M-Pesa Withdrawal Fees 2025 – Quick Info
M-Pesa, Kenya’s leading mobile money service, has been instrumental in transforming financial transactions since its inception. As we navigate through 2025, it’s essential to stay informed about the current M-Pesa withdrawal charges to manage your finances effectively. Overview of M-Pesa ... Read More The post M-Pesa Withdrawal Fees 2025 – Quick Info appeared first on MoPawa.
M-Pesa, Kenya’s leading mobile money service, has been instrumental in transforming financial transactions since its inception. As we navigate through 2025, it’s essential to stay informed about the current M-Pesa withdrawal charges to manage your finances effectively.
Overview of M-Pesa Withdrawal Charges
M-Pesa withdrawal charges are fees incurred when withdrawing funds from your M-Pesa account, either through an agent or an ATM. These charges vary based on the withdrawal amount and the method used. Understanding these fees is crucial for budgeting and minimizing transaction costs.
Detailed Breakdown of M-Pesa Withdrawal Charges for 2025
In 2025, M-Pesa has updated its withdrawal charges to align with the Finance Act 2023, which increased the excise duty on mobile money transfer services from 12% to 15%
. Below is a comprehensive breakdown of the current withdrawal charges:
M-PESA Charges
These are charges that a customer incurs depending on the amount of transaction and the transaction type i.e. sending or withdrawing.
Below are M-PESA Tariffs.
| TRANSACTION RANGE (KSHS) | TRANSACTION TYPE AND CUSTOMER CHARGES (KSHS) | |||
| MIN | MAX | TRANSFER TO M-PESA
USERS, POCHI LA BIASHARA AND BUSINESS TILL TO CUSTOMER |
TRANSFER TO
OTHER REGISTERED MOBILE MONEY USERS |
WITHDRAWAL FROM M-PESA 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 Tariff | ||
| Min | Max | Kshs |
| 200 | 2500 | 35 |
| 2501 | 5000 | 69 |
| 5001 | 10000 | 115 |
| 10001 | 35000 | 203 |
| OTHER TRANSACTIONS | KSHS |
| All Deposits | FREE |
| M-PESA Registration | FREE |
| Buying Airtime through M-PESA | FREE |
| M-PESA Balance Enquiry | FREE |
| Change M-PESA PIN | FREE |
Note:
- Maximum Account Balance is Kshs.500,000
- Maximum daily transaction value is Kshs.500,000
- Maximum amount per transaction is Kshs.250,000
- You cannot withdraw less than KShs. 50 at an M-PESA agent outlet.
- To initiate M-PESA Self Reversal, send the transaction confirmation to 456.
- You cannot deposit money directly into another M-PESA customerʼs account at an agent outlet.
- 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. - For deposits and withdrawals, the valid documentation are Kenyan Passports, National IDs, Foreign Passports, Military IDs and Foreigner Certificates.
Withdrawal Charges at M-Pesa Agents
| Withdrawal Amount (Ksh) | Charges (Ksh) |
|---|---|
| 50 – 100 | 11 |
| 101 – 500 | 29 |
| 501 – 1,000 | 29 |
| 1,001 – 1,500 | 29 |
| 1,501 – 2,500 | 29 |
| 2,501 – 3,500 | 52 |
| 3,501 – 5,000 | 69 |
| 5,001 – 7,500 | 87 |
| 7,501 – 10,000 | 115 |
| 10,001 – 15,000 | 167 |
| 15,001 – 20,000 | 185 |
| 20,001 – 35,000 | 197 |
| 35,001 – 50,000 | 278 |
| 50,001 – 150,000 | 309 |
Note: Withdrawals below Ksh 50 are not applicable.
ATM Withdrawal Charges
| Withdrawal Amount (Ksh) | Charges (Ksh) |
|---|---|
| 200 – 2,500 | 35 |
| 2,501 – 5,000 | 69 |
| 5,001 – 10,000 | 115 |
| 10,001 – 35,000 | 203 |
Note: The minimum amount for ATM withdrawals is Ksh 200.
Key Considerations
- Transaction Limits: The maximum amount per transaction is Ksh 150,000, with a daily limit of Ksh 500,000
- Free Transactions: Depositing money into your M-Pesa account and purchasing airtime via M-Pesa are free of charge.
- Identification: Always carry your original identification document when withdrawing funds from an M-Pesa agent.
Tips to Minimize Withdrawal Charges
- Plan Withdrawals: Combine smaller withdrawals into a single transaction to reduce cumulative fees.
- Use Agents Over ATMs: Agent withdrawals often have lower charges compared to ATMs for equivalent amounts.
- Stay Informed: Regularly check for updates on M-Pesa charges to make cost-effective decisions.
Contact and Support
For inquiries, complaints, feedback, or further support, reach out to our customer support line by dialling 100 for PrePay customers or 200 for PostPay
customers and *234# for self-service. Send us an email at: customercare@Safaricom.co.ke or chat us on social media – Facebook: @SafaricomPLC,
Twitter: @SafaricomPLC/@Safaricom_Care, or Zuri on WhatsApp to 0722 000100.
Conclusion
Staying informed about M-Pesa withdrawal charges in 2025 empowers you to manage your finances efficiently. By understanding the fee structure and implementing cost-saving strategies, you can make the most of M-Pesa’s services.
The post M-Pesa Withdrawal Fees 2025 – Quick Info appeared first on MoPawa.
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