Here you’ll find answers to the most common questions about Kenyan shilling (KES) transfers.
Sending to KES
Who can I send KES to?
You can send KES to individual and business bank accounts in Kenya, and to personal M-Pesa wallets.
What information do I need about my recipient?
You’ll need to know their full name (English characters only), bank name, and account number (between 8–20 digits long).
For transfers to M-Pesa wallets, you’ll need their full name, mobile provider, and mobile number, which starts with the country code 254.
How much can I send?
There’s no maximum limit on how much you can send to KES, unless you’re sending to an M-Pesa wallet.
You can send up to 150,000 KES per transfer to an M-Pesa wallet. You can send up to 300,000 KES per day to an M-Pesa wallet.
The maximum balance for an M-Pesa wallet is 300,000 KES.
There may be a limit on how much you can send from the currency you’re sending, so check the relevant article.
How long does it usually take for the money to arrive?
Once Wise receives and converts your money, it usually arrives in your recipient’s bank account on the same working day ━ however it can take up to 2 working days for the money to arrive. Conversion can take up to 2 working days.
We’ll always give you an estimate for how long your transfer will take when you set it up.
Is there any other information I need to know?
If you’re sending to an M-Pesa wallet, anything you type in the reference field for your recipient won’t go through.
You can't send money to businesses using M-Pesa.