Withdrawing cash from your M-Pesa account is one of the most frequent transactions Kenyans make daily, with Safaricom processing over 5 million M-Pesa withdrawal transactions every single day across its network of 300,000+ agents nationwide. According to Safaricom’s H1 FY26 financial report ending September 2025, M-Pesa withdrawal fees remain a critical revenue stream for the telecommunications giant, generating billions in annual transaction charges.
In 2026, M-Pesa withdrawal charges continue to follow a tiered pricing structure, with fees increasing proportionally with the amount withdrawn. Unlike sending money, which has seen various fee harmonizations since 2023, withdrawal charges remain significantly higher as a deliberate strategy by Safaricom to encourage cashless transactions within the M-Pesa ecosystem. For instance, withdrawing KSh 1,000 costs KSh 29, while sending the exact amount costs only KSh 13.
M-Pesa Agent Withdrawal Charges 2026
As of 2026, Safaricom operates the largest agent network in Africa, with over 300,000 registered M-Pesa agents distributed across all 47 counties in Kenya. These agents make it easy for anyone to withdraw any amount.
The minimum withdrawal at any M-Pesa agent outlet is KSh 50, enforced by Safaricom’s system to maintain operational efficiency. thus any amounts below this threshold cannot be processed through the agent channel. On the upper end, the maximum single withdrawal transaction is capped at KSh 250,000, which attracts the highest withdrawal fee of KSh 309.
As per Safaricom’s official tariff M-Pesa rates 2026, here is a complete breakdown of agent withdrawal charges:
| Amount Range (Ksh) | Charge (Ksh) |
|---|---|
| 1 – 49 | N/A |
| 50 – 100 | Ksh11 |
| 101 – 500 | Ksh29 |
| 501 – 1,000 | Ksh29 |
| 1,001 – 1,500 | Ksh29 |
| 1,501 – 2,500 | Ksh29 |
| 2,501 – 3,500 | Ksh52 |
| 3,501 – 5,000 | Ksh69 |
| 5,001 – 7,500 | Ksh87 |
| 7,501 – 10,000 | Ksh115 |
| 10,001 – 15,000 | Ksh167 |
| 15,001 – 20,000 | Ksh185 |
| 20,001 – 35,000 | Ksh197 |
| 35,001 – 50,000 | Ksh278 |
| 50,001 – 250,000 | Ksh309 |
Where To Point Attention
The KSh 2,501 – KSh 3,500 bracket is unique because it charges KSh 52 for withdrawal, which is actually KSh 1 less than the send money fee of KSh 53 for the same range. This is the only transaction band where withdrawing cash costs less than sending money electronically. Check this full article to understand Full M-Pesa Transaction Charges For 2026.
M-Pesa ATM Withdrawal Charges 2026
Withdrawing cash from M-Pesa via ATMs incurs higher charges compared to agent withdrawals. The minimum ATM withdrawal is KSh 200, whereas the minimum at M-Pesa agents is only KSh 50.
| Minimum (Ksh) | Maximum (Ksh) | Charge (Ksh) |
|---|---|---|
| 200 | 2,500 | Ksh35 |
| 2,501 | 5,000 | Ksh69 |
| 5,001 | 10,000 | Ksh115 |
| 10,001 | 35,000 | Ksh203 |
FAQs
How much does it cost to withdraw Ksh 20,000 from M-Pesa?
M-Pesa agent withdrawals cost KSh 185. However, if you use the cardless ATM withdrawal service, the charge would be KSh 203, since KSh 20,000 falls within the KSh 10,001-KSh 35,000 ATM bracket.
What are the M-PESA withdrawal charges at agents in 2026?
M-Pesa agent withdrawal charges range from KSh 11 to KSh 309, depending on the amount withdrawn. The minimum withdrawal at any agent is KSh 50, while the maximum single withdrawal is KSh 250,000.
How much is ATM withdrawal fee in Kenya using M-Pesa?
M-Pesa cardless ATM withdrawals in Kenya cost between KSh 35 and KSh 203 depending on the amount:
- KSh 200 – KSh 2,500: KSh 35
- KSh 2,501 – KSh 5,000: KSh 69
- KSh 5,001 – KSh 10,000: KSh 115
- KSh 10,001 – KSh 35,000: KSh 203
