How to Send Money from Nigeria to Kenya with PAPSS (2026)
To send from Nigeria to Kenya via PAPSS, log into your Nigeria bank (app, internet banking, branch, or USSD), pick International transfer or PAPSS, enter the recipient's details and the amount in NGN. The recipient receives KES in under 120 seconds.
Kenya joined PAPSS in February 2026.
Nigeria → Kenya limit and documents
Documentation required : Standard PAPSS individual cap USD 2,000/month, SME cap USD 5,000/month without further documentation. CBN documentation above.
Real-world timing : Instant settlement within 120 seconds in normal flows. Same-group (Access Bank, UBA) is smoothest.
Banks on this corridor
- 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
- 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.
NGN → KES rate context
PAPSS settles directly in local currency — your Nigeria bank applies its own NGN → KES rate at transaction time. Compare against the interbank mid-market to evaluate the margin.