M-Pesa charges 2026: Current transaction fees, withdrawal costs, free services, and money transfer rates. Official Safaricom pricing, limits, and cost-saving tips for Kenya's leading mobile money service.
Current M-Pesa Transaction Charges (2026)
- M-Pesa Withdrawal Charges
- M-Pesa Charges for Sending Money
- Fuliza for Business (Fuliza ya Biashara) Cost Structure and Charges
- M-Pesa Fuliza Charges and Fee Structure
- Lipa na Mpesa Paybill Charges and Limits (2026)
- Lipa na M-Pesa Buy Goods (Business Till Number) Charges and Limits (2026)
Free M-Pesa Services
The following services are completely free:
- All deposits to M-Pesa accounts
- M-Pesa registration
- Buying airtime through M-Pesa
- M-Pesa balance enquiry
- Changing M-Pesa PIN
Key Transaction Limits and Policies
Account Limits
- Maximum Account Balance: KShs 500,000
- Maximum Daily Transaction Value: KShs 500,000
- Maximum Amount per Transaction: KShs 250,000
- Minimum Withdrawal: KShs 50 (withdrawals below this amount are not allowed)
Important Policies
- Direct deposits to another M-Pesa customer's account at agent outlets are not permitted
- To initiate M-Pesa self-reversal, send the transaction confirmation to 456
- For registration at agent outlets, only Kenyan Passports and National IDs are valid
- Foreign Passports, Military IDs, and Foreigner Certificates can only be registered at Safaricom Shops and Care Desks
