Safaricom has updated M-Pesa transaction charges for 2025 to address fairness and emerging challenges in mobile money. The new charges aim to harmonize costs across networks, improve customer experience and security.
Key Changes:
- Unified Transfer Charges:
- Transfers to Airtel Money and Telkom’s T-Kash will now be charged the same as Safaricom to Safaricom.
- For example, sending Ksh1,000 will cost Ksh13 regardless of the recipient’s network.
- Discontinued Transfers to Unregistered Users:
- Due to fraud and money laundering risks, sending to unregistered users has been stopped.
- Transaction Limits:
- Maximum per transaction: Ksh250,000
- Daily transaction and balance limit: Ksh500,000
M-Pesa Transaction Charges
Transfer and Withdrawal Charges
| Transaction Range (KSHS) | To M-Pesa Users & Other Mobile Money | Withdrawal from M-Pesa Agent |
|---|---|---|
| 1 – 49 | Free | N/A |
| 50 – 100 | Free | 11 |
| 101 – 500 | 7 | 29 |
| 501 – 1,000 | 13 | 29 |
| 1,001 – 1,500 | 23 | 29 |
| 1,501 – 2,500 | 33 | 29 |
| 2,501 – 3,500 | 53 | 52 |
| 3,501 – 5,000 | 57 | 69 |
| 5,001 – 7,500 | 78 | 87 |
| 7,501 – 10,000 | 90 | 115 |
| 10,001 – 15,000 | 100 | 167 |
| 15,001 – 20,000 | 105 | 185 |
| 20,001 – 35,000 | 108 | 197 |
| 35,001 – 50,000 | 108 | 278 |
| 50,001 – 250,000 | 108 | 309 |
ATM Withdrawal Tariffs
| Min (KSHS) | Max (KSHS) | Charge (KSHS) |
|---|---|---|
| 200 | 2,500 | 35 |
| 2,501 | 5,000 | 69 |
| 5,001 | 10,000 | 115 |
| 10,001 | 35,000 | 203 |
Free Services:
- Deposits: Free.
- M-Pesa Registration: Free.
- Buying Airtime via M-Pesa: Free.
- Balance Inquiry and PIN Changes: Free.
Policies and Guidelines
- Self-Reversals:
- Send the transaction confirmation to 456 for a self-reversal.
- Documentation for Transactions:
- Accepted for deposits and withdrawals:
- Kenyan Passports and National IDs.
- Foreign Passports, Military IDs and Foreigner Certificates.
- Agent Outlet Registration Restrictions:
- Only Kenyan Passports and National IDs are accepted at agent outlets.
- Foreign documents are accepted only at Safaricom Shops and Care Desks.
- Customer Support:
- PrePay customers: 100.
- PostPay customers: 200.
- USSD: *234#
These changes are to simplify mobile money and ensure fairness and security.