Updated M-PESA Transaction Charges 2022

M-PESA Transaction Charges-ugtechmag.com
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M-PESA is a mobile money transfer service. The service enables subscribers to deposit, save, transfer funds, pay utilities and withdraw money. All that comes at a cost as per M-PESA transaction.

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If you want to make a transaction using M-PESA I suppose that you should check the charges before you proceed with your transaction. The M-PESA charges depend on the amount you are sending or withdrawing. This article details the updated list of M-PESA charges for 2022.

Key-Pointers for M-PESA Transaction Charges

1. All account deposits are free.

2. The maximum account balance is KSHs.300,000

3. The maximum Daily Transaction Value is KSHs.300,000 and KSHs.150,000 per transaction.

4. M-PESA account-holders can withdraw money starting from KSHs.50 at any M-PESA agent outlet.

5. To initiate M-PESA person-to-person self reversal, send the transaction confirmation message to 456.

6. Customers cannot deposit money directly into another M-PESA customer’s account at the agent’s outlet.

7. You earn Bonga points when you transact on M-PESA.

8. To transact at any M-PESA Agent outlet, you will be required to produce your original identification document, i.e., National ID or Kenyan Passport.

Read Also: How to Reverse MPESA Money Sent to the Wrong Number

Transfer to M-PESA Customer

MinMaxCharges
1 – 49FREE
50 – 100FREE
101 – 5006
501 – 1,00012
1,001 – 1,50022
1,501 – 2,50032
2,501 – 3,50051
3,501 – 5,00055
5,001 – 7,50075
7,501 – 10,00087
10,001 – 15,00097
15,001 – 20,000102
20,001 – 35,000105
35,001 – 50,001105
50,001 – 150,000105

M-PESA Withdrawal Charges from M-PESA Agent

The figures listed below per tiers show withdrawal charges from the M-PESA agent.

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TIERS
Min(Kshs)/ Max(Kshs)
M-PESA Charges
1 – 49N/A
50 – 10010
101 – 50027
501 – 1,00028
1,001 – 1,50028
1,501 – 2,50028
2,501 – 3,50050
3,501 – 5,00067
5,001 – 750084
7,501 – 10,000112
10,001 – 15,000162
15,001 – 20,000180
20,001 – 35,00191
35,001 – 50,000270
50,001 – 150,000300

Transfer Charges to Unregistered Users

If you are planning to send money to a non-registered user, you will be charged as indicated in the table below.

TIERS
Min(Kshs)/ Max(Kshs)
M-PESA Charges
1 – 49N/A
50 – 100N/A
101 – 50045
501 – 1,00049
1,001 – 1,50059
1,501 – 2,50074
2,501 – 3,500112
3,501 – 5,000135
5,001 – 7,500166
7,501 – 10,000205
10,001 – 15,000265
15,001 – 20,000288
20,001 – 35,000309
35,001 – 50,000N/A
50,001 – 150,000N/A

Read Also: How to get MPESA Money for Deceased Person

Transfer Money to other M-PESA Users, Pochi La Biashara and Business Till To customer.

The charges below apply to transfer transactions from a registered M-PESA account to another MPESA user or Pochi La Biashara or business till to the customer.

TIERS
Min(Kshs)/ Max(Kshs)
M-PESA Charges
1 – 49FREE
50 – 100FREE
101 – 5006
501 – 1,00012
1,001 – 1,50022
1,501 – 2,50032
2,501 – 3,50051
3,501 – 5,00055
5,001 – 7,50075
7,501 – 10,0087
10,001 – 15,00097
15,001 – 20,000102
20,001 – 35,000105
35,001 – 50,000105
50,001 – 150,000105

Mpesa transactions rates: ATM Withdrawal

The following are the M-Pesa transaction charges for ATM Withdrawal:

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TIERS
Min(Kshs)/ Max(Kshs)
M-PESA Charges
200 – 2,50034
2,501 – 5,00067
5,001 – 10,000112
10,001 – 20,000197

Other M-Pesa Service Charges

Other TransactionsCharges
All deposits
M-PESA Registration
Buying Airtime
Balance Inquiry
Changing PIN