Safaricom Mpesa Charges 2023: Mpesa Withdrawal Charges and Rates

Current Safaricom Mpesa charges for sending and withdrawing money though a Safaricom agent, ATM and M-pesa tariffs when transferring cash both to registered and non-registered Mpesa users. All Mpesa deposits are free.

There are no Mpesa charges when buying Safaricom airtime through Mpesa. Mpesa is one of the top ways to get paid online. The low Mpesa charges have helped freelance workers make money online from home.

They get paid to write through part time jobs. Data entry home jobs is one of the ways to make money online from home (Read: Online Jobs in Kenya That Pay through Mpesa).

Many profitable business opportunities in Kenya have made mobile money payment popular. Mpesa registration is free and there are no charges when you generate your Safaricom Mpesa statement.


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Recent Mobile Money Updates:
  • The new M-Pesa transaction limit is now KSh 150,000. Daily maximum is KSh 300,000
  • You can now hold up to KSh 300,000 in your M-PESA wallet
  • Commercial banks have eliminated charges for transfers between a bank account and any mobile money wallet (including M-PESA, Airtel Money and Telkom's T-Kash)
  • The rates indicated on this page were last updated on Thursday, Jan 5th, 2023 using data obtained from Safaricom's M-Pesa charges page that is available here.
  • Please Do Not Copy and Paste any of the content on this page on to your website. Create your own content.

Increased Excise Duty caused Changes in Mpesa Tariffs

However, Mpesa charges and rates were increased a little in July 2018. This was after Treasury CS Henry Rotich increased excise duty on all mobile money transfers by 2 per cent, to the current rate of 12%. According to the CS, some of the extra revenue that the Kenyan government will collect through this increase in tax will be used to provide support for social development programs. These include universal healthcare.

New Mpesa Rates 2022

The new mobile money transfer tax came into effect on July 1st 2018, through the 2018 Finance Bill. Safaricom Kenya Mpesa transfer and withdrawal charges depend on the amount in the transaction. The maximum one can send using Mpesa is Ksh 150,000 per transaction. The maximum daily M-pesa transaction limit is Ksh 300,000. It costs a little more to send money to non-registered subscribers.

As indicated in the Mpesa charges table below, you can not withdraw less than Ksh 50 from an Mpesa agent but you can transfer any amount up to Ksh 150,000 to another Mpesa user. Use the Mpesa rates calculator to get Mpesa fees for sending or withdrawing any amount. Here are the Safaricom Mpesa rates for 2022.

Safaricom Mpesa Charges for Agent and Mpesa to Mpesa

Min (Ksh)Max (Ksh)Withdraw From M-PESA AgentTransfer to other M-PESA Users, Pochi La Biashara and Business Till To customer

Mpesa Rates for Unregistered and other Mobile Money Network Users

The following are the Mpesa tariffs for sending money from M-Pesa to unregistered numbers and other mobile money network users.

Min (Ksh)Max (Ksh)Transfer to other Mobile Money UsersTransfer to Unregistered Users

Safaricom Mpesa Withdrawal Charges for ATM

Mpesa Transaction Range (Ksh)
Min (Ksh)Max (Ksh)Mpesa Charges

Safaricom Mpesa Charges


  • Maximum Account Balance allowed is Ksh 300,000.
  • The maximum Daily Transaction Value is Ksh 300,000. Maximum per transaction is Ksh 150,000
  • You cannot withdraw less than Ksh 50 at an M-PESA agent outlet.
  • To initiate M-PESA person to person self reversal, send the transaction confirmation message to 456
  • To transact, your Safaricom line and M-PESA account must be active.
  • At an agent outlet, you cannot deposit money directly into another M-PESA customer’s account.
  • You earn Bonga points when you transact on M-PESA.
  • To register or transact at any M-PESA Agent outlet, you will be required to produce your original identification document, i.e., National ID or Kenyan Passport.

M-Pesa: Frequently Asked Questions

How do I get my M-Pesa Statement?

M-Pesa statements enable the mobile money users to do reconciliation and track payments, withdrawals, money transfers and money received through M-Pesa. Some financial institutions may also request for a recent M-Pesa statements, for example when one is seeking a loan from them.

The M-Pesa statements sent via e-mail are e-stamped and therefore verified as true statements from Safaricom. You simply request, download and use as necessary.

M-Pesa statements are free and are sent to your registered e-mail address in pdf format. They are sent once every month between the 1st and 5th.

However, one can also request an M-Pesa statement on demand and such statements are available within 5 minutes for the last 3, 6 or 12 months, last 12 months, last 2 years etc.

