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Send money to M-PESA

Send money to M-PESA from our website or mobile app, in just a few clicks. Join over 14.8 million people who choose Wise for fast and secure money transfers.

Availability of the payment type depends on the currency or the region.

Read more
  • Low fees — fees get cheaper the more you send
  • Lightning fast — money typically arrives in seconds
  • Perfectly predictable — lock in an exchange rate for your international transfer
Open an account
  • Arrives
    by Tuesday, March 17
  • Total fees
    Included in NZD amount
    5.97 NZD volume discount
    • You're sending a lot so we discounted our fee

    Savings on this transfer, and eligible transfers for the rest of the month.

    Learn more

    Send money to M-PESA

    Send money to M-PESA from our website or mobile app, in just a few clicks. Join over 14.8 million people who choose Wise for fast and secure money transfers.

    Availability of the payment type depends on the currency or the region.

    Read more
    • Low fees — fees get cheaper the more you send
    • Lightning fast — money typically arrives in seconds
    • Perfectly predictable — lock in an exchange rate for your international transfer
    Open an account
  • Arrives
    by Tuesday, March 17
  • Total fees
    Included in NZD amount
    5.97 NZD volume discount
    • You're sending a lot so we discounted our fee

    Savings on this transfer, and eligible transfers for the rest of the month.

    Learn more

    How to send money to M-PESA in 3 easy steps

    Start your transfer.

    Enter amount to send in NZD.

    Pay in NZD with your debit card or credit card, or send the money from your online banking.

    Get the best rate out there.

    Choose your recipient.

    Select who you want to send money to and which pay-out method to use.

    Money is locally delivered.

    Send NZD, receive KES.

    The recipient gets money in KES directly from Wise’s local bank account.

    Create free account now

    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

    Cheapest way to send money abroad

    The cheapest way to send 50,000 NZD to KES is by using money that's in your Wise account and costs 485.34 NZD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

    NZD

    KES

    Sending 50,000 NZDTransfer cost
    Wise account485.34 NZD
    Bank transfer485.31 NZD

    How we keep your money safe

    Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

    How we keep your money safe
    • Rock-solid technology
      Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
    • People who care, 24/7
      With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
    • Your money, not ours
      Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

    4.3 / 5 on Trustpilot from 284,023 reviews

    Read more reviews on Trustpilot