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MPESA transaction charges 2019

MPESA rates

The MPESA transaction rates 2019 are still the same since they were adjusted by the Financial Bill 2018. Following implementation of the bill, mobile money transactions attract an excise duty of 15 percent. Before the bill was effected, excise duty was pegged at 10 percent.

MPESA to MPESA charges in KES

Min Max Transfer to MPESA user
1 49 Free
50 100 Free
101 500 11
501 1000 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
50,101 70,000 105

Agent to MPESA withdrawal charges

Min Max Withdrawal from MPESA agent
1 49 n/a
50 100 10
101 500 27
501 1000 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
50,101 70,000 300

MPESA to unregistered simcard charges 2019

Min Max Transfer to unregistered user
1 49 n/a
50 100 n/a
101 500 45
501 1000 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 35,000 309
35,001 50,000 n/a
50,101 70,000 n/a

MPESA ATM withdrawal charges 2019

Min Max Charges
200 2,500 34
2,501 5,000 67
5,001 10,000 112
10,001 20,000 197

Other MPESA Transaction charges

All deposits – Nil

MPESA Registration – Nil

MPESA balance enquiry – Nil

MPESA airtime purchase for own or different number – Nil

How much can you withdraw on MPESA

MPESA allows a transfer of at least KES 1 and a maximum of KES 70,000. Therefore, the maximum MPESA transaction you can make at any given time is KES 70,000. This applies to whether you are sending money to someone on a Safaricom network, across other money platforms, or withdrawing cash from a mobile money agent.

However, if you want to make transactions that are higher than that, then you have to do it in installments. The maximum MPESA transaction in a single day is KES 140,000. If you make transactions in bits, you will not be able to make more deposits and withdrawals once you hit the daily limit.

For you to successfully deposit money into your MPESA account, you have to give an allowance of about 10 minutes between every transaction. You will not be able to make successive transaction when another transaction is still being processed. The least amount to withdraw from an MPESA agent is KES 50. You can also send MPESA to Airtel Money and T-Kash.

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