M-Pesa Charges 2021 | Safaricom Updated M-Pesa Rates

Here are the Mpesa Charges you can always look up and use when transacting on your mobile phone. The tables below include Mpesa Withdrawal Charges, Sending Charges, and All Mpesa Rates updated in 2021.

Where would Kenya be without M-Pesa? That is a good question for another day. Safaricom’s M-Pesa is one innovation that has helped millions over the years. Recently Safaricom revised its Mpesa charges, and you will have to pay more to send or receive payments on your mobile phone.

The move to increase the Mpesa Charges by Safaricom came shortly after the 2018/19 National budget was tabled in parliament. In the budget, Treasury CS Henry Rotich revealed that customers would now be charged 12 percent up from 10 percent of every money transfer cost.

New M-Pesa Charges 2021 Summary

Safaricom new M-Pesa charges will force the user to pay the following fees in every transaction:

  • All deposits to your account or receiving money on Mpesa is free.
  • Sending between Ksh 1- 100 to other MPesa users, you won’t be charged anything.
  • If you are sending an amount of between 50 to 1,00, M-Pesa won’t be charged.
  • Withdrawing any amount between Ksh. 501 to Ksh 1,000 will cost you Ksh 28 shillings.
  • Sending any amount between KSh. 1501 to Ksh 2500 will cost you 22 Kenyan shillings.
  • Sending an amount of more than 2501 and less than 3500 will be charged at Ksh 51 bob.
  • If you want to withdraw Ksh 5,000, you will have to leave 67 bob to Safaricom.
  • And to send 5000, you will be charged Ksh 55 bob.
  • Sending Ksh 10 000 shillings will cost Ksh 87 bob.
  • While sending Ksh 20,000 will cost you 102 shillings.
  • And when you go to withdraw the Ksh 20,000, you will part with Ksh 180.

That is just a summary of the new Mpesa rates updated in December 2020 by Safaricom LLC. For more detailed charges, see the summary.

New M-Pesa Charges Summary Table

MinMaxTransfer to M-Pesa UsersTransfer to other Registered Mobile Money UsersTransfer to Unregistered UsersWithdraw From M-Pesa Agent
149FreeFreeN/AN/A
50100FreeFreeN/A10
101500664527
501100012124928
1,0011,50022225928
1,5012,50032327428
2,5013,500515111250
3,5015,000555513567
5,0017,500757516684
7,50110,0008787205112
10,00115,0009797265162
15,00120,000102102288180
20,00135,000105105309191
35.00150,000105105N/A270
50,001150,000105105N/A300

Mpesa Charges – Withdrawing Money from an Agent

The following table is for M-Pesa Charges when you are withdrawing from a Mpesa Agent:

Minimum Ksh Maximum Ksh M-PESA Charges Ksh
1 49 N/A
50 100 10
101 500 27
501 1,000 28
1,001 1,500 28
1,501 2,500 28
2,501 3,500 50
3,501 5,000 67
5,001 7,500 84
7,501 10,000 112
10,001 15,000 162
15,001 20,000 180
20,001 35,000 191
35,001 50,000 270
50,001 70,000 300

Mpesa Rates: Transferring to Unregistered Users

Minimum Amount (In Ksh) Maximum Ksh Amount (In Ksh) M-PESA Charges Amount (In Ksh)
1 49 N/A
50 100 N/A
101 500 45
501 1,000 49
1,001 1,500 59
1,501 2,500 74
2,501 3,500 112
3,501 5,000 135
5,001 7,500 166
7,501 10,000 205
10,001 15,000 265
15,001 20,000 288
20,001 25,000 309
25,001 35,000 303
35,001 50,000 N/A
50,001 70,000 N/A

Mpesa Transactions Rates: Transferring to other M-Pesa Users

Minimum Amount  Maximum Amount M-PESA Charges
1 49 Free
50 100 Free
101 500 6
501 1,000 12
1,001 1,500 22
1,501 2,500 32
2,501 3,500 51
3,501 5,000 55
5,001 7,500 75
7,501 10,000 87
10,001 15,000 97
15,001 20,000 102
20,001 35,000 105
35,001 50,000 105
50,001 70,000 105

Mpesa Rates: Withdrawing from the ATM

Minimum Amount Maximum Amount M-PESA Charges
Ksh 200 Ksh 2,500 Ksh 34
Ksh 2,501 Ksh 5,000 Ksh 67
Ksh 5,001 Ksh 10,000 Ksh 112
Ksh 10,001 Ksh 20,000 Ksh 197

#MpesaNiYetu – For more details on M-Pesa, you can visit The Safaricom Website.