The maximum amount of money that M-Pesa can hold depends on the type of account. For a regular M-Pesa account, the maximum balance is KES 100,000 (about USD 1,000). However, recent updates show that the maximum balance has been increased to KES 500,000 (around USD 3,480), as approved by the Central Bank of Kenya. For business accounts, the limit can be as high as KES 1,000,000, while premium accounts have intermediate limits (e.g., KES 200,000). Summary of M-Pesa maximum balance limits in 2025:
- Regular M-Pesa account: up to KES 100,000 to KES 500,000 (latest updates)
- M-Pesa Premium account: up to KES 200,000
- M-Pesa Business account: up to KES 1,000,000
This increase in limits provides users with more flexibility for both personal and business transactions while complying with regulatory guidelines.
