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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 12.8 million people who choose Wise for fast and secure money transfers.
Availability of the payment type depends on the currency or the region.
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Over 12.8 million customers
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FCA regulated
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 Rate guaranteed (70h)

  • Bank transfer fee

    0 EUR

  • Our fee

    210.66 EUR

Total included fees (0.70%)

210.66 EUR

  • You could save up to 711.36 EUR

Should arrive by Tuesday, 24 December

Save on exchange rate markups

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?
Sending 1,000 GBP withRecipient gets(Total after fees)
Wise
160,572 KES
Transfer fee
11.78 GBP
Exchange rate(1 GBP KES)
162.486
Exchange rate markup
0 GBP
Cost of transfer
0 GBP
NatWest
157,962 KES- 2,610 KES
Transfer fee
0 GBP
Exchange rate(1 GBP KES)
157.962
Exchange rate markup
0 GBP
Cost of transfer
0 GBP
RBS
157,962 KES- 2,610 KES
Transfer fee
0 GBP
Exchange rate(1 GBP KES)
157.962
Exchange rate markup
0 GBP
Cost of transfer
0 GBP
Barclays
157,424 KES- 3,148 KES
Transfer fee
0 GBP
Exchange rate(1 GBP KES)
157.424
Exchange rate markup
0 GBP
Cost of transfer
0 GBP
Show more providers
globe

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

Start your transfer.

Enter amount to send in EUR

Pay in EUR with your chosen payment method.

Get the best rate out there.

Choose recipient

Select who you want to send money to.

Money is locally delivered.

Send EUR with a chosen payment method, and receive ZAR to M-PESA

The recipient gets money in ZAR 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

How long does a money transfer to M-PESA take?

A money transfer to M-PESA (EUR-ZAR) should arrive by Tuesday, 24 December. Sometimes transfer times can differ based on currencies or verification changes. We’ll always keep you updated, and you can track each step in your account.

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Your transfer route

EUR
ZAR

Should arrive

by Tuesday, 24 December

Wise works nearly everywhere

  • South African rand
    Swift/BIC and IBAN
  • British pound
    Swift/BIC, IBAN, Sort code and Account number
  • Euro
    Swift/BIC and IBAN
  • United States dollar
    Routing number, Swift/BIC, Account number and Account type
  • United Arab Emirates dirham
    Swift/BIC and IBAN
  • Australian dollar
    BSB code and Account number
  • Bulgarian lev
    Swift/BIC and IBAN
  • Canadian dollar
    Swift/BIC, Account number and Institution number
  • Swiss franc
    Swift/BIC and IBAN
  • Chinese yuan
    Swift/BIC and IBAN
  • Czech koruna
    Swift/BIC and IBAN
  • Danish krone
    Swift/BIC and IBAN
  • Hong Kong dollar
    Swift/BIC and IBAN
  • Hungarian forint
    Swift/BIC, IBAN and Account number
  • Israeli shekel
    Swift/BIC and IBAN
  • Japanese yen
    Swift/BIC and IBAN
  • Norwegian krone
    Swift/BIC and IBAN
  • New Zealand dollar
    Swift/BIC and Account number
  • Polish złoty
    Swift/BIC and IBAN
  • Swedish krona
    Swift/BIC and IBAN
  • Singapore dollar
    Bank name, Bank code and Account number
  • Turkish lira
    IBAN
  • Ugandan shilling
    Swift/BIC and IBAN
  • United Arab Emirates dirham
  • Australian dollar
  • Bangladeshi taka
  • Bulgarian lev
  • Canadian dollar
  • Swiss franc
  • Chilean peso
  • Chinese yuan
  • Costa Rican colón
  • Czech koruna
  • Danish krone
  • Egyptian pound
  • Euro
  • British pound
  • Georgian lari
  • Hong Kong dollar
  • Hungarian forint
  • Indonesian rupiah
  • Israeli shekel
  • Indian rupee
  • Japanese yen
  • Kenyan shilling
  • South Korean won
  • Sri Lankan rupee
  • Moroccan dirham
  • Mexican peso
  • Malaysian ringgit
  • Nigerian naira
  • Norwegian krone
  • Nepalese rupee
  • New Zealand dollar
  • Philippine peso
  • Pakistani rupee
  • Polish złoty
  • Romanian leu
  • Swedish krona
  • Singapore dollar
  • Thai baht
  • Turkish lira
  • Tanzanian shilling
  • Ukrainian hryvnia
  • Ugandan shilling
  • United States dollar
  • Uruguayan peso
  • Vietnamese dong
  • West African CFA franc
  • South African rand

Trust Wise with safe & secure money transfers

Safeguarded with leading banks

We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe.

See why customers choose Wise for their international money transfers

It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it. Read our reviews at Trustpilot.com.

I've been using Wise for some time now, and it's been a game-changer for international transfers. The platform is incredibly user-friendly, with a…

Mathieu

Easy to transfer the money. The site is easy to maneuver. The fees are low. Communication is great.

Beate Angelika Czerw

This is a top quality product. I love it! Fast transfer of funds. Excellent exchange rates and accepted almost everywhere. An absolute essential for…

Shaun Casey
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