Our M-Pesa Withdrawal Charges Calculator provides instant, accurate fee breakdowns for both Agent and ATM transactions.
Withdrawal Charges Calculator
Related: M-Pesa Send Money Charges Calculator
Understanding M-Pesa Transaction Fees
How much are M-Pesa withdrawal charges?
Safaricom uses a tiered system where the cost depends on the amount range. Generally, transactions under KES 50 attract lower fees, while larger withdrawals are grouped into specific brackets. For instance, how much does it cost to withdraw 2000 from mpesa? Under the current 2026 tariff, the withdrawal fee for KES 2,000 at an agent is KES 32.
Agent vs. ATM Withdrawals
While most Kenyans prefer agents, ATMs are a viable alternative for amounts between KES 200 and KES 20,000. However, the costs differ. If you are wondering how much it costs to withdraw 20,000 from M-Pesa, the agent fee is typically KES 196, whereas an ATM withdrawal might cost slightly more at KES 210.
Calculating Common Transaction Amounts
- M-Pesa withdrawal charges for 10,000: Withdrawing KES 10,000 at an agent costs KES 121.
- Withdrawals above 50,000: For larger amounts up to KES 250,000, Safaricom applies a flat-rate cap or high-tier percentage depending on the specific bracket.
| Amount Range (KES) | Agent Withdrawal Fee | ATM Withdrawal Fee |
| 101 — 500 | KES 29 | N/A |
| 501 — 1,000 | KES 30 | N/A |
| 1,001 — 2,500 | KES 32 | KES 35 |
| 5,001 — 7,500 | KES 89 | KES 121 |
| 15,001 — 20,000 | KES 196 | KES 210 |
Whether you are at a shop or a bank machine, use the calculator to ensure you have enough balance to cover your transaction.
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