MPESA Charges Update: How Much It Costs to Send and Withdraw Money in 2026

• By Clinton Wanjala

• 7571

• Last updated Jan 1, 2026

These are the latest mpesa send money and withdrawal charges that a customer incurs depending on the amount of transaction and the transaction type i.e. sending or withdrawing.

Keep in mind the minimum amount to withdraw at an Mpesa agent is 50 shillings while at an ATM outlet its 200 Kenya shillings. 

Below are the Latest 2026 M-PESA Tariffs

What Are the Current MPESA Withdrawal Fees?

2026 MPESA ATM Withdrawal Charges

N/B:

1. Maximum Account Balance is Kshs.500,000
2. Maximum daily transaction value is Kshs.500,000
3. Maximum amount per transaction is Kshs.250,000
4. The minimum amount you can withdraw at an M-PESA Agent is Kshs.50
5. To initiate M-PESA person to person self-reversal, send the transaction confirmation to 456
6. To be able to transact, your Safaricom line and M-PESA account must be active.
7. One can deposit funds only into M-PESA account registered under their own identification document (ID). Depositing directly into third party accounts is not allowed.
8. You will earn Bonga Points from the M-PESA fee charged when you transact.
9. To transact at any M-PESA agent outlet, you will be required to produce your original identification document with which the M-PESA was registered, i.e., National ID or Kenyan Passport
10. Dial *334# to view application charges or use M-PESA cost calculator on My Safaricom App

MPESA FAQ

How much does it cost to withdraw 100 from Mpesa?

In 2026, the cost of withdrawing Ksh. 100 from an Mpesa agent is 11 shillings. However, sending 100 shillings and below from one Safaricom number to another is free. Sending more than 100 shillings attracts additional charges.  

What is the maximum amount of money that can be sent to M-PESA?

In one transaction, you can send a maximum of Ksh. 150,000 to an Mpesa number. However, the daily limit to send in a day is half a million; Ksh. 500,000

This means that in  a day, you can make 4 transactions, 150,000 in three transactions and the last transaction will be 50,000 before you hit your daily transaction limit. 

What Is The Difference Between Pochi La Biashara And Till (Buy Goods)?

Pochi la Biashara is a Safaricom service designed specifically for small and medium-sized enterprises (SMEs), allowing business owners to separate their business transactions from personal funds. It’s ideal for small businesses that want to track income and expenses without mixing them with personal finances. What makes Pochi la Biashara unique and efficient is the fact that you can easily register and access it at the comfort of your home without the need for paperwork or in-person registration . As a Safaricom MPESA registered user can activate it by simply dialing *334#.

On the other hand, MPESA Till requires paperwork and in person registration whereby you have to visit a safaricom shop to be registered. It is also ideal for small and medium enterprises. However, unlike Pochi la Biashara, MPESA till can also be used by big companies that have higher volume of transactions.

How Can I Reverse Mpesa Money Sent to Wrong Number

After completing the transaction, forward the entire transaction message to 456.

You will receive a response from "Reversal" confirming that the reversal process has been initiated, with an update expected within 2 hours.

Be sure to check your messages for further updates from the "Reversal" header regarding the status of your request.