If you live in Kenya, chances are that you use M-Pesa every day, or you are thinking of starting to consider the possibilities of taking advantage of the e-payment app to send money, pay bills, buy airtime, or receive payments. But how much do you really pay for these services in 2025?
Let’s break it down in the simplest way possible so you can save more and spend smartly.
Sending money on M-Pesa (2025 rates):
Sending money is the most used M-Pesa transaction— good thing some transfers are still free, especially for small amounts.
Here is how it works:
- Ksh 1-49: Free
- Ksh 50-100: Free
- Ksh 101-500: Ksh 7
- Ksh 501-50,00: Ksh 13-108
- 50,001-250,000: Ksh 108
The charges are the same you’re sending to another M-Pesa user, Pochi La Biashara, or a Business Till (Buy Goods) number. This means paying a local business or sending money to a friend costs the same.
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