How to Send Money from Kenya to Nigeria with PAPSS (2026)
To send from Kenya to Nigeria via PAPSS, log into your Kenya bank (app, internet banking, branch, or USSD), pick International transfer or PAPSS, enter the recipient's details and the amount in KES. The recipient receives NGN in under 120 seconds.
Bidirectional since February 2026.
Kenya → Nigeria 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
- KCB Bank (KCB App)
- Access Bank Kenya (AccessMore Kenya)
- Equity Bank (Equity Mobile)
- Pesalink-connected banks (member bank apps)
- First Bank of Nigeria (FirstMobile)
- Access Bank (AccessMore)
- United Bank for Africa (LEO)
- Zenith Bank (Zenith Mobile)
- Stanbic IBTC Bank (Stanbic IBTC Mobile)
- Sterling Bank (SterlingPro)
- Wema Bank (ALAT)
- Fidelity Bank (Fidelity Mobile)
- +11 more. Full list
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.
KES → NGN rate context
PAPSS settles directly in local currency — your Kenya bank applies its own KES → NGN rate at transaction time. Compare against the interbank mid-market to evaluate the margin.