The new 2022 Mpesa commission structure is aimed at ensuring agents getter better rewards on high-value transactions and as an incentive to hold adequate float. As a result, deposit commissions have increased by 12% – 170% across the bands as seen in the table below.
With this tariff review, Safaricom has also introduced the lower band of Kshs 10 – Kshs 49 for transfers and micropayments to enable more Kenyans to use the services hence driving Financial Inclusion. Safaricom has added an additional 11 transaction bands to curb split and direct deposits for which you suffer serious penalties through unscrupulous agent assistants.
Below is the detailed 2022 Mpesa agent commission structure for deposits.
| Transaction Band | Commission |
| 50 -100 | 4 |
| 101 – 510 | 8 |
| 511 – 1,010 | 9 |
| 1,011 – 1,510 | 10 |
| 1,511 – 2,510 | 11 |
| 2,511 – 3,510 | 12 |
| 3,511 – 5,010 | 14 |
| 5,011 – 7,510 | 20 |
| 7,511 – 10,010 | 28 |
| 10,011 – 15,010 | 40 |
| 15,011 – 20,020 | 55 |
| 20,021 – 25,020 | 71 |
| 25,021- 30,020 | 87 |
| 30,021 – 35,020 | 103 |
| 35,021- 40,020 | 119 |
| 40,021 – 45,020 | 135 |
| 45,021- 50,020 | 150 |
| 50,021 – 70,000 | 190 |
| 70,001- 150,000 | 190 |
Safaricom also re-looked at the commissions and reduced the commissions in some of the bands as highlighted below and kept others constant in an effort to encourage more deposit transactions.
The detailed Mpesa agent commission structure for withdrawals (Registered and Unregistered) is as shown below.
| Mpesa Agent Commissions for Withdrawal Transactions | ||
| Transaction Bands | Commissions
(Registered Customers) |
Commissions
(Unregistered Customers) |
| 10 – 49 | N/A | N/A |
| 50 – 100 | 5 | N/A |
| 101- 500 | 8 | 8 |
| 501 – 1,000 | 10 | 10 |
| 1,001 -1,500 | 12 | 12 |
| 1,501 – 2,500 | 15 | 15 |
| 2,501 – 3,500 | 20 | 20 |
| 3,501 – 5,000 | 25 | 25 |
| 5,001 – 7,500 | 30 | 30 |
| 7,501- 10,000 | 35 | 35 |
| 10,001 – 15,000 | 45 | 45 |
| 15,001 – 20,000 | 60 | 60 |
| 20,001 – 25,000 | 65 | 65 |
| 25,001 – 30,000 | 70 | 70 |
| 30,001 – 35,000 | 70 | 70 |
| 35,001 – 40,000 | 100 | N/A |
| 40,001 – 45,000 | 150 | N/A |
| 45,001 – 50,000 | 180 | N/A |
| 50,001- 150,000 | 200 | N/A |
At the end of the month, the commission earned is paid to the MMF account of the organisation less the 5% withholding tax. The organisation can decide to withdraw the cash or transfer it to float account.
