Home Mobile money M-Pesa charges KSh 20,000 M-Pesa charges for KSh 20,000 What it costs to send, withdraw or ATM-withdraw KSh 20,000 on M-Pesa today.
Rates verified 5 October 2026
Cost to send KSh 20,000
KSh 105
to any M-Pesa, Airtel Money or T-Kash user
How this was calculated
Send money KSh 105
Withdraw at an agent KSh 185
Withdraw at an M-Pesa ATM KSh 203
Send, then the recipient withdraws at an agent KSh 290 Fees include excise duty. Receiving money and depositing at an agent are free.
Full M-Pesa tariff Amount (KSh) Send Agent withdrawal 1 – 100 KSh 0 KSh 11 101 – 500 KSh 7 KSh 29 501 – 1,000 KSh 13 KSh 29 1,001 – 1,500 KSh 23 KSh 29 1,501 – 2,500 KSh 33 KSh 29 2,501 – 3,500 KSh 53 KSh 52 3,501 – 5,000 KSh 57 KSh 69 5,001 – 7,500 KSh 78 KSh 87 7,501 – 10,000 KSh 90 KSh 115 10,001 – 15,000 KSh 100 KSh 167 15,001 – 20,000 KSh 105 KSh 185 20,001 – 35,000 KSh 108 KSh 197 35,001 – 50,000 KSh 108 KSh 278 50,001 – 250,000 KSh 108 KSh 309
Quick answer Sending KSh 20,000 costs KSh 105. Withdrawing it at an M-Pesa agent costs KSh 185, or KSh 203 at an M-Pesa ATM. If you send KSh 20,000 and the recipient withdraws it, the total cost is KSh 290.
Rates used in this calculator M-Pesa consumer tariff Send KSh 1 – 100 Free Send fee range KSh 7 – 108 Agent withdrawal range KSh 11 – 309 ATM withdrawal range KSh 35 – 203 (up to KSh 20,000) Maximum per transaction KSh 250,000 Daily limit KSh 500,000
Popular calculations M-Pesa fees for KSh 500 M-Pesa fees for KSh 1,000 M-Pesa fees for KSh 1,500 M-Pesa fees for KSh 2,000 M-Pesa fees for KSh 2,500 M-Pesa fees for KSh 3,000 M-Pesa fees for KSh 3,500 M-Pesa fees for KSh 4,000 M-Pesa fees for KSh 5,000 M-Pesa fees for KSh 6,000 M-Pesa fees for KSh 7,000 M-Pesa fees for KSh 7,500 M-Pesa fees for KSh 8,000 M-Pesa fees for KSh 10,000 M-Pesa fees for KSh 12,000 M-Pesa fees for KSh 15,000 Frequently asked questions How much does it cost to send KSh 20,000 on M-Pesa? KSh 105, whether the recipient is on M-Pesa, Airtel Money or T-Kash.
How much is the withdrawal charge for KSh 20,000? KSh 185 at an M-Pesa agent and KSh 203 at an M-Pesa ATM.
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