Are these M-Pesa charges up to date?

This calculator estimates standard charges. Safaricom can change its tariffs, and Pay Bill charges depend on the business tariff. Confirm the final charge in your M-Pesa app or menu before paying.

Why is sending KES 50 free but KES 150 costs money?

Safaricom waives the charge for the smallest transactions - sending between KES 1 and KES 100 is free. Above KES 100, a small fee applies based on which amount band your transaction falls into.

Is paying with a Till number (Buy Goods) really free?

Buy Goods payments generally have no customer fee, but Safaricom lists fuel-station payments as an exception. Check the charge shown before confirming.

Why did my Pay Bill charge differ from a friend's for the same amount?

Safaricom offers several Pay Bill tariff arrangements: the customer can pay the full fee, the business can pay it, or they can split it. This calculator shows the Business Bouquet customer-pays tariff; check the final charge shown for your biller.

What is the cheapest way to receive payment as a seller?

A business Till usually has no customer fee, although the merchant may pay a collection fee and fuel-station payments are an exception. Compare the applicable Till and Pay Bill terms before choosing.

Is there a minimum or maximum amount for M-Pesa transactions?

The minimum agent or ATM withdrawal is KES 50. The maximum amount per single send, pay, or withdraw transaction is KES 250,000, and your M-Pesa wallet balance and daily transaction total are both capped at KES 500,000.

Do these charges already include tax?

The table shows the total listed transaction charge. Confirm the amount displayed by Safaricom before completing a payment.

Does this calculator cover Fuliza or M-Shwari?

No. This calculator covers standard M-Pesa transactions - sending money, Pay Bill, Buy Goods, and cash withdrawals. Fuliza overdraft fees and M-Shwari loan/savings charges follow a different pricing structure.

How much does M-Pesa charge to send KES 5,000?

Sending KES 5,000 to another M-Pesa number costs KES 57, because 5,000 sits in the 3,501-5,000 send-money band. The recipient gets the full KES 5,000 and you pay KES 5,057 in total. The fee is flat across the band, so KES 4,000 and KES 5,000 cost the same.

How much does it cost to send KES 18,000 via M-Pesa?

Using the standard Send Money tariff shown in this calculator, sending KES 18,000 to another M-Pesa number costs KES 105, so the total wallet debit is KES 18,105. Safaricom can change its rates, so confirm the fee shown in your M-Pesa app before sending.

Does it cost anything to receive money on M-Pesa?

Receiving a personal M-Pesa transfer does not normally charge the recipient. A business Till may incur merchant collection fees even when the customer pays no fee.

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M-Pesa charges calculator for Kenya

Quick answer: sending KES 4,000 or KES 5,000 to another M-Pesa number costs KES 57, so KES 4,057 leaves your account for a KES 4,000 transfer. Paying KES 4,000 to a Pay Bill where the customer pays costs KES 34.

Enter any amount to estimate the M-Pesa charge for Send Money, Pay Bill, Buy Goods or a withdrawal. Compare the tariff tables below and confirm the final fee in your M-Pesa app.

Instant result, no sign-up, no data saved.

Worked example

M-Pesa charge to send KSh 18,000

For Send Money to another M-Pesa number, KSh 18,000 falls in the KSh 15,001–20,000 tariff band. The listed charge is KSh 105, making the total wallet debit KSh 18,105. Check the amount in the calculator; confirm the final fee in your M-Pesa app because Safaricom rates can change.

M-Pesa charges by amount

These tables show Send Money fees and Safaricom's Business Bouquet Pay Bill fees, where the customer pays the full Pay Bill charge. Other Pay Bill arrangements may charge the business or split the fee. Confirm the amount in your M-Pesa app before paying.

Send Money charges

Send Money charges by transaction amount in Kenyan shillings
Amount (KES)	Fee (KES)
1–100	Free
101–500	7
501–1,000	13
1,001–1,500	23
1,501–2,500	33
2,501–3,500	53
3,501–5,000	57
5,001–7,500	78
7,501–10,000	90
10,001–15,000	100
15,001–20,000	105
20,001–250,000	108

Pay Bill charges: customer pays

Pay Bill charges: customer pays by transaction amount in Kenyan shillings
Amount (KES)	Fee (KES)
1–100	Free
101–500	5
501–1,000	10
1,001–1,500	15
1,501–2,500	20
2,501–3,500	25
3,501–5,000	34
5,001–7,500	42
7,501–10,000	48
10,001–15,000	57
15,001–20,000	62
20,001–25,000	67
25,001–30,000	72
30,001–35,000	83
35,001–40,000	99
40,001–45,000	103
45,001–250,000	108

Sources: Safaricom M-Pesa rates and Safaricom Pay Bill standard tariff. Rates can change.

Pick a transaction type

Send Money, Pay Bill, Buy Goods, or a cash withdrawal at an agent or ATM.

Enter the amount

Type the amount in KES, or tap a quick preset - the charge updates instantly as you type.

See the estimated cost

View the fee, your total wallet debit, and where your amount sits in the tariff table.

How it works

How M-Pesa charges are calculated

M-Pesa charges depend on the transaction type and amount band. Each band has a listed fee. Pay Bill charges also depend on the arrangement chosen by the business, and Safaricom may change rates over time.

Sending money costs more as the amount grows

Send Money and Pay Bill have different tariff tables. Select the transaction type that matches how you plan to pay.

Buy Goods (Till) generally has no customer fee

Buy Goods payments generally have no customer fee. Safaricom lists fuel-station payments as an exception, and merchants may pay collection fees.

Withdrawals cost more than sending

Cashing out at an agent or ATM is generally more expensive than sending the same amount to another M-Pesa number, since cash withdrawal moves money out of the mobile money system entirely.

Confirm the final charge

The calculator uses the listed transaction charge. Check the final amount shown in your M-Pesa app or menu before you confirm.

For sellers

Turn this into cheaper sales for your business

If you sell products or services, how your customer pays you changes what it costs them - and that can affect whether they complete the sale:

Compare a Till with a personal number. Asking a customer to send money to your personal M-Pesa number can cost them a fee. A business Till generally has no customer fee, though merchant fees may apply.
Be upfront about who pays a Pay Bill charge. If you use a Pay Bill number, decide whether you or your customer covers the fee, and say so clearly to avoid disputes over the amount received.
Show the total cost upfront. Add your payment details to a free LinkDuka invoice so customers know exactly how and where to pay before they buy.

Create a LinkDuka shop to list products and manage orders. Check which payment methods are available for your shop before promising customers a particular checkout option.

M-Pesa charges questions

Sending KES 4,000 to another M-Pesa number costs KES 57, because 4,000 sits in the 3,501-5,000 send-money band. The recipient gets the full KES 4,000 and KES 4,057 leaves your account. Paying KES 4,000 to a Pay Bill where the customer pays the fee costs KES 34. Safaricom can change its rates, so confirm the fee shown in your M-Pesa app.

Ready to accept M-Pesa payments?

Create a LinkDuka shop to share products, take orders, and accept M-Pesa payments from one branded link.

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View all tools

Business Till calculatorEstimate Till fees and what you receive. Till vs Paybill comparisonChoose the right M-Pesa collection flow. M-Pesa statement analyzerSee payment patterns from an M-Pesa CSV. Create an M-Pesa payment linkTurn a quote, invoice, product, or service into a shareable checkout link.