M-Pesa facilitates the transfer of funds between individuals and to businesses, each with its own tiered charging structure.
- To Registered M-Pesa Users, Pochi La Biashara, and Business Tills: These represent standard person-to-person (P2P) transfers and person-to-business (P2B) payments where the recipient is an M-Pesa registered user or a business operating with a Pochi La Biashara or Business Till. The charges are tiered based on the amount transacted.
- To Other Registered Mobile Money Users: M-Pesa also enables transfers to users on other mobile money platforms (e.g., Airtel Money). The charges for these inter-operator transfers are identical to those for sending money within the M-Pesa ecosystem, reflecting a harmonized pricing structure for such transactions.
M-Pesa Send Money Charges and Limits
The following table details the charges for sending money:
M-Pesa Send Money Charges (KSh)
| Transaction Range (KSHS) | Transfer to M-Pesa Users, Pochi La Biashara and Business Till to Customer | Transfer to Other Registered Mobile Money Users |
|---|---|---|
| 1 - 49 | Free | Free |
| 50 - 100 | Free | Free |
| 101 - 500 | 7 | 7 |
| 501 - 1,000 | 13 | 13 |
| 1,001 - 1,500 | 23 | 23 |
| 1,501 - 2,500 | 33 | 33 |
| 2,501 - 3,500 | 53 | 53 |
| 3,501 - 5,000 | 57 | 57 |
| 5,001 - 7,500 | 78 | 78 |
| 7,501 - 10,000 | 90 | 90 |
| 10,001 - 15,000 | 100 | 100 |
| 15,001 - 20,000 | 105 | 105 |
| 20,001 - 35,000 | 108 | 108 |
| 35,001 - 50,000 | 108 | 108 |
| 50,001 - 250,000 | 108 | 108 |
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