How can I send money to Kenya?

Last updated: 25 August 2026

Send money to Kenya with Taptap Send. Choose from M-PESA, Airtel Money, bank transfer, or business payment.

Delivery methods and speed

Here are the options for sending money to Kenya and what you need to know about each.

  • Mobile wallet (M-PESA): Safaricom M-PESA wallets across Kenya
  • Mobile wallet (Airtel Money): Airtel Kenya mobile wallets
  • Bank transfer: any bank account in Kenya
  • Business payment: M-PESA Paybill and Till numbers
Delivery method Typical delivery time Notes
M-PESA Within a few minutes Available 24/7
Airtel Money Within a few minutes Available 24/7
Bank transfer Within 1 business day Processed on business days only. Transfers sent on weekends or after cut-off time are processed the next working day. May take up to 2 additional business days to appear in your recipient's account.
Business payment Within a few minutes For payments to M-PESA Paybill or Till numbers. Available 24/7.

Fees

Taptap Send always shows you the exact fee and exchange rate upfront. You'll see them on the very first screen before you confirm your transfer. There are no hidden charges.

When sending to Kenya, there is no flat transfer fee. We make a small margin on the exchange rate, which is always shown clearly before you confirm.

Sending limits

Your overall account sending limits are based on your verification level. Kenya-specific limits per delivery method:

Delivery method Sending limit Notes
M-PESA Max: 250,000 KES Depends on the recipient's wallet status
Airtel Money No Taptap Send limit
Bank transfer Max: 999,999.99 KES No other limit
Business payment Max: 250,000 KES

For details on your overall sending limits, see the article What are my sending limits on Taptap Send?

Cancelling a transfer or requesting a refund

If your transfer has already been delivered, recalling the funds can be difficult and take time. It is sometimes easier for you to resolve this directly with the recipient who received your funds. Contact our support team through the app and we will look into what options are available for your transfer. If no options exist, we will let you know. You can also refer to our global article Can I cancel or get a refund for my transfer?

For your recipient

Does my recipient need to do anything?

M-PESA: No action needed for registered M-PESA users. Funds arrive automatically in the wallet linked to the mobile number you entered. Non-registered users receive a voucher code by SMS and can collect cash at any M-PESA agent.

Airtel Money: No action needed. Funds arrive automatically in the wallet linked to the Airtel number you entered.

Bank transfer: No action needed. Funds are deposited directly into the bank account.

Business payment: The merchant's M-PESA Till number must be active and valid. Funds are credited directly to the merchant.

What details does my recipient need to provide?

M-PESA: Full name and Safaricom mobile number registered with M-PESA.

Airtel Money: Full name and Airtel Kenya mobile number.

Bank transfer: Full name, bank name, and account number.

Business payment: The merchant's M-PESA Till number.

How does my recipient cash out?

Here is what your recipient may need to do depending on how you sent the money.

M-PESA

Funds arrive directly in your recipient's M-PESA wallet. They will receive an SMS notification when the transfer lands.

To check their balance: log in to the mySafaricom app, or select Check Balance in the M-PESA menu on their Safaricom SIM toolkit, enter their PIN, and they will receive an SMS with their balance. Note that the balance also appears at the end of every M-PESA transaction SMS.

To cash out at an M-PESA agent (registered customers):

  1. 1Confirm the agent has enough funds for the withdrawal
  2. 2Give their phone number and show a valid original ID
  3. 3Go to the M-PESA menu, select Withdraw Cash
  4. 4Enter the agent number, the amount, and their PIN
  5. 5Confirm the transaction details on screen and press OK
  6. 6They will receive an SMS confirming the withdrawal
  7. 7Collect the cash from the agent, count it, and sign the agent's log book

To cash out at an M-PESA agent (non-registered customers):

  1. 1Confirm the agent has enough funds
  2. 2Present the SMS containing the M-PESA voucher number
  3. 3Give their phone number and show a valid original ID
  4. 4The agent will enter the one-time code shown in the SMS
  5. 5Both the agent and recipient will receive an SMS confirmation
  6. 6Collect the cash, count it, and sign the agent's log book

To receive monthly M-PESA statements by email:

  • Dial *234# and select My M-PESA Information, then M-PESA Statement, or use the mySafaricom app
  • Select Full Statement, register with their National ID number, then enter and confirm their email address

For help: visit safaricom.co.ke/customer-service, use the store locator, chat with Zuri on WhatsApp (save 0722000100), or call 719 (toll-free from Safaricom).

Airtel Money

Funds arrive directly in your recipient's Airtel Money wallet.

To cash out at an Airtel Money agent:

  1. 1Visit an Airtel Money agent and dial *334# on their mobile
  2. 2Select Withdraw Money
  3. 3Ask the agent for their code and enter it when prompted
  4. 4Enter the amount to withdraw
  5. 5Confirm by entering their PIN
  6. 6A confirmation message will be delivered and they can collect the funds

For help: airtelkenya.com/airtel-money

For tariff information: airtelkenya.com/tariffs_charges

Bank transfer

Funds are deposited directly into your recipient's bank account. No action needed. For any issues, they should contact their local branch.

Business payment

The payment is credited directly to the merchant's M-PESA Till account. No further action needed from the recipient.

Information about the receiving side may be subject to change. Please check the provider's website for the most up-to-date information.

Still need help? Contact our support team through the app.