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Mobile Money Fees in Kenya
M-Pesa, Airtel, T-Kash — including all government levies. Updated April 2026.
3 providersKESLevy active
KshKES
Compare Providers
| Provider | Send | Withdraw | Levy | Total |
|---|---|---|---|---|
MPSM-PesaCheapest | Ksh13.00 | Ksh29.00 | Ksh2.60 | Ksh15.60 |
AIRAirtelCheapest | Ksh13.00 | Ksh29.00 | Ksh2.60 | Ksh15.60 |
TKST-KashCheapest | Ksh13.00 | Ksh29.00 | Ksh2.60 | Ksh15.60 |
Fees shown for Ksh1,000 KES. Use the calculator above for your exact amount.
Provider Details
MPS
M-Pesa
Kenya · KES
Send money fees
| Free tier | Free |
| Ksh101-Ksh500 | Ksh7 |
| Ksh501-Ksh1,000 | Ksh13 |
| Ksh1,001-Ksh1,500 | Ksh23 |
Withdrawal fees
| Ksh50-Ksh100 | Ksh11 |
| Ksh101-Ksh500 | Ksh29 |
| Ksh501-Ksh1,000 | Ksh29 |
| Ksh1,001-Ksh1,500 | Ksh29 |
AIR
Airtel Money
Kenya · KES
Send money fees
| Free tier | Free |
| Ksh101-Ksh500 | Ksh7 |
| Ksh501-Ksh1,000 | Ksh13 |
| Ksh1,001-Ksh1,500 | Ksh23 |
Withdrawal fees
| Ksh50-Ksh100 | Ksh11 |
| Ksh101-Ksh2,500 | Ksh29 |
| Ksh2,501-Ksh3,500 | Ksh52 |
| Ksh3,501-Ksh5,000 | Ksh69 |
TKS
T-Kash
Kenya · KES
Send money fees
| Free tier | Free |
| Ksh101-Ksh500 | Ksh7 |
| Ksh501-Ksh1,000 | Ksh13 |
| Ksh1,001-Ksh1,500 | Ksh23 |
Withdrawal fees
| Ksh50-Ksh100 | Ksh11 |
| Ksh101-Ksh2,500 | Ksh29 |
| Ksh2,501-Ksh3,500 | Ksh52 |
| Ksh3,501-Ksh5,000 | Ksh69 |
Exchange Rates
Live
vs KES (Kenyan Shilling)
Updated Jun 3, 00:00 UTCAll rates →
Government Levies & Taxes
!
Excise Duty (20% on fee)
Levy activeKenya charges 20% excise duty on the transaction fee itself — not on the transfer amount. For example, a KES 13 M-Pesa fee becomes KES 15.60 total (KES 13 + KES 2.60 excise). Does NOT apply to Buy Goods (Till number) transactions. Watch: the Finance Bill 2026 currently under parliamentary debate proposes adding a 16% VAT on top of this 20% excise — not yet law.
Rate
20% on fee
Applies to
Send & withdraw
Paid by
Sender
Fee data last verified April 2026. Always confirm with your provider before large transactions.
Frequently Asked Questions
What is the 20% excise duty on M-Pesa?
Kenya charges 20% excise duty on the transaction fee itself — NOT on the transfer amount. For example, a KES 13 M-Pesa fee becomes KES 15.60 total (KES 13 + KES 2.60 excise).
Is M-Pesa free for small amounts?
Yes, M-Pesa charges no fee for sends between KES 1–100. Above that, fees start at KES 7.
What are the mobile money providers in Kenya?
The main mobile money providers in Kenya are M-Pesa, Airtel Money, T-Kash. Use our calculator above to compare fees across all providers.
Which is the cheapest mobile money provider in Kenya?
The cheapest provider depends on the amount. Use our fee calculator to compare all providers side by side for your specific amount.
How do I avoid paying high mobile money fees in Kenya?
Tips: 1) Compare providers using MomoCalc before sending. 2) Use the provider's app instead of an agent. 3) Send larger amounts less frequently. 4) Know the official fees so agents can't overcharge.