M-Pesa, Kenya’s leading mobile money service, continues to be an indispensable tool for millions of people, whether for sending money, paying bills, or withdrawing cash. As we move into 2026, it remains essential to stay updated on the latest tariffs and fees associated with M-Pesa transactions, especially when it comes to withdrawing cash.
In this blog article, we’ll provide you with a detailed breakdown of M-Pesa withdrawal charges when withdrawing KES 5,000, as well as some tips to minimize these costs and make the most of your M-Pesa account.
M-Pesa Withdrawal Charges for KES 5,000
When you need to withdraw KES 5,000 from your M-Pesa wallet, you fall into the KES 3,501 – 5,000 transaction bracket. As of early 2026, the charges are as follows:
- Withdrawal from Agent: KES 69
- Withdrawal via ATM: KES 32 (Note: ATM withdrawals are capped at KES 35,000 per day).
What Does This Mean?
To have exactly KES 5,000 in your hands after visiting an M-Pesa agent, you’ll need to ensure your M-Pesa wallet contains KES 5,069. This takes into account the KES 69 fee for withdrawing KES 5,000.
Pro Tip: If you are sent exactly KES 5,000, you’ll only be able to withdraw KES 4,931 (after deducting the KES 69 fee) unless you have additional funds to cover the charge. Alternatively, you can consider using an ATM, which is cheaper and can save you KES 37.
Summary Table: M-Pesa Charges (2026)
Below is the latest schedule for M-Pesa’s withdrawal and transfer charges, providing clarity on common transaction amounts.
| Transaction Range (KES) | Transfer to M-Pesa Users | Transfer to Other Networks | Withdrawal from Agent |
|---|---|---|---|
| 1 – 49 | Free | Free | N/A |
| 50 – 100 | Free | Free | 11 |
| 101 – 500 | 7 | 7 | 29 |
| 501 – 1,000 | 13 | 13 | 29 |
| 1,001 – 1,500 | 23 | 23 | 29 |
| 1,501 – 2,500 | 33 | 33 | 29 |
| 2,501 – 3,500 | 53 | 53 | 52 |
| 3,501 – 5,000 | 57 | 57 | 69 |
| 5,001 – 7,500 | 78 | 78 | 87 |
| 7,501 – 10,000 | 90 | 90 | 115 |
| 10,001 – 15,000 | 100 | 100 | 167 |
| 15,001 – 20,000 | 105 | 105 | 185 |
| 20,001 – 35,000 | 108 | 108 | 197 |
| 35,001 – 250,000 | 108 | 108 | 278 – 309 |
Key M-Pesa Limits in 2026
M-Pesa has maintained the expanded limits introduced in previous years, giving users more flexibility in managing their finances. Here are some of the key limits to be aware of:
- Maximum Account Balance: KES 500,000
- Daily Transaction Limit: KES 500,000
- Maximum Per Transaction: KES 250,000
- Minimum Withdrawal Amount: KES 50
These limits are designed to accommodate a wide range of users, from small-scale businesses to individuals handling larger sums of money.
How to Save on M-Pesa Fees
While M-Pesa offers a convenient way to withdraw and transfer funds, its fees can add up quickly. Here are a few tips on how to reduce the cost of your M-Pesa transactions:
1. Use Lipa Na M-Pesa for Payments
Many merchants in Kenya now accept payments via M-Pesa’s “Buy Goods” service, which is free for the customer. Instead of withdrawing cash and paying KES 69 to an agent, consider paying merchants directly using your M-Pesa balance. This can save you time and money.
2. Opt for ATM Withdrawals
Withdrawing money via an ATM is often cheaper than withdrawing through an agent. For instance, withdrawing KES 5,000 at an ATM only costs KES 32, compared to KES 69 at an M-Pesa agent. Keep in mind that ATM withdrawals are capped at KES 35,000 per day, so if you plan to withdraw larger sums, you may need to visit an agent.
3. Transfer Money from Your Bank Account
If you have a bank account linked to your M-Pesa wallet, consider moving funds from your bank to M-Pesa directly. Many banks offer free or subsidized transfer rates, making it a cost-effective option for topping up your wallet without incurring high fees.
4. Consider the Timing of Your Transaction
If you frequently withdraw smaller amounts (e.g., under KES 1,000), be aware that the withdrawal fee remains the same within the KES 501 – 1,000 range. In this case, withdrawing a larger amount, such as KES 5,000, may be more cost-effective in the long run, as the fees scale differently for larger amounts.
Final Thoughts
In 2026, M-Pesa remains a vital tool for millions of Kenyans, allowing seamless transactions, bill payments, and cash withdrawals. Understanding the latest fees for withdrawing KES 5,000 is essential for managing your finances effectively. Whether you choose to visit an agent or use an ATM, being informed will help you make the best decision based on your needs and the associated costs.
By leveraging some of the tips mentioned above, such as using Lipa Na M-Pesa or opting for ATM withdrawals, you can reduce your transaction costs and get the most out of your M-Pesa experience.
By staying on top of these rates and being strategic with your withdrawals, you can maximize your savings and avoid unnecessary fees.