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New M-PESA Charges 2019

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Are you looking for the new MPESA charges in2019? This is the most comprehensive guide on updated MPESA rates in Kenya.

By the end of this amazing guide, I hope to answer the following questions?

  • What are the latest Safaricom MPESA charges?
  • What is the maximum amount of money I can withdraw from MPESA?
  • What is the minimum amount of money I can withdraw from MPESA?
  • How much does it cost to withdraw money from an MPESA agent?
  • How much does it cost to send money to an unregistered Safaricom Number?
  • What is the cost of transferring money from MPESA to Airtel money?
  • What are the MPESA charges for sending money to Telkom (T-Kash)?
  • What are the latest lipa na MPESA Charges?

In addition to answering these questions, I will also provide other information I deem important. At the end of the guide, I will provide you with the latest MPESA charges PDF 2019 so you can refer to it while offline.

POPULAR GUIDEHow to Start a Profitable MPESA Agent Business – Complete Guide 2019

Before we begin, I would like to mention a few rather obvious things. First of all, to start using MPESA, you have to register your Safaricom line with the service. This is not done automatically when you buy a Safaricom line.

The good news is, you can register for FREE at any MPESA agent outlet. If any MPESA agent charges you for registration, you should contact Safaricom immediately.

I know this information is commonplace but for the sake of people who are not familiar with MPESA or Safaricom line registration, we will go over it one more time.

How to Register for MPESA in Kenya 2019

MPESA registration is exclusively done by an MPESA/Safaricom agent. It is not something you can do on your own. First of all, you need a Safaricom line. You can either replace your old line or buy a new Safaricom line.

Most MPESA agents also sell Safaricom lines so you can register it as soon as you buy it.

To register a Safaricom line, you will to provide the following information:

  • Full real names
  • Date of birth
  • Original national ID/ Alien ID/ Diplomatic ID/ Passport/Military ID card or any other relevant document.

If the registration is successful, both you and the agent will receive a confirmation message from Safaricom. You will then be required to activate your account. You will be given a 4-digit start key which you will use as your initial PIN and change it during activation.

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How to Activate Your MPESA Account

After registering, you will still need to activate your MPESA account in order to start using it. You can activate the account on your own.

To do this, follow the following very simple steps

  • Go to MPESA
  • Select ‘Activate’ or ‘Wezesha
  • Enter the 4-digit number provided by Safaricom
  • Create a new unique 4-digit PIN number. Do not show the agent or anyone else your MPESA PIN!
  • Enter your NEW PIN again to confirm it.
  • Enter you ID number. Should be the same that was used to register your Safaricom line.
  • Complete and updated MPESA menu will be send on your phone together with a ‘Secret Word’. Tap on ‘OK’ to complete registration. The secret word is unique to you only and should not be shared with anyone else.

After you activate your account, you can start using MPESA services. Keep in mind that you can only send up to KSh. 140,000 via MPESA in a day. A single transaction is limited to KSh. 70,000 so that means you will have to send the money twice to achieve the daily threshold.

The minimum amount you can withdraw via MPESA in a day is Ksh. 50

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Latest MPESA Withdrawal Charges 2019 – Cost of Withdrawing Money from MPESA Agents

MPESA withdrawal charges depends on the amount you intend to withdraw.

How to withdraw money from MPESA

  • Go to MPESA
  • Select the second option, ‘Withdraw Cash’
  • Choose ‘From Agent’
  • Enter the Agent Number
  • Enter amount you want to withdraw
  • Enter Your MPESA PIN number
  • Confirm withdrawal details within 25 seconds. If the details are wrong, you can cancel the withdrawal by replying with any number. If they are correct, press Cancel.

Here are the latest MPESA withdrawal charges in 2019

Min (KES)Max (KES)MPESA Charges
149N/A
5010010
10150027
5011,00028
1,0011,50028
1,5012,50028
2,5013,50050
3,5015,00067
5,0017,50084
7,50110,000112
10,00115,000162
15,00120,000180
20,00125,000191
25,00130,000191
30,00135,000191
35,00140,000270
40,00145,000270
45,00150,000270
50,00170,000300

M-PESA Charges for sending money to other Users (New MPESA Rates 2019)

What are the the MPESA rates for sending money to other users? The answers are in the table below. Keep in mind that you can also send money to people without Safaricom numbers such as Airtel or Telkom.

