Safaricom M-Pesa Transaction Charges 2025 Update

Safaricom has updated its M-Pesa transaction charges for 2025, effective from January, with key changes including harmonized fees across networks and the discontinuation of transfers to unregistered users. Below is a detailed breakdown of the updated charges and limits.

Sending Money Charges

• Harmonized Fees: Charges for sending money to Safaricom, Airtel Money, and Telkom’s T-Kash are now standardized.
• Discontinuation of Unregistered Transfers: Transfers to unregistered users have been discontinued due to fraud and money laundering concerns.

Sending Money Fee Structure

Transaction Range (KSh)	Charge (KSh)
1–100	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
20,001–250,000	108

Withdrawal Charges

Withdrawal fees apply at M-Pesa agent outlets and are higher than sending fees.

Transaction Range (KSh)	Charge (KSh)
50–100	11
101–500	29
501–1,000	29
1,001–1,500	38
1,501–2,500	43
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
20,001–250,000	309

• Minimum Withdrawal: KSh 50 (withdrawals below this are not allowed).
• Maximum Withdrawal per Transaction: KSh 250,000.

ATM Withdrawal Charges

Transaction Range (KSh)	Charge (KSh)
200–2,500	34
2,501–5,000	69
5,001–10,000	115
10,001–20,000	203

Transaction Limits

• Maximum per Transaction: KSh 250,000
• Maximum Daily Transaction and Balance: KSh 500,000
• Note: Direct deposits to another M-Pesa account at agent outlets are not permitted.

Free Services

• Deposits to your M-Pesa account
• Airtime purchases
• Balance inquiries
• PIN changes

Other Notes

• Self-Reversal: To initiate a reversal, send the transaction confirmation to 456. There’s no strict time limit, but reversals are easier if the recipient hasn’t redeemed the funds.
• Registration Requirements: Only Kenyan Passports and National IDs are accepted at agent outlets. Foreign passports, military IDs, and foreigner certificates are valid only at Safaricom Shops and Care Desks.
• PayBill and Buy Goods: Charges align with sending money fees, but specific tariffs may vary. Refer to Safaricom’s official terms for detailed PayBill charges.
• Tax Adjustments: The excise duty on money transfers increased from 15% to 20% in 2025, impacting transaction fees.

Tips for Cost Management

• Combine small transactions to fall within lower fee brackets.
• Use free services like airtime purchases to avoid charges.
• Regularly check Safaricom’s official channels for updates.

For the most accurate and detailed charges, visit Safaricom’s official website (www.safaricom.co.ke) or contact their customer support by dialing 100 (PrePay), 200 (PostPay), or *234# for self-service.

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