How to send money from UK to Kenya via M-Pesa

M-Pesa, Kenya’s leading mobile money service, provides a secure and convenient way to send funds directly to your loved ones back home. If you’re based in the UK and want to utilize M-Pesa for your transfers, this guide explores the different methods available, highlighting their advantages and considerations.

Popular Money Transfer Services:

Several established money transfer services specialize in sending money directly to M-Pesa wallets in Kenya. Here are some popular options to consider:

1. WorldRemit

  • Advantages: User-friendly mobile app, competitive fees, and faster processing times. Notifications sent to both sender and recipient.
  • Process: Download the app or visit their website, create an account if needed, enter the transfer details, recipient’s M-Pesa phone number, and preferred payment method. Confirm the transaction for swift processing.

2. Lemonade Finance

  • Advantages: Direct transfers from UK bank accounts to M-Pesa wallets, transparency in fees and exchange rates.
  • Process: Download the Lemonade Finance app or visit their website, select Kenya as the recipient’s country, M-Pesa as the payout method, enter transfer details and confirm transaction.

3. Western Union

  • Advantages: Globally recognized service, transfers within minutes, multiple payment methods.
  • Process: Through the website or app, select Kenya as the destination country, choose “Mobile Wallet” payout method, enter recipient’s M-Pesa phone number, payment details, and confirm the transaction.

4. Bank Transfers

  • Considerations: Higher fees and slower processing times compared to dedicated money transfer services.
  • Process: Some UK banks offer international money transfer services directly to M-Pesa accounts. Contact your bank to inquire about availability and fees.

Here are some UK banks that may offer international money transfers to M-Pesa:

  • Barclays Bank
  • HSBC Bank
  • Lloyds Banking Group
  • NatWest Group
  • Standard Chartered Bank

Choosing the Right Service

Selecting the best method for sending money from the UK to Kenya via M-Pesa depends on your priorities:

  • Fees: Compare fees and exchange rates to find the most cost-effective option. Dedicated money transfer services often offer competitive rates.
  • Speed: For urgent transfers, online services generally provide faster processing times compared to bank transfers.
  • Convenience: Mobile apps or websites offered by dedicated services provide convenience, while bank transfers might require branch visits or online banking.

Research and compare the options to ensure your transfer meets your needs efficiently and economically.

scroll to top