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Mpesa withdrawal charges 2019 that Safaricom Agents charge you when withdrawing cash through Mpesa vary depending on the amount you are sending or withdrawing through an ATM. On some transaction you don’t get charges, like when buying Safaricom airtime using Mpesa.

Every now and then when we want to pay, withdraw or send money using Mpesa, we always try to remember how much Mpesa charges we may incur during the transaction. As much as today Safaricom sends the Mpesa charge after the transaction, most of the times one would like to be aware of the cost before going through with the transaction.

The Mpesa withdrawal charges 2019 that can be found below on this article, may help as a check list of the Mpesa charges right before you do any Mpesa transaction, enabling you know for sure how much your total cash out including the cost will be. These rates are the updated Mpesa charges that were raised slightly by Safaricom in July 2018.

Today, mobile money in Kenya has been the business driver enabling even the smaller traders and businesses. The number of Kenyans who were unbanked before Mpesa was quite high especially in the rural areas. Mpesa really was a game changer and the world over has even tried to emulate its success. This hasn’t been easy in the other regions of the world mainly because the Kenyan dynamics were different.

New Safaricom Mpesa Rates of July 2018

During the 2018 Kenyan Government Finance Bill, a new mobile money transfer tax was introduced. This happened on the 1st of July 2018 which in turn may have affected the Safaricom transfer and withdrawal charges costs for Mpesa transactions. Safaricom Mpesa transactions are best made to other Mpesa subscribers, since sending Mpesa cash to un registered Safaricom Mpesa user will always attract slightly higher Mpesa charges. The maximum one can send using Mpesa still stands at Ksh 70,000 per transaction with a daily Mpesa transaction limit of Kshs 140,000.

Use the Mpesa charges table below to get the Mpesa withdrawal rates you will incur when withdrawing Mpesa cash from an Mpesa Agent. The table also shows the Safaricom Mpesa ATM charges that the ATM machine will deduct to cover the cost of the transaction.

Please note:  You cannot withdraw less than Ksh 50 from an Mpesa agent. You can transfer any amount larger than Ksh 10 to another Mpesa user. Below find the Safaricom Mpesa charges.

Safaricom Mpesa Charges 2019

Min (Ksh)Max (Ksh)Transfer to other M-PESA UsersTransfer to Unregistered UsersWithdraw From M-PESAAgent

Safaricom Mpesa Withdrawal Charges for ATM

Mpesa Transaction Range (Ksh)
Min (Ksh)Max (Ksh)Mpesa Charges

Other Safaricom Mpesa Transaction Charges

Mpesa TransactionMpesa Charges (Ksh)
Change M-PESA PIN22
All Deposits0/FREE
Register for M-PESA0/FREE
Buy Airtime0/FREE
Check M-PESA Balance1

Safaricom Mpesa Charges


  • Safaricom allows a maximum account balance of Ksh 100,000 on your Mpesa account.
  • The maximum daily Mpesa Transaction amount is Ksh 140,000 with each Mpesa transaction not exceeding Ksh 70,000 per transaction.
  • Safaricom does not allow you to withdraw less than Ksh 50 at an MPESA agent, probably the Safaricom Mpesa charges for this is not stated.
  • To use Mpesa, your Safaricomline and MPESA account must be active and operational.
  • At an Mpesa agent, you cannot deposit money directly into another MPESA customer’s account, all transactions under your account must be excusive for your account by you.
  • You earn Safaricom Bonga points when you do any transact on MPESA which can be redeemed for Safaricom products or offers.
  • To register or transact at any MPESA Agent, you are required to produce your original identification document, i.e., National ID, Passport, Military ID, Diplomatic ID or Alien ID/Foreigner Certificate.

We hope the Safaricom Mpesa Charges shown here will be helpful when looking to send, withdraw or make your loan repayments especially if you have taken Mpesa loans like the popular Barclays Timiza loans.

For Mpesa Loans check out these Top 10 Loan Apps in Kenya, KCB Mpesa Loan, Saida Loan, MShwari, Timiza Loan, Branch loan, okolea loan, Okash loan, Tala Loan.

Before taking a loan it is wise to read our 5 Questions to ask yourself before you take a Loan.

See: How to apply Fuliza Mpesa Loan

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