Airtel Money is slowly becoming a darling of many Kenyan mobile wallet users. Data from the Kenyan communication authority suggest that as of now (2025), Airtel Money controls a market share of 6.6%, a jump from the previous 2.8%. Therefore, if you’re a current subscriber to Airtel Money or planning to register for the service, you should know that Airtel Money has various Transaction charges for each amount you send or withdraw. The best thing is that sending money from Airtel to Airtel, regardless of the amount, is entirely free, but transfers to other networks or withdrawals attract specific fees. So, do you know all the Airtel Money charges as of 2025?
Airtel Kenya usually announces its new mobile wallet charges occasionally, and 2025 is no different from previous years. The maximum amount you can transact daily is capped at Ksh 500,000, and the Maximum amount Per transaction is Ksh 250,000. To help you better comprehend the Airtel money charges below, we have listed them in the table for all transaction ranges, ensuring you are up to date with the latest tariffs.
Airtel to Airtel Transfers
One of the advantages of Airtel money compared to other Mobile networks, like Safaricom or Telkom, is that when Transferring money from Airtel to Airtel, you will not incur any fee. It doesn’t matter whether you are carrying out a low or high-value Transaction. It is a Zero transaction charge, as shown in the Table below:
| Transaction Amount (Ksh) | Charges (Ksh) |
|---|---|
| 1 – 49 | Free |
| 50 – 100 | Free |
| 101 – 500 | Free |
| 501 – 1,000 | Free |
| 1,001 – 1,500 | Free |
| 1,501 – 2,500 | Free |
| 2,501 – 3,500 | Free |
| 3,501 – 5,000 | Free |
| 5,001 – 7,500 | Free |
| 7,501 – 10,000 | Free |
| 10,001 – 15,000 | Free |
| 15,001 – 20,000 | Free |
| 20,001 – 25,000 | Free |
| 25,001 – 35,000 | Free |
| 35,001 – 40,000 | Free |
| 40,001 – 45,000 | Free |
| 45,001 – 50,000 | Free |
| 50,001 – 250,000 | Free |
Airtel Money to Other Networks
In Kenya, there are three mobile networks: Safaricom with M-Pesa, Airtel with Airtel Money, and Telkom with T-Kash. Transaction to these other mobile networks is not free, and it will attract a fee, as shown in the table below:
| Transaction Amount(Ksh) | Charges (Ksh) |
|---|---|
| 1 – 49 | 0 |
| 50 – 100 | 6 |
| 101 – 500 | 11 |
| 501 – 1,000 | 20 |
| 1,001 – 1,500 | 30 |
| 1,501 – 2,500 | 30 |
| 2,501 – 3,500 | 50 |
| 3,501 – 5,000 | 50 |
| 5,001 – 7,500 | 70 |
| 7,501 – 10,000 | 80 |
| 10,001 – 15,000 | 90 |
| 15,001 – 20,000 | 95 |
| 20,001 – 25,000 | 95 |
| 25,001 – 35,000 | 100 |
| 35,001 – 40,000 | 105 |
| 40,001 – 50,000 | 105 |
| 50,001 – 70,000 | 105 |
Airtel Money Withdrawal Charges
Like M-Pesa, Airtel Money also has Agent outlets located in various parts of the country. The charges for Withdrawal charges are usually higher than Transfer to other mobile networks, i.e., when sending to other networks, an amount between Ksh 60 000 to Ksh 250,000 will attract a charge of Ksh 105 while withdrawing the same amount from an agent will cost Ksh 300. Below is the detailed charges:
| Transaction Amount (Ksh ) | Charges (Ksh) |
|---|---|
| 1 – 49 | 10 |
| 50 – 100 | 15 |
| 101 – 500 | 25 |
| 501 – 1,000 | 25 |
| 1,001 – 1,500 | 25 |
| 1,501 – 2,500 | 25 |
| 2,501 – 3,500 | 44 |
| 3,501 – 5,000 | 55 |
| 5,001 – 7,500 | 70 |
| 7,501 – 10,000 | 95 |
| 10,001 – 15,000 | 135 |
| 15,001 – 20,000 | 150 |
| 20,001 – 25,000 | 160 |
| 25,001 – 35,000 | 160 |
| 35,001 – 40,000 | 240 |
| 40,001 – 45,000 | 260 |
| 45,001 – 50,000 | 270 |
| 50,001 – 70,000 | 300 |
Note
For those looking to carry out Agent Withdrawals, you must have your National ID card or Kenyan Passport with you.
Is Airtel money cheaper than M-Pesa?
Airtel Money and M-Pesa are the two leading mobile money wallet players in this niche in Kenya. As of 2025, as mentioned when we started the article, M-Pesa still dominated the space with a huge share, followed closely by Airtel Money. Despite this, however, the charges applied to both platforms differ slightly, and Airtel Money is the cheaper of the two.
Both platforms allow sending Ksh between 1 to Khs 250,000 with a maximum daily transaction value of Ksh 500,000. Where Airtel money is superior compared to Safaricom power bank ( M-Pesa) is that for all sending amounts between Airtel to Airtel, it is free, but for M-Pesa transfer within the same network, it is not entirely free as it charges Ksh 7 to Ksh 108.
When comparing transaction fees for withdrawing from the outlet’s agents, Airtel money is still cheaper across all the Transaction bands. For example, withdrawing Ksh 40,000 from an Airtel money agent attracts a fee of Ksh 240, while withdrawing the same amount from an M-Pesa agent attracts a fee of Ksh 278.
FAQs
How much does Airtel charge for sending money?
The amount Airtel Money charges for sending varies depending on the transaction tariff you are undertaking. For example, sending money from Airtel to Airtel users remains free of charge for all the amounts. Sending money to other mobile networks attracts charges from Ksh to Ksh 105.
How much does it cost to send 100 from Mpesa to Airtel money?
It costs Ksh 7 to transfer 100 bobs from M-Pesa to Airtel
What is the maximum amount Airtel Money account can hold?
Airtel money can hold a maximum amount of Ksh 500,000 as of 2025
Conclusion
Well, we hope that this guide has clearly helped you to understand all the fees involved with Airtel Money charges in Kenya as of 2025. The amount that Airtel charges is directly subtracted from your outstanding balance and varies based on the Transaction tariff that you are in, as we have explored in the article.
