M-PESA remains the backbone of mobile money in Kenya in 2025. I use it every day for everything from paying bills to sending money to friends. If you’re wondering what the latest M-PESA transaction charges are, I’ve got you covered—here’s my up-to-date guide to all the fees, limits, and what’s new this year.
Why M-PESA Charges Matter in 2025
Every shilling counts, and M-PESA fees can add up quickly if you use the service often. In 2025, Safaricom has made a few tweaks to its charges, so it’s important to know exactly what you’ll pay for transfers, withdrawals, and payments. I always check the latest rates before making large transactions to avoid surprises.
The good news? M-PESA is still the most convenient way to move money in Kenya—and with the right information, you can save on fees and make smarter choices.
2025 M-PESA Charges Table
Here’s the latest table of M-PESA transaction charges for 2025. I recommend bookmarking this page for quick reference. (If you spot a change or new fee, let me know in the comments and I’ll update the list!)
| 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 | TRANSFER TO UNREGISTERED USERS | WITHDRAWAL FROM M-PESA AGENT |
| 1 | 49 | Free | Free | N/A | N/A |
| 50 | 100 | Free | Free | N/A | 11 |
| 101 | 500 | 7 | 7 | 47 | 29 |
| 501 | 1,000 | 13 | 13 | 51 | 29 |
| 1,001 | 1,500 | 23 | 23 | 61 | 29 |
| 1,501 | 2,500 | 33 | 33 | 76 | 29 |
| 2,501 | 3,500 | 53 | 53 | 115 | 52 |
| 3,501 | 5,000 | 57 | 57 | 139 | 69 |
| 5,001 | 7,500 | 78 | 78 | 171 | 87 |
| 7,501 | 10,000 | 90 | 90 | 211 | 115 |
| 10,001 | 15,000 | 100 | 100 | 273 | 167 |
| 15,001 | 20,000 | 105 | 105 | 296 | 185 |
| 20,001 | 35,000 | 108 | 108 | 318 | 197 |
| 35,001 | 50,000 | 108 | 108 | 318 | 278 |
| 50,001 | 150,000 | 108 | 108 | 318 | 309 |
Account and Transaction Limits in 2025
M-PESA users can now hold up to Ksh 500,000 in their mobile wallet, with a daily transaction limit of Ksh 500,000. This is a big boost from previous years and gives you more flexibility for business and personal transfers. I’ve found these higher limits especially useful for paying suppliers and handling larger purchases.
Remember, you can make multiple transactions per day as long as you don’t exceed the daily limit. For extra security, always double-check your recipient’s number before sending large amounts.
Tips to Save on M-PESA Fees
Here are my top tips for saving money on M-PESA in 2025:
- Use “Send Money” to registered M-PESA users—it’s often cheaper than withdrawing cash.
- Pay bills and buy goods directly from your wallet to avoid extra withdrawal fees.
- Check for Safaricom promotions and zero-fee offers, especially for bill payments.
- Keep your transaction receipts until you confirm the payment went through.
- Use the M-PESA app or USSD code to check your balance and recent charges anytime.
Conclusion
M-PESA fees change from time to time, so I’ll keep this post updated with the latest info. If you have questions or spot a new fee, drop a comment below and I’ll help you out. Happy transacting!