Is there a charge for sending money to an unregistered M-Pesa user?

Yes. Sending money to an unregistered user (Pesa Pap) attracts a higher fee than sending to a registered user. For instance, sending Ksh 500 to an unregistered user costs Ksh 47, compared to Ksh 7 for a registered user.

Official M-Pesa Fee Calculator Kenya 2026

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Official Tariff Table Updated 2026

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Understanding M-Pesa Transaction Charges in 2026

Safaricom's M-Pesa remains Kenya's most trusted mobile money service. Staying informed about the latest M-Pesa fees is crucial for effective personal and business finance management. This calculator provides real-time, accurate breakdowns based on the official 2026 Safaricom tariff guidelines.

Send Money: Standard charges for transferring funds to registered M-Pesa users across all networks.
Agent Withdrawals: Fees incurred when cashing out your mobile money at an authorized M-Pesa agent till or till number.
Unregistered Users (Pesa Pap): Specific, slightly higher rates applied when sending money to a non-M-Pesa phone number, which the recipient picks up via USSD.
ATM Withdrawals: Costs associated with using your linked M-Pesa Visa/Mastercard at local and international ATMs.

Note: All displayed rates are inclusive of applicable government taxes and regulatory fees as mandated by the Communications Authority of Kenya (CA).

Frequently Asked Questions (FAQ)

How are M-Pesa withdrawal fees calculated?

M-Pesa withdrawal fees are tiered based on the amount you withdraw. For example, withdrawing between Ksh 101 and 2,500 incurs a flat fee of Ksh 29. Larger amounts, such as Ksh 50,001 to 250,000, incur a maximum fee of Ksh 309.

Is there a charge for sending money to an unregistered user?

Yes. Sending money to an unregistered user attracts a higher fee than sending to a registered M-Pesa user to cover the additional processing. For instance, sending Ksh 500 to an unregistered user costs Ksh 47, compared to Ksh 7 for a registered user.

What is the M-Pesa ATM withdrawal charge?

Withdrawing cash using your M-Pesa card at an ATM costs Ksh 35 for amounts between Ksh 200 and 2,500. The fee scales progressively, reaching Ksh 203 for withdrawals between Ksh 10,001 and 35,000.

Are these M-Pesa calculator rates updated for 2026?

Yes, this tool is continuously maintained to reflect the latest official Safaricom M-Pesa tariff adjustments, ensuring you always get accurate, up-to-date estimates for your transactions.