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M-Pesa Fee Calculator
Enter an amount — compare all three methods side by side
KES
KES 100KES 150,000
Send to M-Pesa
Registered recipient
Fee
Ksh 57
Total needed
Ksh 5,057
Recipient must have M-Pesa
Withdraw at Agent
Cash out at agent
Fee
Ksh 55
Total needed
Ksh 5,055
Collect cash from M-Pesa agent
Cheapest
Paybill / Bank / Till
Bill or bank deposit
Fee
FREE
Total needed
Ksh 5,000
Banks, utilities, government — always free
Sending to an unregistered number? Fee is Ksh 88 — Ksh 31 more. Ask them to register for M-Pesa first.
Bank deposit tip: If the recipient has a bank account, use Paybill instead of Send Money — it's free. Save Ksh 57 on this transaction.
Send Money — Full Fee Table (KES)
| Amount Range | Registered | Unregistered |
|---|---|---|
| 1–100 | Free | Free |
| 101–500 | 7 | 18 |
| 501–1,000 | 13 | 22 |
| 1,001–1,500 | 23 | 35 |
| 1,501–2,500 | 33 | 55 |
| 2,501–3,500 | 53 | 77 |
| 3,501–5,000 | 57 | 88 |
| 5,001–7,500 | 78 | 105 |
| 7,501–10,000 | 90 | 115 |
| 10,001–15,000 | 100 | 145 |
| 15,001–20,000 | 105 | 163 |
| 20,001–35,000 | 108 | 180 |
| 35,001–50,000 | 108 | 197 |
| 50,001–150,000 | 108 | 222 |
Withdraw at Agent — Full Fee Table (KES)
| Amount Range | Fee |
|---|---|
| 1–100 | Free |
| 101–500 | 11 |
| 501–1,000 | 22 |
| 1,001–1,500 | 33 |
| 1,501–2,500 | 33 |
| 2,501–3,500 | 35 |
| 3,501–5,000 | 55 |
| 5,001–7,500 | 77 |
| 7,501–10,000 | 88 |
| 10,001–15,000 | 99 |
| 15,001–20,000 | 105 |
| 20,001–35,000 | 108 |
| 35,001–50,000 | 111 |
| 50,001–150,000 | 111 |