How to Send Money to Kenya Using PayPal

The process of sending money to Kenya through PayPal is very easy. Before sending money, you first sign up to PayPal. All you need is an email address and a debit or credit card. After you sign up, you will need to verify the card. To do this, you should link it to your account and then verify with the four-digit code that PayPal will send you. Finally, you need to verify your address. You do this by uploading a recent bill that shows your address.

Benefits of Sending Money To Kenya Using PayPal

Benefits of using PayPal include:

  • You can send money to M-Pesa
  • PayPal is safe, fast and easy
  • You can send money from the comfort of your home or office
There are no PayPal fees if you use your PayPal balance to send money in your own currency to friends and family. There are fees for other transactions.

PayPal and M-Pesa

The PayPal Mobile Money Service with M-Pesa is a money transfer service for PayPal and M-Pesa customers, provided by TransferTo in partnership with Safaricom and PayPal. If your recipient has a PayPal account, once you send them money to their PayPal account, they can easily send the funds into their M-Pesa account.

How to Sign up for PayPal Account

For your recipient to be able to use this service, they must have an eligible Kenyan PayPal and M-Pesa account. They will then link the two accounts and will be able to receive money and move your money from one to the other.

To sign up for a PayPal account, go here and complete registration. You will be required to add card details, however, the account will still be created even if you don’t add card details. To finish setting up your PayPal account, you will need to confirm your email address by clicking on the link in the email sent to you from PayPal.

How to Withdraw Funds From PayPal to M-Pesa?

When you are ready to withdraw money from PayPal account, you simply yclick “Withdraw”. Your available balance will be displayed. Enter the amount you would like to withdraw from your PayPal account, you will be redirected to a page showing the amount to be received in KES, the exchange rate used for the currency conversion, and the estimated transaction processing time. Finally, confirm and complete the withdrawal of funds.

How Long Does It Take to Withdraw Money From PayPal to M-Pesa?

It takes between 2 hours to 3 calendar days to process a withdrawal from your PayPal account to your M-Pesa account, depending on the transaction value. The estimated time will be shown to you before completing the transaction.

What Are PayPal to M-Pesa Transactions Limits?

PayPal to M-Pesa transaction limits are 150,000 KES per transaction and 300,000 KES per day.

PayPal to M-Pesa Fees

When your recipient transfer money from their PayPal account, the transfer will attract a flat 3%.


PayPal charges between 2.4% to 3.9% + USD$0.30 when receiving a payment and a 2.5% currency conversion fee may apply.

PayPal and Equity Bank

The Equity Bank Withdraw Service is an exclusive service that enables PayPal account holders in Kenya to withdraw funds paid into their PayPal accounts through Equity Bank. The service is available to customers with an Equity Bank account. Funds can be withdrawn from PayPal to Equity Bank transactional accounts in KES, USD, GBP, or EUR excluding credit cards.

How to Open Equity Bank Account

If you do not have an Equity Bank Account, you can easily open one by dialing *247# from your phone to open your account instantly. You can also visit any Equity Bank branch. If you are outside Kenya, you can open a Diaspora account.

How Long Does It Take to Withdraw Money From PayPal to Equity Bank

A withdraw from a PayPal account takes 3 business days to reflect in your Equity Bank account.

PayPal to Equity Bank Transaction Limits

Equity Bank maintains a transaction limit of $10 000 US Dollars(or KES equivalent) per transaction.

PayPal to Equity Bank Fees

Equity Bank transaction fees are tiered based on the withdrawal amount as shown in the table below.

Withdrawal Transaction Value (USD)500 and below501 – 1,0001001 – 20002001 – 5000<5001 and Above
Withdrawal Transaction Fee1.5%1.375%1.25%1.125%1%

Final Thoughts on How to Send Money to Kenya Using PayPal

PayPal partnership with M-Pesa and Equity Bank allows you to send money to your loved ones, business partners or your freelancers in Kenya using PayPal. Once they have received the money in their PayPal account, they can transfer the money to their M-Pesa account or Equity Bank account.

Countries you can use this service with:

Types of money transfer available

Company History

We are a team of financial researchers from Africa, Europe and the United States. Our mission is to provide quality information about reliable ways to transfer money to, from and through Africa. We supply information on the services available, the countries applicable, as well as how to open virtual bank accounts, instant money transfers and transfer money worldwide.

Contact information

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