Send to M-PESA accounts in Kenya

Send money to M-PESA accounts in Kenya

Send Money to Kenya with M-PESA


What is M-PESA?

M-PESA is an electronic wallet service that lets an account holder store, send and receive money on their mobile phone. People can also use M-PESA to transfer cash or buy products and services in stores.

Once there is money in a user’s M-PESA account, the cash can be withdrawn by visiting an agent (typically in a corner shop) or transferred to others using a menu on their phone.

That makes it a quick, safe and simple way to make payments and handle money, saving people time and allowing them to focus on other things rather than making trips to the bank.

Why use M-PESA to send money to Kenya?

  • Money is added instantly to M-PESA accounts once payment is approved.
  • Your recipients don’t have to carry large amounts of cash with them, which can be unsafe.
  • There is no need for your recipient to travel to a pickup location, they will have the money delivered right to their phone. It couldn’t be easier!

What do you need to send to M-PESA accounts?

  • Please check that the recipient already has a M-PESA mobile money account.
  • You will need the recipient's mobile money number.

Select the service “Mobile Money Transfer” and indicate the amount you’d like to send and we will make sure your effort pays off even more.

Is it safe to send money to Kenya via M-PESA?

Money that’s transferred to family or friends in Kenya via M-PESA is stored safely in a ring-fenced account, also known as a trust account. This account is linked to the mobile phone of each customer. A central platform also securely tracks the value of an individual’s account. That means the money will still be in their M-PESA account even if the phone or SIM card is lost.

What are the benefits of M-PESA?

Sending money to Kenya via M-PESA is a low-cost, fast and safe way to pay, transfer, receive and store money. M-PESA works digitally and in real time, which means your friends or family members living, working or travelling in Kenya will receive the money much more quickly than a traditional bank transfer. Every transaction is also protected and signed with a PIN, which helps to keep the whole process secure.

There are also no service charges on an M-PESA account. Instead, the user pays on a pay-as-you-go basis every time they perform a transaction. There’s also no minimum amount that can be held in an M-PESA account, so it remains open even when it’s empty.

Watch Jennifer and Seppo’s story to see how M-PESA impacts the lives of Kenyans every day.


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