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M-Pesa Vs Airtel Money Transaction Charges

M-pesa Vs Airtel Money

M-pesa has dominated the mobile money market in Kenya for years. Its popularity has not been challenged by any other players and this has propelled Safaricom to greater heights. Airtel Money has tried to challenge M-Pesa’s dominance but hasn’t managed to take the top spot. 

Airtel Money has a number of incentives including waiving transaction fees for a number of transactions. The company uses these measures to get people to start using Airtel Money and hopefully continue using it afterwards. M-Pesa still has an advantage as it has a huge Agent network and businesses accepting payments using its network. This is what has helped Safaricom maintain the lead as it is easier and convenient for people to use M-Pesa as opposed to Airtel Money. 

Given that Airtel Money and M-Pesa are the only serious players in this sector, I thought I should compare their transaction fees so you can decide which one offers you value for your money. 

M-Pesa and Airtel Money Transaction Rates

We will start by looking at the transaction rates between Airtel Money and M-Pesa. As you will see, it is free to transfer money from Airtel Money to another Airtel Money account. Transaction fees kick in when transferring money from Airtel Money to other mobile money accounts. Overall, Airtel Money is slightly cheaper than M-Pesa.

M-pesa Vs Airtel Money Transaction Rates 

Transaction RangeTransaction
MinMaxM-PesaAirtel Money
M-Pesa TransferM-Pesa to other mobile money usersM-Pesa to unregistered usersAirtel Money transferTransfer to other networks
149FreeFreeN/AFree0
50100FreeFreeN/AFree0
1015007747Free6
5011000131351Free10
10011500232361Free20
15012500333376Free20
250135005353115Free50
350150005757139Free50
500175007878171Free75
7501100009090211Free75
1000115000100100273Free90
1500120000105105296Free90
2000135000108108318Free100
3500150000108108318Free105
50001150000108108318Free105
150001250000108108318Free105

M-Pesa Vs Airtel Money Withdrawal Rates

When withdrawing money from your mobile money account, the rates are cheaper for Airtel Money compared to M-Pesa. M-Pesa has the advantage of having a wide agent network meaning that you can find an M-Pesa agent easier compared to an Airtel Money agent. 

M-Pesa Vs Airtel Money Withdrawal charges

Transaction RangeTransaction
MinMaxM-PesaAirtel Money
Agent WithdrawalAgent Withdrawal
149N/AN/A
50100119
1015002922
50110002923
100115002925
150125002925
250135005240
350150006940
500175008775
75011000011575
1000115000167125
1500120000185125
2000135000197160
3500150000278225
50001150000309270
150001250000309270

Read: You Can Now Transact Up to Ksh 250,000 Per Transaction on M-Pesa

About author

Editor at TechArena. I cover all things technology and review new gadgets as I get them. You can reach me on email: kaluka@techarena.co.ke
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