Use our 2026 M-Pesa Send Money Charges Calculator to find the exact cost of sending money to registered users.
Send Money Calculator
Calculated for Registered Mobile Money Transfer
Related: M-Pesa Withdrawal Charges Calculator
How much does M-Pesa charge to send money?
Safaricom utilizes a tiered pricing model. One of the most significant changes in 2026 is the removal of the "Unregistered User" category for person-to-person transfers. To receive money, a user must now be registered on a mobile money platform.
Whether you are sending 500 via M-Pesa charges or much larger amounts, the fee is fixed within specific brackets. For example, sending 500 via M-Pesa charges costs a flat rate of KES 7.
M-Pesa Send Money Charges (Key Tiers)
To give you a quick idea of your daily costs, here are the current 2026 rates for common transaction amounts:
- Sending 500 via M-Pesa charges: It will cost you 7 KSh to send 500 KSh to a registered user.
- Sending 1,000 via M-Pesa charges: The fee for sending 1,000 KSh is 13 KSh.
- Sending 5,000 via M-Pesa charges: For this amount, you will be billed 57 KSh.
- Sending 10,000 via M-Pesa charges: Sending 10,000 KSh attracts a charge of 90 KSh.
2026 M-Pesa Send Money Charges
| Transaction Range (Ksh) | To M-Pesa User | To Other Networks (Airtel / T-Kash) |
| 1 – 100 | Free | Free |
| 101 – 500 | 7 | 7 |
| 501 – 1,000 | 13 | 13 |
| 1,001 – 1,500 | 23 | 23 |
| 1,501 – 2,500 | 33 | 33 |
| 2,501 – 3,500 | 53 | 53 |
| 3,501 – 5,000 | 57 | 57 |
| 5,001 – 7,500 | 78 | 78 |
| 7,501 – 10,000 | 90 | 90 |
| 10,001 – 15,000 | 100 | 100 |
| 15,001 – 250,000 | 108 | 108 |
FAQs
Q: How much to send 5000 shillings?
To send 5,000 KSh to a registered M-Pesa or Airtel Money user in 2026, you will be charged 57 KSh.
Q: What is the new M-Pesa charges 2026?
The 2026 charges remain consistent with the 2024/2025 adjustments following the Finance Act. Key highlights include:
- Maximum daily limit: 500,000 KSh.
- Maximum per transaction: 250,000 KSh.
- Transactions below 100 KSh: Free for registered users.
Q: How does M-Pesa calculate charges?
M-Pesa uses a stepped tariff system. This means charges are not a flat percentage but are fixed within specific "bands" or ranges. For example, any amount between 501 KSh and 1,000 KSh carries the same 13 KSh fee.
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