for Safaricom to take with its mobile money service.

Safaricom has also discontinued money transfers to unregistered users as most were associated with fraud. I was not expecting this but I do appreciate the changes, I hope it will help deal with the many fraud cases that have been mushrooming across the country. 

The maximum amount per transaction has not changed and is still Ksh 250,000 while the daily transaction limit is also Ksh 500,000. Both M-Pesa and Airtel Money raised their maximum amount per transaction and the daily transaction limits back in 2023. M-Pesa has been growing so fast and just recently, Safaricom announced that its total users exceeded 34 million. 

Have a look at the revised charges when sending money to any network. 

M-Pesa Send Money Charges 2025

TRANSACTION RANGE		TRANSACTION TYPE AND CHARGES
MIN	MAX	TRANSFER TO M-PESA USERS	TRANSFER TO OTHER MOBILE MONEY USERS
1	49	FREE	FREE
50	100	FREE	FREE
101	500	7	7
501	1000	13	13
1001	1500	23	23
1501	2500	33	33
2501	3500	53	53
3501	5000	57	57
5001	7500	78	78
7501	10000	90	90
10001	15000	100	100
15001	20000	105	105
20001	35000	108	108
35001	50000	108	108
50 001	250 000	108	108

M-Pesa Withdrawal Charges 2025

As you will notice below, the withdrawal charges are a bit higher than sending charges. The maximum amount that you can withdraw in a single transaction is Ksh 250,000 while the least you can withdraw is Ksh 50. 

TRANSACTION RANGE (KSHS)		M-pesa Withdrawal charges
MIN	MAX	WITHDRAWAL FROM M-PESA AGENTS
1	49	N/A
50	100	11
101	500	29
501	1000	29
1001	1500	29
1501	2500	29
2501	3500	52
3501	5000	69
5001	7500	87
7501	10000	115
10001	15000	167
15001	20000	185
20001	35000	197
35001	50000	278
50 001	250 000	309

M-Pesa ATM Withdrawal Charges

ATM Withdrawal Tariff
Min	Max	Kshs
200	2500	35
2501	5000	69
5001	10000	115
10001	35000	203

What is the maximum amount you can have as your M-Pesa balance?

The Maximum Account balance Is Ksh 500,000. This limit was raised recently from Ksh 300,000.

What is the maximum daily transaction value?

The maximum daily transactions value is Ksh 500,000. The maximum per transaction is Ksh 150,000. Hence, to transact more than 150k, you will have to complete multiple transactions as long as they are below the Ksh 500k limit.

The lowest amount you can withdraw from an agent is Ksh 50.

Learn more here.

Now Read: A Guide to Using Fuliza