Mpesa Rates depend upon the amount being sent or withdrawn. You can use the Mpesa menu on your phone for services like:

  • Buying airtime for yourself or for someone else
  • Paying Bills and services through the Lipa Na Mpesa Menu
  • Buy Goods and Services and so many other things

In order to register or transact at any Mpesa Agent outlet, you will be required to produce your National ID, Passport, Military ID, Diplomatic ID or Alien ID/Foreigner Certificate for IIdentification purposes.

New Mpesa Rates Updated July 2018

Mpesa Charges
Image Source: Nairobi News

The new Mpesa rates have been implemented because the Kenyan government proposed a 2% increase on the excise duty charged on service providers. This forced Safaricom to adjust upwords the amount they charge you to transact Mpesa.

The following are the Mpesa charges that were updated in 2018 by Safaricom LLC.

Mpesa Charges for Withdrawal from an Mpesa Agent

Minimum Ksh Maximum Ksh M-PESA Charges Ksh
1 49 N/A
50 100 10
101 500 27
501 1,000 28
1,001 1,500 28
1,501 2,500 28
2,501 3,500 50
3,501 5,000 67
5,001 7,500 84
7,501 10,000 112
10,001 15,000 162
15,001 20,000 180
20,001 35,000 191
35,001 50,000 270
50,001 70,000 300

Mpesa Rates for Transfer to Unregistered Users

Minimum Ksh Maximum Ksh M-PESA Charges
1 49 N/A
50 100 N/A
101 500 45
501 1,000 49
1,001 1,500 59
1,501 2,500 74
2,501 3,500 112
3,501 5,000 135
5,001 7,500 166
7,501 10,000 205
10,001 15,000 265
15,001 20,000 288
20,001 25,000 309
25,001 35,000 303
35,001 50,000 N/A
50,001 70,000 N/A

Mpesa Transactions Rates for Transfer to other Mpesa Users

Minimum Ksh Maximum Ksh M-PESA Charges
1 49 Free
50 100 Free
101 500 11
501 1,000 15
1,001 1,500 26
1,501 2,500 41
2,501 3,500 56
3,501 5,000 61
5,001 7,500 77
7,501 10,000 87
10,001 15,000 97
15,001 20,000 102
20,001 35,000 105
35,001 50,000 105
50,001 70,000 105

Mpesa Transactions Rates: ATM Withdrawal

Minimum Ksh Maximum Ksh M-PESA Charges
200 2,500 34
2,501 5,000 67
5,001 10,000 112
10,001 20,000 197


  • The maximum Account Balance one can maintain is Ksh 100,000
  • Maximum Daily Transaction Value is Ksh 140,000. Maximum per transaction is KSHs.70,000
  • No withdrawal can be made for Ksh 50 at an Mpesa agent or ATM outlet
  • Your Safaricom line and Mpesa account must be active in order to transact
  • No direct deposits are allowed into other Mpesa customers account.
  • You earn Bonga points when transacting on Mpesa.

Lipa Na Mpesa Charges

Lipa na Mpesa is a service that allows you to buy and pay for goods and services easily through the Mpesa menu on your phone and also to Pay Bills like Electricity, water, Rent, Parking, NHIF, Insurance etc

Read also: How to get Monthly Mpesa statements on your email

To use Lipa Na Mpesa when buying goods, go to the Mpesa Menu, select Lipa Na Mpesa and select Buy Goods and services, then enter the Till Number provided by the merchant then follow subsequent prompts to complete the transactions.

Charges for Buy Good and Services

For the customer buying the goods, the service is free for the merchant, a small fee of 1% of the value of the transaction is charged every transaction. This charged value is recovered by Safaricom when the Merchant moves his collections from the Till. You should receive confirmation messages from Mpesa. For Paying Bills Select PayBill, enter paybill number, account, and amount.

This is a cash collection service that allows organizations to collect money on a regular basis from your customers through Mpesa

Lipa na Mpesa charges differ from normal Mpesa charges and other transaction charges. You can use the service to pay between 50 shillings and Ksh 70,000. To check for Lipa na Mpesa charges:

  • Dial *234# on your phone
  • Select option 2 “My Mpesa Information”
  • Choose option 2 again “Tariff Query”
  • Select Option 5 “Lipa na Mpesa”
  • Enter Paybill Number or Merchant Till Number
  • Enter the amount charged by the business

You will receive an SMS notification for the cost of transaction for that amount to that Paybill number. Note that, for Lipa Na Mpesa Charges, You need the business Playbill number/ Merchant Till number to find the corresponding Lipa na Mpesa charges.

When shopping online select Lipa Na Mpesa mode of payment from the available modes, follow the steps provided to complete to transaction.

You only need your Bonga PIN to validate payments using Lipa Na Mpesa online, secure Bonga Points transfer and purchase of Data Bundles via Mpesa.

To get your Bonga point PIN,

For Prepaid customers, dial *126*5# and provide relevant information
For PostPaid customers call line 200 for assistance. If you need to change your Bonga PIN, Dial *126*5# and use the options provided. Contact Safaricom for fast response.

Revised Lipa Na M-Pesa charges (2018)

Recently, Safaricom revised the Lipa na M-Pesa charges by reducing them from 1% of the total amount sent to 0.5% of the total amount sent. Having cut the charges by half is a symbol of social responsibility that Safaricom has exemplified. It is not like they do not enjoy the profits. But sympathizing with the stakeholders is one virtue that cannot be taken for granted.

However, the charges will not apply for Petrol Station pay bills and gaming merchants. For payments above Ksh 40,000, there will be a flat fee of Ksh 200. However, transactions below 200/= will not be charged. Presently, Mpesa has over 24milllion customers across the country 114000 M-Pesa Agents and 54,000 merchants which is a good threshold that is growing by the day.

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