M-Pesa is one of Kenya’s leading mobile wallets, which Kenyans rely on daily for various transactions. Starting in 2025, you must pay up to Ksh 9 when withdrawing Money from any M-Pesa agent outlet. At the same time, the maximum amount you can transact in a day has also been raised to Ksh 500,000
Speaking to Tuko.co.ke Safaricom mentioned that the new charges were introduced last year in 2024, and these changes will affect users in all Transaction bands. For example, it will now cost you Ksh 11 to withdraw any amount between Ksh 50 and 100 shillings.
At the same time, the cost of withdrawing Ksh 101 to Ksh 500 has risen by Ksh 2 to Ksh 29 and Ksh 167, up from the Previous 161 to withdraw any amount from Ksh Ksh 10,001 to Ksh 15,000. The Maximum amount that one can withdraw in a single transaction is Ksh, which remains at Ksh 250,000, with a corresponding fee of Ksh 309.
What are the New M-Pesa Withdrawal charges in 2025?
Below is a full table of all M-Pesa withdrawal charges across all Bands:
| Transaction Bands | Charges in Ksh |
|---|---|
| 1 – 49 | N/A |
| 50 – 100 | 11 |
| 101 – 500 | 29 |
| 501 – 1,000 | 29 |
| 1,001 – 1,500 | 29 |
| 1,501 – 2,500 | 29 |
| 2,501 – 3,500 | 52 |
| 3,501 – 5,000 | 69 |
| 5,001 – 7,500 | 87 |
| 7,501 – 10,000 | 115 |
| 10,001 – 15,000 | 167 |
| 15,001 – 20,000 | 185 |
| 20,001 – 35,000 | 197 |
| 35,001 – 50,000 | 278 |
| 50,001 – 250,000 | 309 |
These new M-Pesa charges only affect withdrawals and are significantly higher compared to sending to other M-Pesa users. For example, sending Ksh from 1 to Ksh 100 to any M-Pesa user remains free, while withdrawals are Ksh 11. The higher limit for sending to other users is KSh 108, while Withdrawals are Ksh 309.
