Safaricom agents MPESA commission rates 2019

Safaricom agents MPESA commission rates 2019

How much does Safaricom pay MPESA agents who run mobile money transfer shops across Kenya? For long, it has been something like a secret that no one could understand how Safaricom calculates the amount it pays its agents. It was as difficult as trying to know how Google calculated the rates for its publishers. But today, everything has changed. You can know Google rates per ad click and Google rates per country, the same case with Safaricom.

Many entrepreneurs are in the MPESA business and employ agent assistants to run the shops. It is not as lucrative to start the business today as it would have been 10 years ago though, but still more people are trying their luck even though business failure is not a new thing with MPESA agent shops.

Safaricom calculates the commissions it pays agents using a band, and to released a new band in 2019 to guide how much one could earn from running an MPESA shop. The leader in mobile money transfer services in the world increased the commissions by between 12 percent and 170 percent across the bands to continue attracting more networks in its system.

Below is a table showing the agent commission bands used by Safaricom whenever someone deposits cash through the network.

Transaction band
(KES) Min
MaxCommission (KES)
50 100 4
101 510 8
511 1,010 9
1,011 1,510 10
1,511 2,510 11
2,511 3,510 12
3,511 5,010 14
5,011 7,510 20
7,511 10,010 28
10,011 15,010 40
15,011 20,020 55
20,021 25,020 71
25,021 30,020 87
30,021 35,020 103
35,021 40,020 119
40,021 45,020 135
45,021 50,020 150
50,021 60,020 190
60,021 70,000 190

Safaricom agent withdrawal commissions bands

Transaction Bands (KES) MinMaxWithdrawal by registered customers (KES)Withdrawal by unregistered customers (KES)
1049 N/AN/A
50 100 5 N/A
101 500 8 8
501 1,000 10 10
1,001 1500 12 12
1,501 2500 15 15
2,501 3500 20 20
3,501 500025 25
5,001 750030 30
7,501 10000 35 35
10,001 1500045 45
15,001 2000060 60
20,00125000 65 65
25,0013000070 70
30,001 35000 70 70
35,00140000 100 N/A
40,00145000 150 N/A
45,00150000 180 N/A
50,001 70000 200 N/A

Since sending money and receiving money between KES 49 – 100 is free, Safaricom does not give a commission for that amount. Click here to see the MPESA money transfer rates for 2019.

All the earnings are subject to 5 percent withholding tax. It is not quite clear how the company arrives at the commission split between super-agents and subagents, since super agents earn something from every transaction by a subagent to whom they have leased a an MPESA agent SIM card. Also the rates for MPESA Global transaction commissions are not clear.   

Author: Moshek Africa

Moshek Africa is a digital media research and development web service. The website offers informative content for a large audience interested in varied information. With a lot of interest in Kenya and the East African region tech, business, travel spaces, and Africa at large. It also covers universal content of interest to the world.