How to send money to other MPESA Users

  • Go to MPESA
  • Select the first option , ‘Send Money’
  • Enter the phone number of the person you want to send money to. The number should have been registered for MPESA.
  • Enter the amount you want to transfer
  • Enter MPESA PIN
  • Confirm by pressing ‘OK’
Min (KES)Max (KES)M-PESA Charges
149Free
50100Free
10150011
5011,00015
1,0011,50026
1,5012,50041
2,5013,50056
3,5015,00061
5,0017,50077
7,50110,00087
10,00115,00097
15,00120,000102
20,00125,000105
25,00130,000105
30,00135,000105
35,00140,000105
40,00145,000105
45,00150,000105
50,00170,000105

Charges for transferring money from M-PESA to Airtel Money (Latest MPESA to Airtel Transaction Charges)

It is now very easy to send money from MPESA to Airtel.

How to send Money from MPESA to Airtel Money Account

  • Dial *234#
  • Select Mpesa Products
  • Enter 98 to go to the next page
  • Select option 8 – Tuma Pesa Popote
  • Enter the Airtel number you want to send money to
  • Enter you MPESA PIN
  • Confirm details and complete transaction

M-Pesa to Airtel Money Transaction Charges

Min (KES)Max (KES)M-PESA Charges
149Free
50100Free
10150011
5011,00015
1,0011,50026
1,5012,50041
2,5013,50056
3,5015,00061
5,0017,50077
7,50110,00087
10,00115,00097
15,00120,000102
20,00125,000105
25,00130,000105
30,00135,000105
35,00140,000105
40,00145,000105
45,00150,000105
50,00170,000105

MPESA to T-Kash (Telkom Money) Transfer Charges 2019

To transfer money from MPESA to T-Kash, use the same procedure used for Airtel.

Here are the MPESA to Telkom (T-Kash) Transaction Charges 2019

Min(KES)Max(KES)M-PESA Charges
149Free
50100Free
10150011
5011,00015
1,0011,50026
1,5012,50041
2,5013,50056
3,5015,00061
5,0017,50077
7,50110,00087
10,00115,00097
15,00120,000102
20,00125,000105
25,00130,000105
30,00135,000105
35,00140,000105
40,00145,000105
45,00150,000105
50,00170,000105

New MPESA Transfer Charges to Unregistered Users  (2019)

These are the MPESA charges for sending money to unregistered users.

Min (KES)Max (KES)M-PESA Charges
149N/A
50100N/A
10150045
5011,00049
1,0011,50059
1,5012,50074
2,5013,500112
3,5015,000135
5,0017,500166
7,50110,000205
10,00115,000265
15,00120,000288
20,00125,000309
25,00130,000309
30,00135,000309
35,00140,000N/A
40,00145,000N/A
45,00150,000N/A
50,00170,000N/A

MPESA to ATM Withdrawal Charges 2019

Anyone who is registered with MPESA can access the ATM Withdrawal services. The service is currently available at:

  • PesaPoint
  • Equity Bank Branches
  • Diamond Trust Bank
  • KCB Branches
  • Family Bank
  • NIC Bank

How to Withdraw Money From MPESA to ATM

  • Go to M-PESA
  • Withdraw Cash
  • From ATM
  • Enter Agent Number. If you are withdrawing from Pesapoint, Diamond Trust Bank, KCB, Family Bank and NIC Bank, the agent number is 555555. The Equity Bank MPESA agent number is 286286.

You will receive a confirmation message from M-PESA with a 6-digit authorization code. Do not share the code with anyone (The code expires within 10 minutes if you do not use it. After 10 minutes you will need to start the transaction afresh).

Then on the ATM:

  • Press the M-PESA button on ATM of your preferred bank
  • Select language
  • Key in the 6-digit ATM Authorization Code that you received from MPESA.
  • Enter your Safaricom MPESA number.
  • Enter the amount you want to withdraw
  • Select CONTINUE
  • If the transaction is successful, you will receive an SMS from MPESA confirming the same.

READ ALSO – How to Start a Profitable Salon Business in Kenya

These are the latest MPESA to ATM Withdrawal Charges

Min (KES)Max (KES)M-PESA Charges
2002,50034
2,5015,00067
5,00110,000112
50120,000197
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Written by Nathan Laibuch

Nathan Laibuch is the Founder and Chief Editor at FleekBook.

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