If you use M-PESA in Kenya, understanding the applicable transaction charges can help you know how much you will pay when sending, withdrawing or receiving money.
The M-PESA tariff is structured according to the amount being transacted and the type of transaction. Charges may differ for sending money, withdrawing from an M-PESA agent, transferring money to other mobile-money users, and making business payments.
In this guide, we explain the M-PESA tariff, the main transaction categories, and how you can download our M-PESA tariff template.
Download M-PESA Tariff Template
If you need a printable M-PESA tariff document, you can download our M-PESA Tariff Template.
The template is suitable for customers who want a clean copy for reference, printing or display.
The downloadable template includes the transaction ranges and charges displayed in the uploaded M-PESA tariff document.
This M-PESA tariff template can also be printed in A3 size for better visibility. The larger format makes transaction ranges and charges easier to read from a distance.
Note: Because tariffs can change, always compare the downloaded template with the latest information from Safaricom before using it as an official current tariff notice.
M-PESA Send Money Charges
M-PESA send-money charges are generally based on the amount being transferred.
The tariff structure uses transaction bands. Lower-value transactions can attract no charge, while higher transaction amounts may attract progressively higher fees.
Safaricom has previously implemented zero-rated low-value transactions as part of its M-PESA affordability measures. Its published information confirms that transactions of up to KSh 100 for person-to-person transfers have been zero-rated under M-PESA Kadogo.
M-PESA Withdrawal Charges
M-PESA withdrawals from an agent are also charged according to the amount withdrawn.
The withdrawal fee is different from the cost of sending money.
For this reason, you should check the applicable withdrawal charge before completing a large withdrawal.
The tariff template provides a separate “Withdrawal from M-PESA Agent” column, making it easy to compare sending and withdrawal costs.
M-PESA Transfer to Other Mobile Money Users
M-PESA customers can transfer money to other registered mobile-money users.
The applicable fee depends on the transaction amount and the applicable tariff.
When checking a tariff table, pay attention to the transaction range rather than looking only at the maximum amount you intend to send.
M-PESA Deposits
Depositing money into an M-PESA account through an agent is generally different from withdrawing money.
The tariff document lists all deposits as free.
However, customers should always confirm the current terms because Safaricom can revise tariffs and service conditions.
M-PESA Registration and Other Free Services
The tariff template also lists several services as free, including:
- M-PESA registration
- Buying airtime through M-PESA
- M-PESA balance enquiry
- Changing an M-PESA PIN
- Deposits
The exact availability and conditions of services should be confirmed through Safaricom’s current customer channels.
Frequently Asked Questions
What is the M-PESA tariff?
The M-PESA tariff is a schedule showing the charges applicable to different M-PESA transactions based on transaction amount and transaction type.
Can I download an M-PESA tariff template?
Yes. You can download the M-PESA tariff template provided on this page for printing and reference.
Final Thoughts
The M-PESA tariff helps customers understand the cost associated with different mobile-money transactions.
Related Resources
M-Pesa Deposit Commission Chart
M-PESA Agent Commission Calculator
M-Pesa Withdrawal Charges Calculator
M-Pesa Send Money Charges Calculator
Buy Goods Till Number Sticker Maker
M-Pesa Agent Number Sticker Templates
