Safaricom has officially released the updated M-Pesa charges for 2026, confirming revised fees for sending money, withdrawing cash, and transferring funds to other mobile money users. As M-Pesa remains Kenya’s most widely used mobile money platform, understanding these charges is essential for individuals, businesses, and merchants who rely on it for daily transactions.
This guide breaks down everything you need to know about M-Pesa charges, including withdrawal limits, free transaction ranges, and a full table of updated fees.
Maximum M-Pesa Transaction Limits in 2026
| Transaction Type | Limit |
|---|---|
| Maximum withdrawal per transaction | KSh 250,000 |
| Minimum withdrawal | KSh 50 |
| Daily transaction limits | Subject to Safaricom account tier |
These limits apply across all M-Pesa agents countrywide.
Full Breakdown of M-Pesa Charges
Below is the official Safaricom M-Pesa charges table for 2026:
| Transaction Range (KSh) | Transfer to M-Pesa Users / Pochi / Till to Customer | Transfer to Other Mobile Money Users | Withdrawal from M-Pesa Agent |
|---|---|---|---|
| 1–49 | Free | Free | N/A |
| 50–100 | Free | Free | 11 |
| 101–500 | 7 | 7 | 29 |
| 501–1,000 | 13 | 13 | 29 |
| 1,001–1,500 | 23 | 23 | 29 |
| 1,501–2,500 | 33 | 33 | 29 |
| 2,501 – 3,500 | 53 | 53 | 52 |
| 3,501–5,000 | 57 | 57 | 69 |
| 5,001 – 7,500 | 78 | 78 | 87 |
| 7,501 – 10,000 | 90 | 90 | 115 |
| 10,001–15,000 | 100 | 100 | 167 |
| 15,001 – 20,000 | 105 | 105 | 185 |
| 20,001 – 35,000 | 108 | 108 | 197 |
| 35,001 – 50,000 | 108 | 108 | 278 |
| 50,001 – 250,000 | 108 | 108 | 309 |
Are M-Pesa Send Money charges the same in 2026?
Yes. One notable feature of M-Pesa charges is that sending money fees are standardized:
- Sending to another M-Pesa user
- Sending via Pochi La Biashara
- Sending from Business Till to Customer
- Sending to other registered mobile money users
All attract the same transaction fee within the same range.
Why Safaricom Kept Low-Value Transactions Free
Safaricom continues to support financial inclusion by keeping:
- KSh 1–49 transfers FREE
- KSh 50–100 transfers FREE
This benefits low-income earners, students, and small traders who rely on M-Pesa for microtransactions.
How to Reduce M-Pesa Charges in 2026
Here are smart tips to minimize fees:
- 🔹 Combine multiple small withdrawals into one
- 🔹 Avoid agent withdrawals—use M-Pesa to M-Pesa transfers
- 🔹 Use Pochi La Biashara instead of withdrawing cash
- 🔹 Keep transactions within free or lower charge ranges
Frequently Asked Questions (FAQs)
What is the maximum M-Pesa withdrawal in 2026?
The maximum amount you can withdraw per transaction is KSh 250,000.
Can I withdraw less than KSh 50?
No. Withdrawals below KSh 50 are not permitted.
Are M-Pesa charges increasing in 2026?
Safaricom has largely maintained previous rates, with no major increase for send money transactions.
Is sending KSh 100 still free?
Yes. Sending KSh 1–100 remains free in 2026.
Final Thoughts on M-Pesa Charges 2026
The 2026 M-Pesa charges structure reinforces Safaricom’s commitment to affordability, predictability, and digital payments. With free low-value transfers and capped send money fees, M-Pesa remains one of the most cost-effective mobile money services in Kenya.
Whether you are an individual user, biashara owner, or digital entrepreneur, staying informed helps you save money and transact smarter.
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