InstaPay Fees and Transfer Limits 2026 (Egypt)

Masroofak team • Updated 2026-10-22

InstaPay has become the easiest way to send money in Egypt: rent, a gam'eya (savings circle), money for family, or splitting a restaurant bill with friends. But since April 2025 it comes with a small fee. Here is exactly what you pay, the daily and monthly limits, and how to keep small transfers from quietly eating your month.

The figures here were checked as of 22 October 2026 against the official InstaPay website and Egyptian news outlets. Fees and limits can change with a new decision, so check the latest figure in the InstaPay app or with your bank before any large transfer. Masroofak is not affiliated with InstaPay or the Instant Payment Network in any way.

How much does InstaPay charge per transfer?

This rule has applied since 1 April 2025, and as of 22 October 2026 no change to it has been announced:

• 0.1% of the transfer amount (EGP 1 for every EGP 1,000).
• Minimum EGP 0.50 per transaction, however small the amount.
• Maximum EGP 20 per transaction, however large the amount.
• The fee is paid by the sender, not the recipient.

Before April 2025, transfers and inquiries had been free since the app launched in 2022.

Table: what will each transfer cost you?

Calculated with the rule above (0.1%, minimum EGP 0.50, maximum EGP 20):

Two things stand out. Any transfer up to EGP 500 costs the same EGP 0.50, and any transfer of EGP 20,000 or more costs only EGP 20. So 10 small transfers of EGP 100 cost you EGP 5, while a single EGP 1,000 transfer costs you EGP 1.

InstaPay transfer limits: per day and per month

So if you need to send EGP 100,000, you will split it into two transactions (for example EGP 70,000 and EGP 30,000), each charged EGP 20, for a total of EGP 40. The limits apply to each bank registered in your app, and your bank may set a lower limit on your account, so check the limit in the app itself.

What about transfers to Vodafone Cash and other wallets?

• You can send from InstaPay to any mobile wallet using the mobile number. The official InstaPay website does not list a different fee for wallet transfers, so the understanding is that the same 0.1% rule applies, but this is not stated explicitly. Check the fee the app shows before you confirm.
• Wallets have their own limits. Vodafone Cash's published limits are EGP 60,000 per day and EGP 200,000 per month (Youm7, February 2025); check them in the app, as they may change. In practice, when you send to a wallet, the limit that stops you is usually the wallet's, not InstaPay's.
• Transfers made from the wallet itself (say, from Vodafone Cash to another wallet) carry the wallet provider's fees, not InstaPay's. The figures we found don't match, so check them in the wallet app.

What's free and what costs money?

• Balance inquiry and mini statement: the first 10 each month are free, then EGP 0.50 each.
• Bill payments: not always free; each service has its own tariff.
• Donations: same fee as transfers.
• Receiving money: the recipient pays no InstaPay fee.

How to keep transfers from eating your month

The real problem isn't the EGP 0.50. It's that transferring is so easy you forget you did it. EGP 200 here, EGP 150 there, and by the end of the month you have no idea where the money went. A few habits fix that:

1. Log every transfer when it happens. Not at the end of the week. A transfer you don't log drops out of the picture.
2. Keep personal spending separate from bills. Rent, gam'eya and installments are one thing; outings and delivery orders are another. Mix them and you'll think you spent on essentials when you actually spent on fun.
3. Note who and why. "InstaPay 300" means nothing a week later. "Half the dinner bill with Ahmed" does.
4. Bundle small transfers to the same person. If you send to someone every few days, send once instead. You'll save on fees and, more importantly, have fewer transactions to keep track of.
5. Review your week. Once a week, look at the total you transferred and compare it with what you planned.

Log a transfer from the bank SMS in seconds

Every InstaPay or wallet transfer comes with a message from your bank or wallet showing the amount and date. In Masroofak you don't have to type it again:

• On Android: share the message to the app from the share menu.
• On iPhone: copy the message and paste it into the app.
• The app pulls out the amount, type and date, and you review and edit before tapping "Record transaction". Nothing is saved without your approval.
• The app does not connect to your bank or ask for login details, and it doesn't read your messages on its own. It only sees the message you share.

Step-by-step instructions are in logging expenses from bank and wallet SMS (Arabic). And if transfers drain your salary early, see making your salary last until the end of the month (Arabic).