How to send Money from Wise (Formerly TransferWise) to M-Pesa Wallet in Kenya

Learn how to effortlessly send money from Wise (formerly TransferWise) to M-Pesa in Kenya. Follow our step-by-step guide for quick and secure transfers.

Jun 19, 2023 - 14:30
Jun 19, 2023 - 14:27
How to send Money from Wise (Formerly TransferWise) to M-Pesa Wallet in Kenya

We live in a fast-paced, interconnected world where sending and receiving money across international borders should be as simple as sending a text message. Thanks to financial technology platforms like Wise (formerly TransferWise), sending money to Kenya is as smooth as ever imagined. Coupling this with M-Pesa, Kenya's leading mobile money platform, we have a match made in digital heaven! This article provides an easy, step-by-step guide to sending money from Wise to an M-Pesa wallet in Kenya.

Understanding Wise (Formerly TransferWise)

Wise, formerly known as TransferWise, is a reputable UK-based financial technology company co-founded by Kristo Karmann and Taavet Hinrikus in 2011. With a mission to provide transparent, affordable, and efficient money transfer services across borders, Wise has become a favorite platform for many.

A key aspect of its growing popularity is the ability to send money to mobile wallets in certain countries, including Kenya's M-Pesa. But before we delve into the process, let's understand M-Pesa better.

Getting to Know M-Pesa

M-Pesa, a portmanteau for 'mobile money' in Swahili, is a mobile money platform that has revolutionized financial transactions in Kenya. Introduced by Safaricom, Kenya's leading mobile network operator in 2007, M-Pesa allows users to deposit, withdraw, transfer money, pay for goods and services, and even access micro-finance loans, all from a simple mobile phone.

Pairing Wise with M-Pesa: The Perfect Duo

Imagine combining Wise's global outreach with M-Pesa's local stronghold in Kenya's financial landscape. You get a powerful, convenient, and fast way to send money directly to your loved ones or business associates in Kenya. So, how does one go about it?

Step-by-Step Guide to Sending Money from Wise to M-Pesa

Sending money from Wise to an M-Pesa wallet in Kenya is straightforward. Here's a step-by-step guide:

  • Creating a Wise Account: First, you must set up a Wise account. It's a straightforward process that involves providing your details, verifying your email, and securing your account with a strong password.
  • Initiating the Transfer Process: Once logged into your Wise account, click "Send Money" at the top of the page. Choose the source of your transfer (this could be your debit/credit card or bank account).
  • Choosing the Recipient: Next, you'll have to select the type of recipient you're sending the money. A pop-up will appear, prompting you to enter the recipient's email address.
  • Specifying the Transfer Mode: Select M-Pesa on the right tab under bank details. Use "254" and not "+254" when entering the mobile number. Double-check the recipient's full name and M-Pesa mobile number.
  • Confirming the Details: Review the details, accept the Terms of Use, and click "Confirm and Continue."
  • Completing the Transfer: Select the transfer source, read the costs involved with each option, and click "Continue to payment." Follow the prompts to access or input details on the transfer source, and you're good to go!

Transaction Confirmation: After completing the payment process, Wise will show you a summary of your transaction. You'll receive a confirmation email as well. The recipient in Kenya will receive an SMS from M-Pesa confirming the receipt of funds in their wallet.

Tracking Your Transfer: Wise allows you to track your transfer until it reaches the recipient. The platform will notify you about any significant updates on your transaction.

Benefits of Using Wise to M-Pesa Money Transfer

There are several reasons why this transfer method is preferable:

  • Speed: With Wise, your money transfer to an M-Pesa wallet in Kenya can be almost instantaneous, making it one of the fastest international money transfer methods.
  • Cost: Sending money through Wise can be much cheaper than traditional banks, which often have hidden fees and unfavorable exchange rates. Wise offers transparent fees and uses the mid-market exchange rate.
  • Convenience: The entire process can be done online from the comfort of your home or office. Wise has a user-friendly interface and clear instructions, making it accessible even to first-time users.
  • Security: Wise and M-Pesa have robust security measures to protect your money and personal information.
  • Accessibility: With M-Pesa, the recipient can receive and use the money immediately, right from their mobile device, without needing a bank account.

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Pairing Wise and M-Pesa creates a robust and seamless financial transaction framework that suits today's digital world. It makes sending money to Kenya easy, affordable but also quick and reliable. Following the step-by-step guide above, anyone can send money from their Wise account to an M-Pesa wallet in Kenya. Embrace this digital era and make your money transfers hassle-free!


Q1: How long does the money arrive in the M-Pesa wallet take?

A: The transfer from Wise to an M-Pesa wallet is usually instantaneous. However, depending on the network conditions and the amount being transferred, it could take a few minutes to a couple of hours.

Q2: Are there any limits to how much I can send to an M-Pesa wallet via Wise?

A: Yes, Wise has transaction limits, and M-Pesa has limits on the maximum amount a wallet can hold. Always check the current limits on the Wise and M-Pesa websites before initiating a transfer.

Q3: Can I send money from my M-Pesa wallet to a Wise account?

A: Wise only supports sending money to M-Pesa wallets, not receiving from them.

Q4: What currencies can I send to an M-Pesa wallet in Kenya?

A: You can send money in various currencies to an M-Pesa wallet in Kenya, but the recipient will receive the funds in Kenyan Shillings (KES).

Q5: What happens if I accidentally send money to the wrong M-Pesa number?

A: A transfer cannot be reversed from the sender's end once a transfer has been completed. However, you can contact Wise and M-Pesa customer support for assistance.

Q6: Are there any charges for receiving money in my M-Pesa account?

A: M-Pesa does not charge users for receiving international money transfers into their wallets. However, standard charges may apply when withdrawing money from the M-Pesa wallet.


The information provided in this article is for informational purposes only. It is not intended as financial or investment advice and should not be construed as such. Always consult with a financial advisor or research before making any financial decisions. The author and publisher are not responsible for any losses or damages caused by your reliance on the information contained in this article. Always remember that financial transactions carry a degree of risk, and using secure platforms for all your transactions is important.

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Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.