T-Kash Wallet Limits Overview

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T-Kash, Telkom Kenya's mobile money service (similar to M-PESA), has transaction and balance limits set by the Central Bank of Kenya (CBK) to ensure security, prevent fraud, and comply with regulations. These limits were last reviewed in 2021 and remain unchanged as of 2026, with no recent increases reported. They apply to all registered users (personal or business) and are lower than competitors like M-PESA (which has a max of KSh 500,000 daily/balance). Unregistered or new users may face restrictions until full verification (ID required). These are maximums — actual limits depend on account activity and CBK guidelines.

Key T-Kash Wallet Limits (As of 2026)​

Limit Type	Amount (KES)	Description/Notes
Maximum Account Balance	300,000	The highest amount you can hold in your T-Kash wallet at any time. Exceeding this may block incoming transfers.
Maximum Daily Transaction Value	300,000	Total value of all transactions (sends, withdrawals, payments) in a 24-hour period, including inbound and outbound.
Maximum Per Transaction	150,000	Highest amount for a single send, withdrawal, or payment. Applies to transfers to other users, banks, or networks.
Minimum Transfer Amount	1	Smallest sendable amount, though fees apply above certain thresholds.
Minimum Withdrawal Amount (at Agent)	50	Withdrawals below this are not allowed at agents; ATMs may differ.

These limits are consistent across T-Kash users in Kenya and are lower than M-PESA's (e.g., M-PESA max daily is 500,000 KES). In other countries where Airtel or Telkom operates similar services, limits may vary (e.g., adjusted for local currency).

Additional Notes on Limits​

• Verification Impact: All users must be registered with ID, but limits are standard — no additional tiers. Unregistered users cannot transact.
• Business Accounts: Same limits apply.
• International Considerations: Inbound transfers (e.g., from Wise) are subject to these limits; exceeding may result in rejection.
• Changes in 2026: No updates; limits have been stable since the 2021 review. If you hit limits, split transactions or contact Telkom for assistance.