How to Send Money from Ghana to Kenya with PAPSS (2026)
To send from Ghana to Kenya via PAPSS, log into your Ghana bank (app, internet banking, branch, or USSD), pick International transfer or PAPSS, enter the recipient's details and the amount in GHS. The recipient receives KES in under 120 seconds.
Live since Kenya joined PAPSS in February 2026.
Ghana → Kenya limit and documents
Documentation required : Standard PAPSS individual cap USD 2,000/month, SME cap USD 5,000/month without further documentation.
Real-world timing : Instant settlement within 120 seconds in normal flows.
Banks on this corridor
- Ecobank Ghana (Ecobank Mobile)
- Zenith Bank Ghana (Zenith Mobile)
- Standard Chartered Ghana (SC Mobile)
- GCB Bank (GCB Mobile Banking)
- Absa Bank Ghana (Absa Mobile)
- Stanbic Bank Ghana (Stanbic Mobile)
- UBA Ghana (LEO Ghana)
- Access Bank Ghana (AccessMore Ghana)
- +5 more. Full list
- KCB Bank (KCB App)
- Access Bank Kenya (AccessMore Kenya)
- Equity Bank (Equity Mobile)
- Pesalink-connected banks (member bank apps)
Same-group tip: sending between the Nigeria branch and the destination-side subsidiary of the same banking group (Access, UBA, Zenith, Ecobank, Standard Bank) is usually the smoothest flow — internal compliance is already mapped.
GHS → KES rate context
PAPSS settles directly in local currency — your Ghana bank applies its own GHS → KES rate at transaction time. Compare against the interbank mid-market to evaluate the margin.