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Guide to KES transfers

Here you’ll find answers to the most common questions about Kenyan shilling (KES) transfers.

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Sending to KES

Who can I send KES to?

You can send KES to personal and business bank accounts or M-Pesa wallets in Kenya.

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 250,000 KES per transfer to an M-Pesa wallet. You can send up to 500,000 KES per day to an M-Pesa wallet. 

The maximum balance for an M-Pesa wallet is 1,500,000 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.

Transfers over 1 million KES will be sent as Swift international transfers which are usually delivered in 24 hours, but can take up to 6 working days.

We’ll always give you an estimate for how long your transfer will take when you set it up.

Learn more about how long transfers take

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.

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