Mpesa Charges – Mpesa rates and Mpesa paybill charges

Mpesa Charges 2023: Searching for the updated Safaricom Mpesa charges, M-pesa tariffs, Mpesa Rates, or Mpesa Paybill charges?  The current Mpesa charges to send money and Mpesa charges for withdrawal are the ones revised back in 2021 and they are as follows

Mpesa Charges – Mpesa rates and Mpesa paybill charges

Below are the Safaricom Mpesa Charges 2023

Mpesa Charges for Withdrawal

Min(KSh)	Max(KSh)	M-PESA 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	150,000	300

Read also: MySafaricom App

Mpesa Charges to Send Money  to Unregistered Users

Min(KSh)	Max(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	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	150,000	N/A

Read: Online Jobs in Kenya That Pay Through Mpesa

Mpesa Charges to Send Money to Registered M-Pesa Users

Min(KSh)	Max(KSh)	M-PESA Charges
1	49	FREE
50	100	FREE
101	500	6
501	1,000	12
1,001	1,500	22
1,501	2,500	32
2,501	3,500	51
3,501	5,000	55
5,001	7,500	75
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	150,000	105

Read: How to Report Mpesa Fraudsters

Mpesa Charges Sending Money to Other Mobile Users: Telkom & Airtel

Min(KSh)	Max(KSh)	M-PESA Charges
1	49	FREE
50	100	FREE
101	500	6
501	1,000	12
1,001	1,500	22
1,501	2,500	32
2,501	3,500	51
3,501	5,000	55
5,001	7,500	75
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	150,000	105

Mpesa ATM Withdrawal Charges

Find Mpesa ATM Withdrawal charges. These Safaricom Mpesa rates for ATM Withdrawal will guide you on the amount you want to withdrawal from your M-pesa through ATMs

Mpesa transaction rates or Charges vary according to the amount of money you want to withdrawal from the ATM

Min(KSh)	Max(KSh)	M-PESA Charges
2,501	5,000	67
5,001	10,000	112
10,001	20,000	197

Read: How to Get Mpesa Statement

M-Pesa Services or Products

M-Pesa has many services that it offers its users. It enables users to:-
•    Deposit and withdraw money
•    Make Payment or Settle bills
•    Transfer money to other users (Mpesa Unregistered Users and Mpesa Registered Users)
•    Buy Goods and Services
•    Transfer money from the platform to banks or from banks to M-Pesa
•    Purchase airtime

Mpesa transactions

• Maximum M-Pesa Balance is KShs 300,000
• To be able to transact with Mpesa, your Safaricom line and M-PESA account must be active
• The Maximum Daily Transaction Value is KShs 300,000.
• The daily maximum MPesa transaction  is Kshs 150,000
• M-Pesa limit increased Kshs 150,000
• At an M-Pesa agent, you cannot deposit money directly into another M-PESA customer’s account directly. You have to deposit the cash into your account first then transfer to the other person
• One earns Bonga points when they transact on M-PESA.
• To transact or register at any M-PESA Agent, you will be needed to identify yourself by producing your original identification document, that is National ID, Military ID, Passport, Diplomatic ID or Foreigner Certificate or Alien ID

Mpesa Paybill Charges

Are you paying your water bill, electricity bill, internet bill, paying goods online through lipa na mpesa? Below we have looked  mpesa paybill tariffs available to businesses opting to have lipa na mpesa account

1. Mpesa Paybill Charges -Business Mgao Tariff

This mpesa paybill tarrif normally splits mpesa paybill charges between the customer and business. Many businesses do not prefer this kind of tariff because it lead to other business expense that would lower their profit margins.

Mpesa paybill Business Mgao Tariff Min Max  Charges to Customer Charges to Business 1 49 0 0 0 50 100 0 0 0 101 499 23 0 23 500 999 23 0 22 1,000 1,499 23 12 35 1,500 2,499 23 12 35 2,500 3,499 34 22 56 3,500 4,999 34 22 56 5,000 7,499 34 51 85 7,500 9,999 34 51 85 10,000 34,999 34 79 113 35,000 49,999 45 157 202 50,000 70,000 69,999 150,000 49 49 161 161 210 210

2. Mpesa Paybill Charges-Business Bouquet Tariff

Under this tariff no charges are incurred by the business; the entire costs are paid by the customer hence higher mpesa paybill charges compared to Business Mgao Tariff. In most cases, this is the most preferred kind of tariff

 

	Mpesa paybill Business Bouquet Tariff
Min	Max	Customer Charges	Business Charges	Total
1	49	0	0	0
50	100	0	0	0
101	499	23	0	23
500	999	23	0	23
1,000	1,499	34	0	34
1,500	2,499	34	0	34
2,500	3,499	56	0	56
3,500	4,999	56	0	56
5,000	7,499	85	0	85
7,500	9,999	85	0	85
10,000	34,999	112	0	112
35,000	49,999	202	0	202
50,000 70,0000	29,999 150,000	210 210	0 0	210 210

3. Mpesa Paybill Charges- Customer Bouquet Tariff

The last kind of mpesa paybill tariff is Customer Bouquet Tariff, in this tariff the businesses choose to incur all the cost, the customer bears no cost.  It is the least considered kind of tariff for most businesses

Chart for mpesa paybill charges: Customer Bouquet Tariff

Customer Bouquet Tariff
Min	Max	Customer Charges	Business Charges	Total
1	49	0	0	0
50	100	0	0	0
101	499	0	23	23
500	999	0	23	23
1,000	1,499	0	34	34
1,500	2,499	0	34	34
2,500	3,499	0	56	56
3,500	4,999	0	56	56
5,000	7,499	0	85	85
7,500	9,999	0	85	85
10,000	34,999	0	112	112
35,000	49,999	0	202	202
50,000 70,000	69,999 150,000	0 0	210 210	210 210

 

It is now easier to estimate the amount of mpesa charges you will get as per above-described tariffs.