How to get M-Pesa Statement

To get an M-Pesa statement one needs to do the following:

  • Self-register for M-Pesa statements on your phone at your convenience. To do this:
    1. Dial *234#
    2. Select My M-PESA information
    3. Select M-PESA Statement
    4. Select full Statement
    5. Enter your National ID or document of registration
    6. Enter your e-mail address and confirm
    7. Enter M-Pesa PIN
    8. Wait for an SMS confirmation that your M-PESA Statement requested at time XX:XX:XX has been sent to [your email address] and the password to use to open the pdf
  • For users who are already registered,
    1. Dial *234#
    2. Select My M-PESA information
    3. Select M-PESA Statement
    4. Select Request Statement
    5. Choose whether you want Full Statement or Summary Statement
    6. Select the Statement period from the list: 1 Month, 3 Months, 6 Months, This Year, Last 12 Months, Last 2 Years, Last 5 transactions or Specific Period
    7. Select a previous e-mail or enter a new one
    8. Enter M-Pesa PIN
    9. Wait for an SMS confirmation that your M-PESA Statement requested at time XX:XX:XX has been sent to [your email address] and the password to use to open the password-protected pdf document

Should you desire to change your e-mail address, dial Dial *234#, Select My M-PESA information, Select M-PESA Statement, Select change e-mail. Then simply enter your new e-mail address.

How to get M-Pesa Statement via SSD

M-Pesa users can also request for their M-Pesa statement by dialing *334#, which is also a free service.

  1. Dial *334# from your M-PESA registered line
  2. Select My Account
  3. Select M-PESA Statement
  4. Select full statement or mini statement

Your M-Pesa statement is sent to your email and you receive a notification SMS within seconds.

How do I get my M-Pesa statement from Gmail?

Just follow the process above. Start by dialing *234# on your phone.

What is M-Pesa statement?

M-Pesa statements is a document that shows your mobile money use over the selected time period. It can be a full or summary statement. Users request for their M-Pesa statements for free and receive them within 5 minutes via e-mail

Which app opens M-Pesa statement?

Any pdf reader will open an M-Pesa statement.

How much do M-Pesa charge to send

How much does M-Pesa charge to send money depends on the amount. For example:

  • M-Pesa charges for sending 15,000 is KSh 97
  • M-Pesa charges for sending 10,000 to other M-PESA users is KSh 87
  • M-Pesa charges for sending 12,000 to other M-PESA users is KSh 97
  • M-Pesa charges for sending 1,500 to other M-PESA users is KSh 22
  • M-Pesa charges for sending 18000 to other M-PESA users is KSh 32
  • M-Pesa charges for sending 20,000 to other M-PESA users is KSh 102
  • M-Pesa charges for sending 5,000 to other M-PESA users is KSh 55
M-Pesa charges for sending money 2022
  • M-Pesa charges for sending 4,000 to other M-PESA users is KSh 55
  • M-Pesa charges for sending 1,000 to other M-PESA users is KSh 12
  • M-Pesa charges for sending 6,000 to other M-PESA users is KSh 75
  • M-Pesa charges for sending 9,000 to other M-PESA users is KSh 87
  • M-Pesa transaction cost for sending 10000 to other M-PESA users is KSh 87
  • Cost for sending 10000 via M-Pesa to other M-PESA users is KSh 87

How much does it cost to send 50 via M-Pesa

Sending 50 KSh via M-Pesa to other M-PESA users is Free.

How do I send money from M-Pesa to Tanzania?

M-Pesa users in Kenya can send money from Kenya to Tanzania easily by:

  1. Go to M-PESA
  2. Select Lipa Na M-PESA
  3. Select PayBill
  4. Enter business number 255255
  5. Enter recipient’s mobile number as account number in the format 2557XXXXXXXX
  6. Enter amount in KSh
  7. Enter your M-PESA PIN and confirm the transaction

These Mpesa charges apply for all transactions, even when depositing to SportPesa and withdrawing money from Betika, SportPesa, Shabiki (Shabiki jackpot games today predictions) and Mcheza.

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Harrison M, author, editor and owner at

Harrison M, Owner and editor of Spend Billionaires Money Game

Harry started this website as a finance blog back in 2015, when mobile money and sports betting were the rage in his part of the world. But over the years the content policy has been evolving, just as both the authors and the times have been changing. He is a calm person and during his free time you might catch him riding his bike, playing football with his son, watching movies or just chilling. | Twitter | VK | LinkedIn