M-Pesa Transaction Charges Calculator 2025

New M-Pesa Charges Calculator 2025


M-Pesa has changed the way we handle money in Kenya today. If you use M-Pesa daily, knowing Transaction charges is very important. The charges that you incur depend on the amount of the transaction and the transaction type, i.e., sending or withdrawing.


Here at Mawese, we have done the work for you. Now we present you with Mpesa Transaction Charges Calculator 2025. Our Calculator is designed to help you stay informed about the latest transaction fees. With this tool, you can easily calculate charges for sending money to registered and unregistered users, agent withdrawals, and ATM withdrawals.

Why Choose Our Calculator?

Our tool is essential as it has the following features:

Latest 2025 Rates
Instant Calculations
All Transaction Types
Official Safaricom Charges

This calculator is the best way to ensure accurate M-Pesa charges. It's fast and always up-to-date.

Actual Charges

Transaction Type Charge (KES) Total Deduction (KES)
Transfer to M-Pesa Users 0 0
Transfer to Unregistered Users 0 0
Withdrawal from Agent 0 0
Transfer to Other Mobile Money Users 0 0
ATM Withdrawal 0 0

Transaction Limits

Maximum Account Balance: KShs. 500,000

Maximum Daily Transaction Value: KShs. 500,000

Maximum Amount per Transaction: KShs. 250,000

Minimum Withdrawal from Agent: KShs. 50

Transaction Comparison

Compare the cost of sending the amount once versus splitting into multiple transactions for Transfer to M-Pesa Users.

Frequently Asked Questions

M-Pesa charges are fees levied by Safaricom for using M-Pesa services, such as sending money, withdrawing cash, or paying bills. The charges vary based on the transaction type and amount.
To send money, go to the M-Pesa menu on your phone, select 'Send Money', enter the recipient's phone number, the amount, and your PIN. Confirm the details and send.
Extra charges may occur due to agent fees, network surcharges, or if the transaction type was different from expected (e.g., sending to an unregistered user). Check your transaction details or contact Safaricom support.
Sending to registered M-Pesa users typically has lower charges and the money is directly credited to their M-Pesa account. Sending to unregistered users involves higher charges and the recipient receives a voucher to redeem at an agent.
Yes, you can request a reversal by contacting Safaricom customer care or using the M-Pesa app. However, reversals are not guaranteed and depend on the recipient's actions.
To check your balance, go to the M-Pesa menu, select 'My Account', then 'Balance', and enter your PIN. You will receive an SMS with your balance details.

Charges last updated in 2025. Please check Safaricom's website for the latest rates.