4.3/5 from 232,971 reviews
Send money to M-PESA from our website or mobile app, in just a few clicks. Join over 10 million people who choose Wise for fast and secure money transfers.
Availability of the payment type depends on the currency or the region.
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Over 10 million customers
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Exchange rates are volatile right now, so we can't guarantee this rate. We'll use the rate that's live when we receive your money.
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Save on exchange rate markups
The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.
At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.
How do we select providers and collect this data?
| Sending 1,000 GBP with | Recipient gets(Total after fees) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 | 167,246 KES | ||||||||||
Transfer fee 11.78 GBP Exchange rate(1 GBP KES) 169.240 Exchange rate markup 0 GBP Cost of transfer 11.78 GBP | |||||||||||
 | 164,390 KES- 2,856 KES | ||||||||||
Transfer fee 0 GBP Exchange rate(1 GBP KES) 164.390 Exchange rate markup 28.65 GBP Cost of transfer 28.65 GBP | |||||||||||
 | 162,400 KES- 4,846 KES | ||||||||||
Transfer fee 0 GBP Exchange rate(1 GBP KES) 162.400 Exchange rate markup 40.42 GBP Cost of transfer 40.42 GBP | |||||||||||
 | 158,082 KES- 9,164 KES | ||||||||||
Transfer fee 0 GBP Exchange rate(1 GBP KES) 158.082 Exchange rate markup 65.93 GBP Cost of transfer 65.93 GBP | |||||||||||
 | 158,056 KES- 9,191 KES | ||||||||||
Transfer fee 0 GBP Exchange rate(1 GBP KES) 158.056 Exchange rate markup 66.09 GBP Cost of transfer 66.09 GBP | |||||||||||
Show more providers | |||||||||||
How to send money to M-PESA in 3 easy steps
Enter amount to send in GBP
Pay in GBP with your chosen payment method.
Choose recipient
Select who you want to send money to.
Send GBP with a chosen payment method, and receive KES to M-PESA
The recipient gets money in KES directly from Wise’s local bank account.
What is M-PESA money transfer?
Making a M-PESA money transfer is convenient for the sender - as you’ll only need the recipient’s mobile number - and for the recipient of the payment, too.
To send your M-PESA money transfer with Wise you’ll just need the details of your recipient's mobile phone provider, their phone number beginning with the country code 254, and their name.
Payments of up to 150,000 KES per transaction, or 300,000 KES per day can be made to active M-PESA e-Wallets. M-PESA wallets can hold a maximum of 300,000 KES at a time.
Learn more about using M-PESA transfers.
Online money transfer fees
How much does it cost to send money to M-PESA?
To send money to M-PESA with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.
Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
Calculate how much you can save
How long does a money transfer to M-PESA take?
A money transfer to M-PESA (GBP-KES) should arrive in 30 minutes. Sometimes transfer times can differ based on currencies or verification changes. We’ll always keep you updated, and you can track each step in your account.
On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.
Your transfer route
GBP
KES
Should arrive
in 30 minutes
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Pakistan
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Sri Lanka
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Tanzania
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Uganda
Ukraine
United Arab Emirates
United Kingdom
United States
Uruguay
Vatican City
Vietnam
Zambia
Trust Wise with safe & secure money transfers
Safeguarded with leading banks
We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.
Extra-secure transactions
We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.
Data protection
We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.
Dedicated anti-fraud team
We work round the clock to keep your account and money protected from even the most sophisticated fraud.
Online scams are on the rise. Learn how to stay safe.
See why customers choose Wise for their international money transfers
It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it.
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