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M-Pesa Charges Calculator: Sending, Withdrawal, Till & Paybill (2026)

This M-Pesa charges calculator Kenya estimates the Safaricom fee on sending and withdrawing money. Enter the amount once; we show both fees and the total round-trip cost.

Calculator
Result
Send KES 57 · Withdraw KES 69
AmountKES 5,000.00
Send to registered userKES 57
Withdraw at agentKES 69
Round-trip costKES 126
As % of amount2.52%

Buying goods via Till or Paybill is currently zero-rated for the customer. Withdrawal fees apply at M-Pesa agent and ATM tiers.

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M-Pesa fee structure in 2026

Safaricom charges three things: a send-money fee (to other registered users), a withdrawal fee (at agents and ATMs) and zero fees on Lipa na M-Pesa to a Till or Paybill (paid by the business via Customer-to-Business rates).

Send fees scale with amount, capping around KES 108. Withdrawal fees scale similarly and can exceed KES 300 on the largest tiers.

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Worked examples

Sending KES 5,000 to a friend who withdraws at an agent
  • Send fee = KES 57 · Withdrawal fee = KES 69
  • Round-trip cost = KES 126 (≈ 2.5%).

Frequently asked questions

Is Lipa na M-Pesa free for customers?
Yes. The customer pays nothing. The business pays Customer-to-Business (C2B) fees.
What is Pochi la Biashara?
A merchant wallet that lets small businesses receive M-Pesa from customers without paying the standard send fee.
Are these the official Safaricom rates?
They are based on the published 2026 Safaricom tariffs and rounded for an estimator. Always check the Safaricom site for exact figures.
Why are M-Pesa fees so high on large amounts?
Withdrawal fees include cash handling at agents. Use bank transfer or pay direct to till for large amounts.
Does Veira reduce my M-Pesa fees?
Veira routes the right payment method (Pochi vs Till vs Paybill) so the customer experience is smooth and your fees are minimised.

Doing this by hand every time? Veira runs the same calculation automatically on every sale, no spreadsheet required.

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