20.3k Views 800 Votes by L.K. Nathans updated July 17, 2022, 6:48 am inMPESA

New M-PESA Charges 2022

These are the latest and updated MPESA charges in Kenya.

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.

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.

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

RECOMMENDED GUIDE – How to Start a Highly Profitable Mitumba Business in Kenya

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
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	25,000	191
25,001	30,000	191
30,001	35,000	191
35,001	40,000	270
40,001	45,000	270
45,001	50,000	270
50,001	70,000	300

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
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	25,000	105
25,001	30,000	105
30,001	35,000	105
35,001	40,000	105
40,001	45,000	105
45,001	50,000	105
50,001	70,000	105

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
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	25,000	105
25,001	30,000	105
30,001	35,000	105
35,001	40,000	105
40,001	45,000	105
45,001	50,000	105
50,001	70,000	105

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
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	25,000	105
25,001	30,000	105
30,001	35,000	105
35,001	40,000	105
40,001	45,000	105
45,001	50,000	105
50,001	70,000	105

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
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	30,000	309
30,001	35,000	309
35,001	40,000	N/A
40,001	45,000	N/A
45,001	50,000	N/A
50,001	70,000	N/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.