🇰🇪 Send Ksh100 in Kenya: fees by provider

Ksh100 is one of the smallest amounts people move in Kenya — roughly a couple of matatu rides and airtime. Kenya runs on M-Pesa, Safaricom's near-ubiquitous wallet, with Airtel Money and T-Kash matching the same regulated send tariff band for band.

Send pricing is a national banded tariff identical across operators, so in Kenya the choice is about M-Pesa's agent density and Lipa na M-Pesa acceptance, not the fee. At an effective 0% on the cheapest option (M-Pesa, Airtel and T-Kash), the fixed part bites hardest here — batching small sends or keeping the balance on the wallet saves the most.

At Ksh100, this amount falls in a pricing band where no fee applies at the reference provider. The next band starts at Ksh101, where pricing changes — worth knowing if your amount is near that threshold. Keeping money on the wallet to pay avoids any cash-out fee.

The Kenya send tariff is banded by amount: free Ksh1–Ksh100; flat Ksh7 Ksh101–Ksh500; flat Ksh13 Ksh501–Ksh1,000; flat Ksh23 Ksh1,001–Ksh1,500; flat Ksh33 Ksh1,501–Ksh2,500. That is why the cost depends as much on the amount as on the provider.

Excise Duty (20% on fee): 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). 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.