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PAPSS in Kenya: Participating Banks & How to Send Money

PAPSS lets you send money from Kenya to other African countries in KES — your bank converts to the recipient's local currency at settlement. 4 Kenya banks are participants as of June 2026, accessible via app, branch, internet banking, or USSD depending on the bank.

Live since February 2026; Pesalink integration links 80+ KE banks.

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Bank list verified June 2026. PAPSS is expanding rapidly — new banks join regularly. Confirm with your bank before transacting.

Kenya banks live on PAPSS (4)

Bank	Channels	App / USSD
KCB Bank East-Africa group; same-group corridors smoothest within EA.	app + internet banking + branch	KCB App
Access Bank Kenya Part of Access Bank Group (Nigeria HQ) — smoothest NG→KE corridor.	app + internet banking + branch	AccessMore Kenya
Equity Bank Largest KE bank by customer count; broad pan-African presence.	app + internet banking + branch	Equity Mobile
Pesalink-connected banks Kenya joined PAPSS in February 2026 with Pesalink integration linking 80+ member banks behind the scenes.	via 80+ Pesalink member banks	member bank apps

How to send from Kenya in practice

Kenya joined PAPSS in February 2026 with Pesalink integration linking 80+ Kenyan banks behind the scenes. Practically, consumer access in June 2026 is through KCB, Access Bank Kenya and Equity Bank; more banks are joining via Pesalink.

Same-group tip: because Access Bank Kenya is a subsidiary of Access Bank Nigeria, the Nigeria → Kenya corridor is one of the smoothest intra-group. UBA and Standard Bank (via Stanbic Kenya) offer similar setups.

Kenya resources

Kenya SWIFT codes

For non-PAPSS transfers

Kenya Mobile Money fees

Live calculator

USD → KES

Live rate

PAPSS vs Wise vs SWIFT

Which is cheapest?

PAPSS hub

15+ countries, how it works

Frequently asked questions

How do I send money with PAPSS from Kenya?

Log into your bank (app, internet banking, branch, or USSD depending on the bank) and pick International transfer or the PAPSS option. Enter the destination country, the recipient's bank, the account number, and the amount in KES. The recipient is credited in local currency within 120 seconds. 4 Kenya banks are participants as of June 2026.

Which Kenya banks support PAPSS?

KCB Bank, Access Bank Kenya, Equity Bank, Pesalink-connected banks and -1+ others. Full list below.

What are the PAPSS limits in Kenya?

Individuals: up to ~USD 2,000-equivalent per month without documentation. SMEs / corporates: up to ~USD 5,000-equivalent per month. Above those: full FX documentation required by your central bank.

Which countries can I send to from Kenya?

All PAPSS-live countries as of June 2026: Nigeria, Ghana, Kenya, The Gambia, Liberia, Guinea, Sierra Leone, Djibouti, Zambia, Zimbabwe, Malawi, Tunisia, Egypt, Morocco, Comoros, Rwanda. Coverage is growing.

Is the transfer really instant?

Yes in standard flows — the recipient is credited in under 120 seconds in local currency. On some corridors and some Nigerian banks, additional compliance checks may delay to T+1 (next business day). Confirm with your bank on first transfers.