Kenya Mobile Money Charges
M-Pesa, Airtel, T-Kash - including all government levies. Updated July 2026.
How much does it cost to send money via mobile money in Kenya?
In Kenya, mobile money fees vary by operator (M-Pesa, Airtel, T-Kash) and amount band. Use the calculator below for the exact cost in KES, including government levies. Typical fees range from flat unit amounts to a percentage of the transfer; withdrawals usually add a separate charge.
Compare M-Pesa, Airtel, T-Kash fees in Kenya
| Provider | Send | Withdraw | Levy | Total |
|---|---|---|---|---|
MPSM-PesaCheapest | Ksh13.00 | Ksh29.00 | Ksh1.95 | Ksh14.95 |
AIRAirtelCheapest | Ksh13.00 | Ksh29.00 | Ksh1.95 | Ksh14.95 |
TKST-KashCheapest | Ksh13.00 | Ksh29.00 | Ksh1.95 | Ksh14.95 |
Which mobile money providers work in Kenya?
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 |
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 |
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 |
KES exchange rates
Livevs KES (Kenyan Shilling)
Government Levies & Taxes
Excise Duty (15% on fee)
Levy activeKenya charges 15% excise duty on the transaction fee itself — not on the transfer amount. For example, a KES 13 M-Pesa fee becomes KES 14.95 total (KES 13 + KES 1.95 excise). The rate was raised from 12% to 15% by the Finance Act 2023. Does NOT apply to Buy Goods (Till number) transactions. The 16% VAT on person-to-person mobile money transfers proposed by the Finance Bill 2026 was DROPPED in the version passed by the National Assembly in June 2026, so no VAT applies on top of this excise.
Fee data last verified July 2026. Always confirm with your provider before large transactions.
Sending money to Kenya?
Compare the services that deliver to Kenya - neutral verdict, no-affiliate, with the real recipient-side costs.