Kenyans can now seamlessly transact between each other irrespective of what Mobile Money platform they are on. Well, not quite yet. AirtelMoney and T-kash are still trying to figure out ways of playing nice with each other but that is coming soon. At the moment, M-PESA plays nice with noth AirtelMoney and T-kash. But how much does it cost to transact across the divide? Let us look at what it costs.

The following table shows cross-platform transaction charges by all three Mobile money solutions.

Minimum Amount (Kes.)	Maximum Amount (Kes.)	AirtelMoney to other networks	T-Kash to other networks	M-PESA to other networks
1	49	0	0	0
50	100	0	0	0
101	500	7	10	11
501	1000	9	15	15
1001	1500	15	20	25
1501	2500	24	30	40
2501	3500	33	40	55
3501	5000	36	50	60
5001	7500	45	60	75
7501	10000	51	80	85
10001	15000	57	80	95
15001	20000	60	80	100
20001	25000	66	100	110
25001	30000	66	100	110
30001	35000	66	100	110
35001	40000	66	100	110
40001	45000	66	100	110
45001	50000	66	100	110
50001	70000	66	100	110

 

Transaction costs between T-kash and M-PESA and between T-kash customers

Minumim	Maximum	Sending from T-kash to T-Kash	Sending from T-kash to M-PESA
1	49	0	0
50	100	0	0
101	200	0	0
201	500	10	10
501	1000	15	15
1001	1500	20	20
1501	2500	30	30
2501	3500	40	40
3501	5000	50	50
5001	7500	60	60
7501	10000	80	80
10001	15000	80	80
15001	20000	100	100
20001	25000	100	100
25001	35000	100	100
35001	40000	100	100
40001	45000	100	100
45001	50000	100	100
50001	70000	100	100

Transaction charges between AirtelMoney customers and Safaricom M-PESA

Minimum Amount (Kes.)	Maximum Amount (Kes.)	AirtelMoney to AirtelMoney	Airtel Money to M-PESA
1	49	0	0
50	100	0	0
101	500	7	7
501	1000	9	9
1001	1500	15	15
1501	2500	24	24
2501	3500	33	33
3501	5000	36	36
5001	7500	45	45
7501	10000	51	51
10001	15000	57	57
15001	20000	60	60
20001	25000	66	66
25001	30000	66	66
30001	35000	66	66
35001	40000	66	66
40001	45000	66	66
45001	50000	66	66
50001	70000	66	66

Airtel Money customers should note that;

• Maximum Account balance is Kshs. 140,000
• Maximum Daily Transaction value is Kshs. 140,000. Maximum amount per transaction is Kshs. 70,000
• Withdrawals for both on-net and off -net customers cost the same
• Customers from other networks cannot withdraw more than Kshs. 35,000 per transaction

 

Transaction costs between M-PESA and other carriers and between M-PESA customers

Minimum	Maximum	M-PESA to M-PESA	M-PESA to other networks
1	49	FREE*	N/A
50	100	FREE*	N/A
101	500	11	11
501	1000	15	15
1001	1500	26	26
1501	2500	41	41
2501	3500	56	56
3501	5000	61	61
5001	7500	77	77
7501	10000	87	87
10001	15000	97	97
15001	20000	102	102
20001	35000	105	105
35001	50000	105	105
50001	70000	105	105

Safaricom customers need to note that;

• You cannot send anything less than Ksh.100 to other carriers. The minimum amount is therefore Ksh.101.
• Maximum Account Balance is KSHs.100,000
• Maximum Daily Transaction Value is KSHs.140,000.Maximum per transaction is KSHs.70,000
• You cannot withdraw less than KSHs.50 at an M-PESA agent outlet
• To transact, your Safaricom line and M-PESA account must be active