Safaricom Releases Revised M-Pesa Sending and Withdrawal Charges for 2026

Safaricom has released the official M-Pesa transaction charges that will apply throughout 2026, outlining the cost of sending and withdrawing money across different transaction ranges.

The revised tariffs affect common M-Pesa services such as money transfers between users, withdrawals at agent outlets, transactions involving Pochi La Biashara, Business Till payments to customers, and transfers to other mobile money platforms.

One of the key changes is the alignment of M-Pesa send-money charges across networks. Customers sending money from M-Pesa to Airtel Money or Telkom’s T-Kash will now pay the same fees as those transferring funds to fellow Safaricom users.

For instance, sending Ksh500 now costs Ksh7, regardless of whether the recipient is on M-Pesa, Airtel Money, or T-Kash.

Transaction Limits

Safaricom has maintained existing transaction limits. Users can send up to Ksh250,000 in a single transaction, while the daily transaction and account balance limit remains capped at Ksh500,000.

At agent outlets, customers are not allowed to withdraw amounts below Ksh50.

Official M-Pesa Tariffs for 2026

Below is the updated M-Pesa charges structure:

Transaction Range (Ksh)	Send to M-Pesa / Pochi / Business Till to Customer	Send to Other Mobile Money Users	Withdraw at 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

ATM Withdrawal Charges

Customers withdrawing cash from ATMs using M-Pesa are charged based on the amount withdrawn:

Ksh200 – Ksh2,500: Ksh35
Ksh2,501 – Ksh5,000: Ksh69
Ksh5,001 – Ksh10,000: Ksh115
Ksh10,001 – Ksh35,000: Ksh203

Free Services

Safaricom has confirmed that several M-Pesa services continue to be offered at no cost. These include:

Depositing money into M-Pesa accounts
Registering for M-Pesa
Buying airtime via M-Pesa
Checking account balance
Changing an M-Pesa PIN

Important Terms and Conditions

Customers who send money to the wrong recipient can request a self-reversal by forwarding the transaction confirmation message to 456.

It is also important to note that agents are not permitted to deposit money directly into another customer’s M-Pesa account.

For registration at agent outlets, only Kenyan national IDs and Kenyan passports are accepted. Other documents such as foreign passports, military IDs, and foreigner certificates are only processed at Safaricom shops and care desks.

However, for deposits and withdrawals, Safaricom accepts Kenyan IDs, passports, foreign passports, military IDs, and foreigner certificates.

How to Contact Safaricom Support

Customers seeking assistance can reach Safaricom through:

100 for PrePay users
200 for PostPay users
234# for self-service options

Support is also available via email at customercare@Safaricom.co.ke, Safaricom’s official social media pages, or through Zuri on WhatsApp (0722 000100).